At EIMA Health Insurance, we believe that every Georgian deserves the peace of mind that comes with quality healthcare. With our corporate office in Dallas, TX, and a dedicated team serving residents in major metropolitan areas like Atlanta, Augusta, Savannah, Columbus, and Macon as well as the top counties of Fulton, DeKalb, Cobb, Gwinnett, and Clayton, we are here to help. Whether you need an ACA Marketplace plan, Medicare for seniors, or Georgia Medicaid and CHIP, we walk you through the process step-by-step.
In the vibrant state of Georgia, from the bustling heart of Atlanta’s metro area to the serene landscapes of the coast and the mountains, residents are faced with a crucial decision about their health coverage. For many, navigating the complex world of health insurance can be overwhelming, especially for low-income families and individuals who may be struggling to find a plan they can afford.
The Challenge of Health Coverage in Georgia
According to U.S. Census Bureau data, approximately 12% of Georgians are without health insurance, a figure that is often higher in low-income communities. This leaves thousands of families vulnerable to unexpected medical bills and without access to essential preventive care. Many of these individuals are part of the working poor—earning too much to qualify for traditional Medicaid but not enough to comfortably afford private health plans.
This is where our team at EIMA Health makes a difference. We are not just agents; we are advocates for the underprivileged in our community. We simplify the complex world of health insurance and empower you to find the right coverage for you and your family.
How EIMA Health Insurance Can Help
We specialize in helping residents of Georgia get health coverage without the confusion. Our licensed agents are local experts in the state’s health insurance landscape and are ready to provide free, personalized guidance.
We provide a hand-held approach to help you:
- ACA Marketplace Enrollment (Georgia Access): We will help you navigate the new Georgia Access marketplace, compare plans from multiple insurers, and ensure you receive all the financial assistance you’re entitled to, including federal subsidies (premium tax credits) and cost-sharing reductions. We will explain how these subsidies can dramatically lower your monthly premium and out-of-pocket costs.
- Medicare Plan Guidance: For seniors and people with disabilities, we provide tailored advice to help them choose the right Medicare Advantage, Medigap, or Part D plan. We understand the unique financial concerns of those on a fixed income and can help you find a plan with a low or $0 premium that still covers your doctors and prescriptions.
- Medicaid and CHIP Application Support: We can assist you in understanding the complex eligibility requirements for Georgia Medicaid and PeachCare for Kids® (the state’s CHIP program). We will help you with the application process on the Georgia Gateway portal to ensure all information is submitted correctly and you get the benefits you deserve. We can also help those affected by the ongoing Medicaid unwinding process to find new, affordable coverage.
- Special Enrollment Period Assistance: If you lose your job, have a baby, or experience another qualifying life event, we can help you find a new plan during a Special Enrollment Period (SEP). We know that these events can be stressful, and we are here to help you get covered quickly.
About the Programs
- Georgia Access: This is the official marketplace for residents to shop for and enroll in ACA-compliant health plans. According to a KFF analysis, Georgia has seen a significant increase in Marketplace enrollment, with a remarkable 227% growth since 2020. This is a testament to the enhanced subsidies available to many Georgians, making plans more affordable than ever.
- Georgia Medicaid: Medicaid provides comprehensive coverage for low-income individuals, families, seniors, and people with disabilities who meet certain eligibility criteria. Georgia has also introduced Georgia Pathways to Coverage™, a unique program that offers a path to coverage for some adults with income up to 100% of the Federal Poverty Level who meet certain work or activity requirements.
- PeachCare for Kids® (CHIP): This program gives low-cost or free health and dental coverage to eligible children under 19.
FAQs About Affordable Health Coverage in Georgia
What is Georgia Access and how does it make plans affordable?
Georgia Access is the state’s official health insurance marketplace. It is the only place you can apply for financial assistance from the federal government, such as a premium tax credit (subsidy) that lowers your monthly premium, or a cost-sharing reduction that lowers your copays, coinsurance, and deductibles. Our EIMA agents are experts in this process and will ensure you receive all the savings you are entitled to.
How does EIMA help low-income families get covered?
We specialize in finding plans that offer the most comprehensive benefits at the lowest possible cost. We help you check your eligibility for state programs like Georgia Medicaid and PeachCare for Kids® and can assist you with your application. If you don’t qualify for these programs, we’ll help you find an affordable plan on the marketplace and maximize your financial assistance to keep your premiums and out-of-pocket costs as low as possible.
What if I have been denied Medicaid?
Being denied Medicaid can be a frustrating experience. However, if your household income is over the Medicaid limit, you will likely be eligible for significant subsidies on the ACA marketplace. Our team can help you navigate this transition and ensure you find a quality plan that you can afford.
I am a single adult in Georgia. What are my options?
As a single adult, you may be eligible for Georgia Pathways to Coverage™ if you have an income up to 100% of the Federal Poverty Level and meet certain activity requirements. If your income is higher than this, you can apply for a subsidized plan on the Georgia Access marketplace. Our agents can help you determine your eligibility for each program and enroll in the best fit.
What will my ACA insurance plan in Georgia cover?
All ACA plans, regardless of the carrier, are required to cover ten essential health benefits. These include doctor visits and prescriptions, hospital care, emergency services, maternity and newborn care, mental health services, preventive screenings, pediatric care, and treatment for pre-existing conditions.
Who We Serve
We are dedicated to helping a diverse range of Georgia residents find the right health coverage.
- Families and Individuals: We find affordable plans that cover doctor visits, prescriptions, and emergencies.
- Seniors and People with Disabilities who have Medicare: We provide expert guidance on Medicare plans, ensuring you have the right coverage for your healthcare needs and budget.
- Low-Income Households: We specialize in finding plans with the lowest premiums and out-of-pocket costs, and can assist with applications for Medicaid and CHIP.
- Parents and Children: We help parents understand their options for their children, from comprehensive Medicaid and CHIP coverage to private plans.
Don’t let the confusion of health insurance hold you back. EIMA Health Insurance is here to walk you through every step of the process.
Call (706) 225-2110 or book a free consultation: https://calendly.com/emily-eimahealthinsurance/get-expert-health-insurance-advice
Local Resources:
- Georgia Access: https://www.georgiaaccess.gov/
- Georgia Medicaid (DFCS): https://medicaid.georgia.gov/how-apply
- Georgia Gateway Portal: https://gateway.ga.gov/
- Georgia Cares (SHIP) for Medicare Assistance: https://www.georgiacares.org/
- HealthCare.gov: https://www.healthcare.gov/