View Rates, Benefits and Apply for 2022 Plans HERE
We have written this guide to help you make an educated decision about your health insurance plan for the 2022 plan year. It includes information about the carriers, their networks to date and some plan guidance for the different plans available in Georgia for the 2022 plan year, including helpful advice on applying for a plan.
You do not pay anything extra for our help and applying through us is the same as applying through the Marketplace except with expert help. That is because the price of all Individual and Family health plans includes compensation paid to Agents, whether you take advantage of our help or not. We are an Elite Plus Agent as listed by the Health Insurance Marketplace for 2022.
Great News for 2022- The number of Insurance Carriers offering plans in Georgia for 2022 has DOUBLED! The plans look better for 2022 with many plans offering more services covered before the deductible must be met, including Urgent Care Copays.
After reading this guide you should be able to narrow down your choices and apply though our easy enrollment system. This system allows you to find your existing Marketplace account, if you already have one, or you can create your initial Marketplace account if you are new.
**Looking up Providers: The general search feature used when quoting all the plans below, is a good place to start your search, however it is associated with the Marketplace, and we are finding it is often incorrect this year.
You should also search on the Carrier’s Provider List found under each plan, to do so, look under the plan you are considering for the Plan Details then under Official Documents, then Provider List. But it is always wise to call your doctor’s insurance department to confirm.
Daniel Potter
770-452-9335 or Contact us Here
How to pick the most appropriate plan to meet your needs
- Run your Quote HERE. Be sure to Save your quotes using your proper name.
- Making sure to enter your preferred Doctors & Hospitals when given the chance during the quoting process.
- Using My Notes Below, focus on the carrier that is showing more of your doctors and preferred hospitals in network.
- The key with any plan is to confirm that your doctor is in-network before you apply. All plans but one are HMO Networks, meaning there is NO out of Network Coverage except for true emergencies.
- Choose your Plan then click Add to Cart then Start Application
- Call us if you run into trouble while applying and tell us you are stuck so we can help you. As long as you use the link found in this email to quote & apply, we can pop into your application on the page you are stuck on and finish the application with you over the phone if you need help.
Confused, still have questions after saving your quotes?
Click here to schedule a time to talk to Daniel
Prepare for your Appointment-To make the most out of your appointment time with us, we require that you run your quotes, including entering your providers, and saving your quotes under your proper name so that we can quickly pull up your quotes to discuss with you at your phone appointment.
Bottom Line is that you need an agent you can trust! Check out our Google reviews HERE to see why our clients value our help so much.
Daniel’s Pros and Cons of the Different Carrier’s 2022 Plans:
Aetna (Aetna CVS HMO Network)
Key Metro Atlanta Hospitals In-Network (check with providers)
Emory
Piedmont
Children’s HealthCare of Atlanta
Pros
- No referral Required
- CVS Minute Clinics in network nationwide
- Large Pharmacy network
Cons
- Only offered in Atlanta, Albany, and Savannah
Recommended Aetna plans in each category
-
- Aetna CVS Bronze Low-Cost $5500
- Aetna CVS Silver 2 $6000
- Aetna CVS Gold $1450
Alliant (Alliant Health Plans network)
Key Hospitals In-Network outside of Atlanta (check with providers)
Northeast Georgia Medical Center
Piedmont
WellStar
Other rural hospitals
Pros
- No referral Required
- PPO & HMO Networks (Plans are only offered In select counties)
- This is the only PPO plan offered in Georgia but only offered in select counties.
