Compare Affordable Georgia Individual Health Insurance Rate Quotes

Affordable health insurance plans in Georgia are available for individuals, families and small businesses. Pre-existing conditions are covered without any waiting periods or surcharges, and Marketplace large federal subsidies can drastically reduce premiums. View and compare free online quotes for Ga. consumers and help simplify the enrollment process. Compare the best policies in minutes. Four companies are offering private plan coverage (instead of five), since Humana has exited the market.

Seniors can shop for the best Medicare Supplement/Medigap plans and lower out-of-pocket expenses. Advantage contracts are also available as an alternative to original Medicare coverage. Many of these plans include prescription drug benefits. Part D plans are also offered with many copay options. When you reach age 65, typically there is a seven-month enrollment window that allows you to review and apply for coverage without medically qualifying.

The Obamacare Impact

Whether you live in Atlanta, Macon, Augusta, Athens, Savannah or any other city in the state, you may be eligible for a substantial federal subsidy to help pay your private healthcare Exchange premium. Courtesy of the ACA (Affordable Care Act) legislation, if your household income is under 400% of the Federal Poverty Level (FPL), you get free money. And if it’s under 250%, you qualify for special “cost sharing,” which can drastically reduce your deductible on Silver-tier plans. Copays and maximum out-of-pocket maximums also reduce.

In Georgia, and all other states, it is mandated law that you must purchase coverage or pay a special tax based on 2.5% of your household income. During  Open Enrollment (November 1st-December 15th), you can easily apply for a qualified policy from BCBS and many other carriers. If OE is missed, a “Special Enrollment Period” is available for many specific situations (divorce, baby, reaching age 26, moving to a different service area,  losing job etc…). You can also buy a “temporary” plan, which will be discussed later. The OE period is different for persons that have reached age 65. We provide specific information on Senior Medigap and Advantage plans later.

Although the existing US healthcare system can always change with each new Administration, it’s not expected that new laws and regulations will be fully implemented until 2019 or 2020. Premium increases are expected to slowly decrease, while additional flexibility may offer additional low-cost plan options. It’s also likely that each state will be given more control over the plans they approve and issue.

The Georgia Health Marketplace (Exchange)

Georgia Health Exchange Comparisons

Georgia Marketplace Plans Cover Pre-Existing Conditions

Cheap! Perhaps that best describes rates for individuals and families, since the average monthly cost of healthcare to consumers in the state is abut $75 per month for 2018 Exchange plans. This includes any applicable federal subsidies, which are instantly deducted from the premium as a tax credit.

In 2017, more than 200,000 persons were able to purchase Exchange coverage, and most applicants qualified for a subsidy. Also, more than 200,000 additional persons previously became eligible for PeachCare or Medicaid , which provides low-income families with quality coverage at a minimal or no cost. Benefits are very comprehensive, and include maternity, mental illness, and major medical coverage.

Our state’s average price is the second lowest in the nation, with almost 90% of applicants qualifying for some type of financial assistance. Although there has not been an expansion of Medicaid like more than 30 other states, almost 100,000 persons were able to sign up for CHIP or Medicaid during the first year of the Exchange. It is expected that the eligibility requirements will be loosened sometime in the next five years.

Pre-Existing Conditions Are Covered

Pre-existing conditions are no longer excluded or considered when determining the premium of your policy. A prior lapse in coverage will also not impact your cost, although several restrictions and  tax consequences apply if you miss Open Enrollment. “Special Enrollment Periods” (SEP) continue to be available if you lose existing qualified coverage through an employer, by moving to a different area, from a divorce, having a baby, and several other scenarios. If you do not qualify, an Off-Exchange short-term policy can purchased (more information below).

NOTE: If your employment situation changes, and your wages substantially increase (or decrease), a re-calculation of your subsidy is highly recommended. This can avoid a possible unexpected reduction in your tax refund, or a higher tax liability for the following calendar year. Remember – the federal subsidy is based on your projected household income the following year, not your income from the prior year. Also, if your household income substantially changes, adjusting your current subsidy may be needed to avoid paying a large tax bill, or unnecessarily overpaying each month for your policy.

Secondary policies can also be purchased privately. The best supplemental health insurance plans can help you pay for deductibles and other expected (or unexpected) expenses. These contracts are not subsidized and are not designed to be primary coverage or replace a policy that provides primary benefits. They will simply assist you when you have high out-of-pocket costs from a covered claim on your Marketplace plan.

NOTE: Medicare supplement plans help Seniors reduce out-of-pocket expenses, but they are not eligible for federal subsidies, and are not impacted by the vast majority of the Affordable Care Act. The Open Enrollment period is also different as it runs between October 15th and December 7th.

Sample 2018 Subsidy Calculations

There’s also a good chance that you qualify for a federal subsidy that could drastically reduce your premium…or possibly pay all of it. This financial aid is solely based on your household income (modified adjusted gross income) and the number of dependents you declare on your tax return.

We can easily calculate your subsidy and we also included some examples below. Although amounts can vary, depending on your county of residence, for our examples, we used  Fulton, Gwinnett, DeKalb, and Cobb counties. The  amounts listed below are the monthly dollars that are provided to reduce the cost of your health insurance. In some situations, the total premium you pay will be $0.

$251 – 25 year-old with $20,000 income

$338 – 45 year-old with $25,000 income

$533 – 55 year-old with $30,000 income

$721 – 30 year-old couple with $70,000 income

$779 – 50 year-old couple with $50,000 income

$654 – 30 year-old couple with two children and $75,000 income

$1,220 – 50 year-old couple with two children and $65,000 income

$1,083 – 50 year-old couple with two children and $75,000 income

How Do You View And Compare Rates?

