Even if they're not exactly sure, most people have at least a general idea of what kind of coverage they're looking for when they start shopping for individual health insurance; Georgia residents are no different.
However, when it comes to individual health insurance, Georgia carriers might offer extra kinds of coverage that could benefit you or your family depending on your circumstances.
Please note that none of these options are guaranteed.
Their availability varies from carrier to carrier, as do their prices.
Disability Insurance Disability insurance generally provides supplemental income when you're unable to work due to an illness or an accident.
While they receive health coverage from individual health insurance, Georgia residents receive supplemental income from their disability insurance.
Long-Term Care Insurance Long-term care insurance helps cover the cost of care such as that found in a skilled nursing facility or care you receive at home from a nurse.
Cancer Insurance Before they purchase individual health insurance, Georgia applicants often realize coverage is one of those things you don't realize you need so badly until they actually need it.
Cancer insurance is similar.
It's difficult, if not impossible, to purchase cancer insurance after you've been diagnosed.
Dental and Vision Insurance Dental and vision insurance is tricky simply because many people will spend less out-of-pocket money visiting dentists and optometrists each year than they will spend on dental and vision insurance.
If you or a family member have dental or vision problems that require frequent attention, this kind of insurance might benefit you; otherwise, you'll probably spend less money if you just opt to pay for the services out of your own wallet.