Health Insurance Tips

WE CAN HELP — Our health care experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.

Get The Best Deal On Health Insurance

Looking for health coverage? The Health Insurance Marketplace could save you time and money.

1. Check out options at the Health Insurance Marketplace. The plans include coverage for doctor visits, hospitalizations, maternity care, emergency room care, prescriptions and more.
Online
: HealthCare.gov
Toll free: (800)318-2596  TTY: (855) 889-4325

2. Find out about financial help that’s available. At the Health Insurance Marketplace, you can find out if you qualify for financial assistance to lower your costs.

3. Use the Health Insurance Marketplace to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.

4. Take advantage of expert help in-person, online, or by phone. Specially trained people are available in communities across the country to help you apply and understand your options. Find them at LocalHelp.healthcare.gov.

5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.

6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.

HEALTH CARE CONSUMER PROTECTIONS

If you have coverage, you already have protections under the health care law, such as:

  • Children and young adults can stay on their parents’ plan until age 26
  • Free preventive care, including check-ups and vaccinations
  • Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
  • Rebates if your insurance company spends less than 80% of premiums on care

Plus, new protections for coverage effective January 1, 2014 include:

  • Insurers can’t deny anyone coverage for having a “pre-existing condition”
  • No more annual caps on what your insurer will pay if you get sick
  • Insurance companies can’t charge women more than men for coverage

See more information about the health care law, the Affordable Care Act

 

Issue updates

News Release | US PIRG Education Fund | COVID-19, Public Health, Health Care

NURSING HOMES STILL DON’T HAVE ENOUGH MASKS, GOWNS, OTHER PPE

A new analysis by the U.S. PIRG Education Fund and Frontier Group found that 8 percent of nursing homes nationwide as of Dec. 27 had a critical shortage of surgical-grade N95 masks, which are the best protection against spreading the virus. Additionally, 4 to 6 percent of nursing homes reported shortages in at least one other category of personal protective equipment.

> Keep Reading
News Release | US PIRG Education Fund | Consumer Tips, Health Care

Report: Nursing homes endure massive PPE shortages

Seven months into this pandemic, PPE shortages have become much worse, according to “Nursing home safety during COVID: PPE shortages,” a report by the U.S. PIRG Education Fund and Frontier Group.

> Keep Reading
News Release | U.S.PIRG | Health Care

Approved CVS-Aetna merger leaves Americans facing even higher prescription drug costs

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

> Keep Reading
Report | Georgia PIRG Education Fund | Health Care

The Real Price of Medications

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

> Keep Reading
News Release | Georgia PIRG Education Fund | Health Care

Prices of common medications can vary by hundreds of dollars

While many Americans struggle to afford their prescription drugs, Georgia PIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

> Keep Reading

Pages

News Release | US PIRG Education Fund | COVID-19, Public Health, Health Care

NURSING HOMES STILL DON’T HAVE ENOUGH MASKS, GOWNS, OTHER PPE

A new analysis by the U.S. PIRG Education Fund and Frontier Group found that 8 percent of nursing homes nationwide as of Dec. 27 had a critical shortage of surgical-grade N95 masks, which are the best protection against spreading the virus. Additionally, 4 to 6 percent of nursing homes reported shortages in at least one other category of personal protective equipment.

> Keep Reading
News Release | US PIRG Education Fund | Consumer Tips, Health Care

Report: Nursing homes endure massive PPE shortages

Seven months into this pandemic, PPE shortages have become much worse, according to “Nursing home safety during COVID: PPE shortages,” a report by the U.S. PIRG Education Fund and Frontier Group.

> Keep Reading
News Release | U.S.PIRG | Health Care

Approved CVS-Aetna merger leaves Americans facing even higher prescription drug costs

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

> Keep Reading
News Release | Georgia PIRG Education Fund | Health Care

Prices of common medications can vary by hundreds of dollars

While many Americans struggle to afford their prescription drugs, Georgia PIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

> Keep Reading

Pages

Report | Georgia PIRG Education Fund | Health Care

The Real Price of Medications

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

> Keep Reading
Report | Georgia PIRG Education Fund | Health Care

Should I Stay or Should I Go?

Tips for consumers deciding whether to keep their individual health insurance plan or switch to a new plan for 2014

> Keep Reading
Report | Georgia PIRG Education Fund | Health Care

Making the Grade

When it comes to health care, there are few magic-bullet solutions for the many problems consumers face in the marketplace: insurers don’t compete for their business, leading to higher prices and lower quality. Important information about coverage is buried in the fine print, making it ha rd to know what’s really covered or which plan is right. And costs are continuing their unsustainable rise.  

> Keep Reading
Report | Georgia PIRG Education Fund | Health Care

Building a Better Health Care Marketplace

Consumers across the state know that the health insurance marketplace is broken.  Insurers don’t compete for their business, instead offering take-it-or-leave-it deals.  Important information about coverage is buried in the fine print, making it hard to know what’s really covered.  Instead of working to lower costs and improve quality, too many insurers focus on covering healthy enrollees and dumping the sick.  And costs are continuing their unsustainable rise.  Nationally, the great majority of individual-market policyholders—77% —saw a premium increase from early 2009 to early 2010, with

> Keep Reading
Report | Georgia PIRG Education Fund | Health Care

The Cost of Repeal

On March 23, 2010, after a long debate, President Barack Obama signed into law comprehensive federal health care reform legislation, known as the Affordable Care Act or ACA, but the enactment of the law did not end the debate. This year, Georgia’s elected officials will face their own choices about what to do about our health care system. They must ask whether repeal would make our health care work better or worse for the taxpayers, consumers, and businesses of the state.

> Keep Reading

Pages

Blog Post | Health Care

Here's that Rx refill you didn't order

Health care analysts are wary of automatic-refill programs at major pharmacies, as unnecessary refills are billed to insurance companies and Medicare without customer approval.

> Keep Reading
News Release | US PIRG Education Fund

A new analysis by the U.S. PIRG Education Fund and Frontier Group found that 8 percent of nursing homes nationwide as of Dec. 27 had a critical shortage of surgical-grade N95 masks, which are the best protection against spreading the virus. Additionally, 4 to 6 percent of nursing homes reported shortages in at least one other category of personal protective equipment.

News Release | US PIRG Education Fund

Seven months into this pandemic, PPE shortages have become much worse, according to “Nursing home safety during COVID: PPE shortages,” a report by the U.S. PIRG Education Fund and Frontier Group.

News Release | U.S.PIRG

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

News Release | Georgia PIRG Education Fund

While many Americans struggle to afford their prescription drugs, Georgia PIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

Report | Georgia PIRG Education Fund

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

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