- Only Platinum plans in Georgia
Cons
- Not available in Metro Atlanta Counties nor Southeast Georgia
- Missing Children’s HealthCare of Atlanta hospitals
- Can be very expensive to see out of network providers
Recommended Alliant plans in each category
-
- Bronze – SoloCare Bronze HMO 110015
- Silver – SoloCare Silver PPO 40331
- Gold – SoloCare Gold PPO 40330
- Platinum-SoloCare Platinum PPO 40184
Ambetter (3 different HMO Networks for 2022 so look closely at plan name)
Key Metro Atlanta Hospitals In-Network (check with providers)
Essential | Balanced | Secure 2022 Networks (includes the Essential, Balanced and Secure plans ONLY):
Emory
Northside
Piedmont
WellStar
Grady
Ambetter Select Wellstar 2022 Network (ONLY Includes Select WellStar plans):
WellStar only
Ambetter Select Plus 2022 Network (ONLY Includes Select Plus Piedmont plans):
Piedmont only
Pros
- No referral Required
- Essential | Balanced | Secure Network is the 2nd Largest Hospital Network in Atlanta
- Free Telemedicine on all plans except the HSA plan
- Ambetter now offers plans in 25 states, meaning you could find in-network providers in those states (only for members on the Essential | Balanced | Secure Network plans).
- We have a lot of experience with Ambetter and have had only a few complaints from clients. Our transplant clients and cancer patients are quick to praise Ambetter.
- Offers some lower cost Off Exchange plans for those that do not qualify for a Subsidy. You can see those in the quote by how you answer questions.
Cons
- HMO Network only
- Plan have different networks & is confusing so look closely at the plan name
- No Children’s HealthCare of Atlanta
- No Northeast Georgia Medical Center
Recommended plans in each category
-
- Bronze – Essential Care 5 or Essential Care $0
- Silver – Balanced Care 11 or Balanced care 28
- Gold – Ambetter Secure Care 20
- Dental and Vision: optional Dental network is small; therefore, we do not recommend adding that coverage to your medical plan.
Anthem Blue Cross (Pathway X Network-HMO)
Key Metro Atlanta Hospitals In-Network (check with providers)
Emory
Children’s HealthCare of Atlanta
Pros
- Anthem Blue Cross name is familiar
Cons
- Referrals Required for the metro Atlanta Pathway X Guided Access plans
- Anthem’s Hospital Network has shrunk since the loss of Northside
- The Pathway X Networks are the smallest Anthem Blue Cross networks. You must confirm that your provider is in the Pathway X network for All Individual/Family Anthem plans.
- In dispute with Northside Hospital, an agreement does not look promising
Recommended plans in each category
-
- Bronze – Pathway X 5600
- Silver – Pathway X 4950
- Gold – Pathway X 1900
Bright HealthCare (Bright HealthCare Network-HMO)
Key Metro Atlanta Hospitals In-Network (check with providers)
Northside
Grady
Pros
- No referral Required
- CVS Minute Clinic in network
- Walmart, Walgreens, and CVS pharmacies in network
Cons
- Only offered in 6 counties in Georgia for 2022
- Small Network of providers
Recommended plans in each category
-
- Bronze – 7200 or Bronze $0
- Silver – Silver 6700 or Silver $0
- Gold – Gold 1000
CareSource (Marketplace Network-HMO)
Key Metro Atlanta Hospitals In-Network (check with providers)
Children’s HealthCare of Atlanta
Northeast Georgia Medical Center
Northside
Piedmont
WellStar
Grady
Pros
- Referrals not required
- Largest Hospital network in Metro Atlanta
- 3rd year in Georgia, network is growing
Cons
- Emory is missing from their hospital network
- We have more trouble with claims with this carrier
Recommended plans in each category
-
- Bronze – Marketplace Bronze First
- Silver – Marketplace Low Premium Silver
- Gold – Marketplace Gold
Cigna HealthCare (Cigna Connect Network-HMO)
Key Metro Atlanta Hospitals In-Network (check with providers)
Piedmont
Wellstar
Children’s HealthCare of Atlanta
Grady
Pros
- No referral Required
- Special plan for people with Diabetes
- Special plan for people with Asthma/COPD, but anyone can buy
- Walgreens, CVS, Kroger, Publix pharmacies in network
Cons
- Offered in limited counties in Georgia for 2022
Recommended plans in each category
-
- Cigna Connect Bronze 6500
- Cigna Connect Silver 3600
- Cigna Connect Gold 1600
Friday Health Plans (Friday Health Plans HMO Network)
Key Metro Atlanta Hospitals In-Network (check with providers)
Piedmont
Children’s HealthCare of Atlanta
Pros
- Referrals not required
- Lowest cost plans in some counties
- $0 for Teladoc Services on most plans
- $75 Co-pay for Urgent Care on most plans
- $0 Mental Health visits on many plans
- National Access program for out of area dependent students
Cons
- Only offered in 19 counties
- Small hospital network
Recommended plans in each category
-
- Friday Bronze Plus
- Friday Silver Copay
- Friday Gold Copay
Kaiser (Signature HMO Network Only)
Key Metro Atlanta Hospitals In-Network
Emory Saint Joseph’s Hospital and Emory University Midtown
Northside (for maternity only)
Children’s HealthCare of Atlanta
Pros
- Kaiser has a stable network of providers that work directly for Kaiser
- They are the only insurance company that is a healthcare provider, so Kaiser has many of their own doctors and facilities and Doctors are incentivized based on patient outcomes and patient happiness!
