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Health insurance plans for the Active Employees in Georgia is administered by the State Health Benefit Plan or SHBP. The term active employees include the employees of the state, teachers, school staff and a number of contact groups appointed in the State of Georgia. There are four health insurance plans in Georgia implemented for active Georgia employees and their dependents. All of these plans offer health insurance coverage to the employees and their dependents a comprehensive wellness benefit. Most importantly, the employees do not have the burden of having to pay the deductible. This facility encourages the members to go for regular medical check-ups and tests in time without fail. The four types of health insurance plans introduced in Georgia for active employees include Health Reimbursement Account (HRA), High Deductible Health Plan (HDHP), Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO). HRA or Health Reimbursement Account is offered in Georgia in two formats for the active employees including Definite HRA and Choice Fund HRA. Both these plans feature the advantages of national network besides both in and out of network benefits. Some of the highlights of the provisions of coverage include 100% wellness benefit in addition to an annual contribution of $500 for individuals and till $1,500 for families. The funds left unused at the end of the year can be carried over to the following plan year. There is also a provision to carry over the entire amount left unused to the retirement period. HDHP offers similar advantages as that of HRA plan for the active employees in Georgia including national network as well as the benefits of both in- and out-of-network. However, the coverage pays out the benefits at the rate of 90 percent for the in-network and 60 percent for the in-and-out-of-network charges. Those with health insurance policies in Georgia with HDHP features can choose to subscribe for a Health Savings Account (HAS) given through the Flexible Benefits Program operated by the State of Georgia. Also, this can be got through the employers implementing the health insurance plan for the active employees. All the payments that a health insurance owner employed in Georgia makes to an HAS are tax-deductible. This can also be paid for various medical expenses. The HAS accounts are transferable. In addition, the funds left unused at the end of the year can be carried over to the next plan year. This also earns an interest to the active employees in Georgia.. PPO is a Health Insurance option for the active employees in Georgia who wish to have the flexibility of obtaining health services from in and out of network providers. The benefits of PPO plans are as follows. The customers gain access to a larger network of health service providers. Working health insurance owners in Georgia need not present recommendations for special visits. HMO health insurance plans are offered in two versions for the active employees of the Georgia State. Both these types however offer a national network. Workers covered by Health Insurance in Georgia having an HMO plan need not go through a referral to visit a medical expert participating in the network. However, these plans do not cover the services obtained by non-participating health service professionals unless there is a life threatening emergency issue. The author is a widely read expert on Health Insurance Atlanta and writes exclusively on Low income Health Insurance georgia. His articles are read with great anticipation and eagerness.
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