Understanding the Intricacies of Health Insurance

Health Insurance

At The Surrett Group, in addition to competitive quotes from the top carriers in the state, you also get the support of an insurance expert who will guide you through the stressful process of choosing an affordable yet comprehensive Georgia Health Insurance policy for you and your family.


Our agents understand that purchasing health insurance is a very important decision, and your needs are unique. Having an insurance broker ensures that you understand the process, and will be educated and informed enough to choose the best policy for you and your family.

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Important Health Plan Costs

  • Your Premiums

    Premiums are payments you make to keep your plan in effect. Usually, premiums are paid each month. Premiums are set by your insurance company and based on factors like age and where you live.

  • Your Deductible

    The deductible is the dollar amount you are responsible for before your plan begins coverage. Most health plans let you choose your own deductible, so how do you choose the amount that's best? It might seem like a lower deductible would be better, but a low deductible means you'll have to pay higher monthly premiums and vice versa. You'll have to decide if you want lower monthly premiums or lower medical bills for your health care.

  • Copayments and Co-Insurance

    If you have an HMO, you might pay $15 at the doctor's office for a check-up. That's called your copayment. You pay a certain dollar amount of the bill and your plan covers the rest. HMOs offer copayments as low as $10, while PPOs often charge copayments of $40 or less. Co-insurance is similar to a copayment except it's expressed as a percentage rather than a specific dollar amount. A co-insurance rate of 80/20 means you'll be responsible for 20% of a medical bill.

  • Maximum Out of Pocket - MOOP

    In the event you have a year of high medical expenses or a catastrophic event or illness, this is the most money you can spend on network-provided healthcare not including your premium. Because these are non-Medicare plans, prescription medication is also covered by this maximum expenditure limit.

Get the expert advice you need

All companies, both ON and OFF the Marketplace, offer instant online quotes, but it is in your best interest to speak with a professional you trust before finally choosing a health plan for you and your family. Marketplace “Navigators” ARE NOT Brokers. They are only allowed to assist you in navigating the HealthCare.Gov website. It is illegal for them to discuss and compare individual plan benefits. Most questions you have concerning an insurance policy are benefit and comparison related and therefore can not be answered legally by anyone except a licensed Broker.