Protect Your Future With Individual Insurance Plans!
Securing the right insurance plan creates peace of mind. Do not risk your family’s financial health if you are injured or become sick. Heart of Georgia Insurance provides you with all the tools to make it easy to get the coverage you need. The company more Georgians trust for health insurance, book an appointment with one of our agents today.
Individual & Family Health
Don’t be overwhelmed with all the options available for health insurance or the confusing language associated with the ACA (Affordable Care Act). Heart of Georgia Insurance can make your buying process simple. We sell policies on and off the Marketplace.
The Health Insurance Marketplace or Exchange provides health plan shopping and enrollment services through websites, call centers, and in-person help. When you apply for individual and family coverage through the Health Insurance Marketplace, you’ll provide income and household information. You’ll find out if you qualify for premium tax credits and other savings that make insurance more affordable by lower premiums, lower deductibles and lower out of pocket cost.
We also can help you purchase plans directly through private carriers.
Individuals can shop annually for health insurance during Open Enrollment which is November 1st thru December 15th each year. Some people may qualify for a Special Enrollment period if you have a loss of coverage through no fault of your own, like losing group health coverage, divorce, marriage, birth of a child, aging off a parent’s policy.
Dental
It is important to invest in oral health since it affects your overall wellness. Heart of Georgia Insurance is appointed with many Dental carriers and can help you select a plan that can help keep your cost low and your smile bright.
Transitioning to Medicare does not have to be complicated. Let the certified agents at Heart of Georgia insurance help you. With countless amounts of advertising and TV Ads, you have endless choices to make when you become eligible for Medicare. Our certified agents can help simplify the process. Our Agents have the technology and the knowledge to make sure you have the best coverage for your specific needs.
Medicare Supplement Plans or Medigap insurance are policies that fills the “gaps” of what Medicare does not pay these polices are sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services. A Medicare Supplement Insurance policy can help pay some of the remaining health care costs, like: Deductibles, Copays and Coinsurance.
Medicare Advantage plans are is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. Plans may have lower out-of- pocket costs than Original Medicare. ... Most plans offer extra benefits that Original Medicare doesn't cover — like vision, hearing, dental, and more.
Prescription drug plans or often referred to as Part D help cover cost of prescription drugs and may lower your out of pocket costs.
Medicare Advantage plans and Prescription drug plans can be changed annual during the Annual enrollment period October 15th through December 7th.
Please contact our office today if you are new to Medicare or if you are considering making a change.
CMS Disclaimer
“We do not offer every plan available in your area. Currently we represent 8 organizations which offer 64 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or local State Health Insurance Program (SHIP) to get information on all of your options.” We use Medicare.gov to access all of your options and we are appointed with most carriers. If the best plan available for you is a carrier that we are not appointed with, we are more than happy to advise on how to apply for it.
Life
Heart of Georgia Insurance Brokers can provide many different plans for life Insurance, including term life, whole life, universal life and variable universal life insurance. All types of life insurance pay the beneficiary a fixed amount of money upon the death of the policy holder.
If you have not already thought about the need to protect your family’s future, you may want to ask one of our agents to help customize a life insurance policy for you.
Disability
The most valuable asset you need to protect is your income and your ability to earn a living. Approximately one of four people experience a disability before they turn 65. Heart of Georgia Insurance can help continue part of your income if you are disabled. We have products to help with short term and long-term disabilities. Ask for a quote from one of our agents today.
Specialty Products
We’d love to hear from you! Call our friendly team on
(478) 745-4741!
