Health Insurance

ATI offers comprehensive Health insurance policies to Georgia residents at the State's most affordable prices.

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Why Choose ATI Health Insurance

One of the biggest insurance-related concerns most Americans have is having enough coverage for their health care needs. According to the Kaiser Family Foundation, a range of 23-60% of Americans receive health insurance through their employer, depending on the state or territory. Even with health insurance, 29% were reported underinsured by the commonwealth fund.

So, what do these people do? Fortunately, those who do not receive health insurance through their jobs can purchase individual health care plans, while those who are underinsured can purchase supplemental insurance.

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Individual Medical Coverage

If you don’t receive medical insurance through your job, or you simply want to choose your own provider, you can purchase individual medical coverage. A major benefit to purchasing individual health insurance is that you have more authority in choosing a plan that best suits your needs.

After the Affordable Care Act was introduced, individual medical coverage became a lot more accessible, so people with pre-existing conditions can now qualify for the coverage they need without paying exorbitant premiums. In fact, any individual looking to buy an individual health insurance plan qualifies for coverage.

Furthermore, insurance companies are required to provide 10 essential benefits to everyone:

  • Doctor visits (or outpatient care)
  • Emergency room visits
  • Hospitalization
  • Pregnancy and maternity care
  • Mental health and substance abuse treatment
  • Prescription drugs
  • Care for recovery from an injury or care needed for a disability or chronic condition
  • Lab tests
  • Preventative care, including health screenings, immunizations, and birth control
  • Pediatric care, including vision and dental care for kids
Get Quote
health insurance atlanta georgia hospital insurance carriers ACA
health insurance atlanta georgia hospital insurance carriers ACA

Individual Medical Coverage

If you don’t receive medical insurance through your job, or you simply want to choose your own provider, you can purchase individual medical coverage. A major benefit to purchasing individual health insurance is that you have more authority in choosing a plan that best suits your needs.

After the Affordable Care Act was introduced, individual medical coverage became a lot more accessible, so people with pre-existing conditions can now qualify for the coverage they need without paying exorbitant premiums. In fact, any individual looking to buy an individual health insurance plan qualifies for coverage.

Furthermore, insurance companies are required to provide 10 essential benefits to everyone:

  • Doctor visits (or outpatient care)
  • Emergency room visits
  • Hospitalization
  • Pregnancy and maternity care
  • Mental health and substance abuse treatment
  • Prescription drugs
  • Care for recovery from an injury or care needed for a disability or chronic condition
  • Lab tests
  • Preventative care, including health screenings, immunizations, and birth control
  • Pediatric care, including vision and dental care for kids
Get Quote
health insurance doctor hospital insurance atlanta georgia

Types of Individual Health Care Plans

There are five categories of plans you can purchase. The plan with the most coverage has the most expensive premiums, and the plan with the least coverage has the least expensive premiums:

  • Bronze: Covers 60% of your health care costs, which means you pay 40%.
  • Silver: Covers 70% of your health care costs, which means you pay 30%.
  • Gold: Covers 80% of your health care costs, which means you pay 20%.
  • Platinum: Covers 90% of your health care costs, which means you pay 10%.
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Supplemental Health Insurance

If you need additional health care coverage, then a supplemental insurance plan can provide added protection and/or pay costs not covered by your regular insurance plan.

Supplemental insurance plans are generally more specialized than a basic health insurance plan. Common types of supplemental insurance include:

This pays for your dental care, and the amount of coverage ranges just like normal insurance plans.

This covers the costs of vision care, including preventative care and the cost of prescription eyewear.

Disability insurance helps make up for a loss of wages if you have to stop working due to an illness, and some disability insurance plans even cover injuries.

read more about life insurance policies here.

this covers your personal assets and pay for care that may become more necessary as you age.

This covers the costs that regular metal plans (bronze, silver, gold, and platinum plans listed above) don’t cover, such as co-payments and deductibles.

This type of insurance helps pay for the cost of treating critical illnesses, such as cancer, liver disease, organ transplants, and more.

Some types of critical illnesses and diseases come with a specialized insurance plan than can offer added benefits, such as a cash payout for each treatment or procedure.

Learn more about individual and supplemental health insurance by speaking to ATI representative today!

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