- Some plans in each category offer separate drug deductibles
- Away from Home travel Hotline & some CVS Minute Clinics available for Urgent Care when traveling in non-Kaiser Regions.
Cons
- Referrals are Required from your listed PCP to see other in-network doctors.
- Kaiser will only pay claims if all services are ordered by a network doctor.
- Typically, you can only see Kaiser doctors
- Limited Hospitals in network
- Only sold in limited counties
Recommended plans in each category
-
- Bronze – Bronze Virtual Care 5000/50
- Silver – Silver 4500/35
- Gold – Gold 500/20
Oscar (Oscar Network-HMO)
Key Metro Atlanta Hospitals In-Network (check with providers)
Wellstar
Emory
Pros
- No referral Required
- You are assigned a Care Team
- Oscar offers free telemedicine through App
- Copay for Urgent Care on most plans
- They have a strong emphasis on technology
- Special plan for people with Diabetes
Cons
- Available in limited counties
- No Children’s HealthCare of Atlanta in network
Recommended plans in each category
- Oscar Bronze Classic $5000 Ded
- Oscar Silver Simple $6450 Ded
- Oscar Gold Elite $500 Ded
United HealthCare (United HealthCare GA Individual Exchange Benefit Plan network)
***Caution, some of the UHC Summary of Benefits are not matching up on the quotes. I have contacted UHC and cannot get them corrected so just look closely at the deductibles in the plan summary to see if they match.
Key Metro Atlanta Hospitals In-Network (check with providers)
Northside
Piedmont
Children’s HealthCare of Atlanta
Pros
- Galileo Health included for Virtual First plans for $0 App based care
- $75 Co-pay for Urgent Care on most plans
Cons
- Referrals are Required from your listed PCP to see other in-network doctors.
- Only offered in Atlanta and Savannah Markets
Recommended plans in each category
-
- UHC Value+ Bronze
- UHC Silver Value+ Saver
- UHC Gold Value+ Saver
DENTAL- If you want a dental plan, I recommend the Anthem Dental Family PPO or the Anthem Dental Family Enhanced (even for single people).
If you do not find an ACA plan that fits your budget or lifestyle and you want to view other options, you can learn about the non-ACA plans we recommend HERE.
Use the search feature cautiously with the knowledge that not all providers have been updated by the carriers, so it is best to call your doctor’s office to confirm if they are in network for 2022 if that is really important to you.
Please visit our Enhanced Direct Enrollment site for Quotes, Benefits and to Apply for 2022 Plans HERE.
- Applying through our link will allow you to access your existing Marketplace account, but faster and easier, or create a new one.
- Makes us your agent and costs you nothing! This also allows us to get paid by the insurance company for the help and service we are providing to our clients at no charge to you!
- Or you can apply on the Marketplace and enter Daniel Potter and my NPN #18032692 as your agent that is helping you. Please let us know if you apply this way so we can follow up on your application process for you.
If you want to know a little bit more about us please feel free to check out our website https://ga-health-insurance.com/ and check out our Google Reviews so you can see what people think of our services. We look forward to working with you to help you have a smooth transition into your new plan.
Sincerely,
Terri Potter // Georgia Health Insurance, Inc.
P: 770-452-9335 F: 770-452-9335
