Consumers Life is a Medical Mutual company, offered by the mutual insurer headquartered in Ohio. Initially starting in Ohio more than 75 years ago, Medical Mutual branched out to Indiana, South Carolina, and Georgia to sell plans to groups and individuals. As a regional and mutual insurance company, they offer some of the most competitive rates in the state of Georgia, with the industry accreditation to back up their quality. The National Committee for Quality Assurance (NCQA), who is the nation’s leading source of health insurance quality ratings, has given each plan from Medical Mutual an accreditation with a rating of Commendable on PPOs, HMOs, and POSs. The company also received the NCQA Wellness & Health Promotion with Performance Reporting, proving their concern with providing great services.
Medical Mutual/Consumers Life also is not publicly traded, which gives them a higher appreciation for their members, and allows them to develop new products and improve what they currently offer. In Georgia, individual and family plans are offered in three different types, and you have the ability to add benefits to your plan like dental, vision, life, and maternity coverage.
Consumers Life Individual Plans in Georgia
Standard 3080 Plans
Offering the perfect balance of coverage for anyone in need of routine and common medical care, these plans cover office visits for a $30 copay, and cover major medical care at 80 percent after deductible. These plans also offer a copay on emergency care, which is always a plus, and preventive services are free. Georgians can choose from medium or low deductibles, depending on which one seems more realistic and better on the budget. The higher your deductible, the lower your premium for these comprehensive plans.
Standard 4070 Plans
If the 3080 plan sounded good, but you still want a lower premium, you can increase your cost sharing to 30 percent after deductible and still receive great benefits. Unlimited office visits are $40 for a primary care doctor, and preventive care is free. Choose from a wide range of deductibles to get the premium of your choice, and gain access to prescriptions, hospital care, and more. Deductibles start at $1,000 and go up to $10,000 for individuals.
Standard 4080 Plans
Get comprehensive coverage with a slightly lower premium than 3080 plans to offset slightly higher cost sharing. With $40 copays for PCP office visits and $250 copays for emergency care, you get more coverage than the average PPO of this sort. A always your plan includes preventive services at no cost, and prescriptions are also included without any separate deductible. Once you have met the deductible, your plan covers 80 percent of most medical services.
4070 Value Plans
Even the low cost option from Consumers Life offers unlimited office visits, making this an excellent value indeed. Value Plans include $40 copays for primary care, as well as specialist and urgent care visits with no limit. Emergency room visits are also covered for a $500 copay, and preventive care is covered in full. Once you have reached the deductible, the plan covers 70 percent of your hospital and diagnostic services. With reduced premiums and great coverage, these are a very good option for those who want to spend less on health insurance.
Get a quick, free health insurance quote to compare Consumers Life to other Georgia health plans near you. Call East Coast Health Insurance to speak with a licensed agent about plans and any other health insurance question you may have at 888 803 5917.