That’s the easy part. The “Get Free Quotes” box at the top of the page allows you to view the most affordable medical plans in your area from the top-rated companies. It only takes a few moments and of course, at your request, we’ll help explain the differences in plans and which policies best suit your needs. If you wish to apply for a policy, the process is quick and easy.

Cheap Student University Coverage In Georgia

Many Affordable Student Medical Plans Are Available

Comprehensive, catastrophic, short-term, HSA,  high-deductible, self-employed and single-parent options are available. If you are eligible for Medicaid or Medicare, we’ll also show you the best choices from each of the major companies. A wide selection of  low-cost GA student medical plans are available, regardless if you are considered full-time or part-time.

It makes financial sense to compare student Exchange policies to the University medical coverage that is offered. Typically, there are often huge differences in student pricing om plans purchased directly from the school. For example, although Kennesaw State and Emory have somewhat similar plans, Valdosta State and the University of Georgia student medical plans are much different.

Companies That Offer Health Insurance Coverage In Georgia

Exchange plans are offered by  Ambetter (Peach State Health Plan), Blue Cross Blue Shield of Georgia,  Kaiser Permanente, and Alliant. Since the first year of the Exchanges, many carriers have exited the Marketplace. Several of the larger companies that no longer coverage are Aetna, Assurant, Harken, Cigna, Humana, and UnitedHealthcare. However, off-Exchange and Group plan options are available through Aetna, Cigna, Federated Mutual, Freedom Life, National Foundation Life, UnitedHealthcare, and many of the companies previously mentioned that offer on-Exchange coverage.

The variety of available carriers has helped to stabilize premiums by providing more competition.   All carriers must be approved by the Georgia Department of Insurance. The Regulatory Services Division oversees the licensing of companies, and ensures they are following all regulations and legislation. All life and health contracts are reviewed. By July of each year, proposed rate increases of more than 10% must be submitted to the DOI for review and accountability. Consumers can review the reasons provided that justify the requested increase, along with the final increase that was granted.

However, all  companies do not offer policies in every county. Although Blue Cross Blue Shield is represented in all parts of the state, there are pockets (especially in the southwestern portion) where the number of participating carriers has been very small. Some of these counties include Berrien, Brooks, Clinch, Cook Decatur, Early, Grady, Irwin, Lanier, Miller Seminole, Thomas and Turner. Prices for coverage in these counties (and others in the area) are the highest in the state.

Network Availability

Although Anthem offers policies in all counties, their entire network that covers more than 95% of hospitals, is not necessarily available. The passage of the Affordable Care Act (ACA) legislation forced many carriers to offer thinner network coverage to help pay for guarantee-issue plans. Often, there are multiple networks, with a separate option for unsubsidized plans that are issued “off-Exchange.”

In Georgia, Anthem BCBS utilizes about half of its network capability. For example, Piedmont and Emory hospitals are considered “outside of the network,” and therefore will result in higher out-of-pocket costs for consumers. Also not available for network usage are these hospitals: Redmond Regional, Hamilton Medical, Fannin Regional, and Hutcheson Medical Center.

 

Most Affordable Individual Plans

 

Catastrophic Tier

Kaiser Permanante KP GA Catastrophic 7350/0 – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. First three pcp and outpatient mental health care office visits are covered at 100%. Thereafter, the deductible applies. One eye exam and a pair of glasses are allowed yearly.

BCBSHP Catastrophic Pathway X  HMO 7350 – $7,350 deductible with maximum out-of-pocket expenses of $7350 and 0% coinsurance. $40 copay for first three pcp office visits, and then deductible applies.

 

Bronze Tier

Ambetter Essential Care 1 – $6,800 deductible with maximum out-of-pocket expenses of $6,800 and 0% coinsurance. $20 generic drug copay.

Ambetter Essential Care 2 (HSA) – HSA-eligible plan with $6,55o deductible with maximum out-of-pocket expenses of $6,550 and 0% coinsurance.

Kaiser Permanante KP GA Bronze 6200/40%/HSA – HSA-eligible plan with $6,200 deductible and maximum out-of-pocket expenses of $6,550. Coinsurance is 40%.

Kaiser Permanante KP GA Signature Bronze 5000/50 – $5,000 deductible with $7,350 maximum out-of-pocket expenses and 35% coinsurance. $50 and $70 office visit copays (first two visits only). Imaging (MRIs, PET and CT scans) subject to $550 deductible. Generic drugs subject to $35 and $70 (mail order) copays.

BCBSHP Bronze Pathway X Guided Access HMO 5850 – $5,850 deductible  with maximum out-of-pocket expenses of $7,350 and 35% coinsurance. All non-preventive office visits and prescriptions must meet deductible.

BCBSHP Bronze Pathway X HMO 6750 – $6,750 deductible  with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. All non-preventive office visits and prescriptions must meet deductible.

BCBSHP Bronze Pathway X HMO 5500 – $5,500 deductible  with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. $50 copay for the first two pcp office visits, and $75 copay for the first two specialist office visits.

BCBSHP Bronze Pathway X HMO 5200 – $5,200 deductible  with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. $35 copay for the first two pcp office visits, and $70 copay for the first two specialist office visits.

BCBSHP Bronze Pathway X HMO 0 For HSA – HSA-eligible plan with $6,650 deductible and maximum out-of-pocket expenses of $6,650 and 0% coinsurance.

Alliant SoloCare Bronze HDHP 40032 – HSA-eligible plan with $5,500 deductible, and $6,500 maximum out-of-pocket expenses. Coinsurance is 30%. Level 1, 2, and 3 drug copays are $15, $35, and $75 respectively. Tier 4 and Tier 5 drugs are subject to 50% coinsurance.

Alliant SoloCare Bronze HDHP 40031 – Similar to previous plan, but with $6,500 deductible and maximum out-of-pocket expenses of $6,500 and 0% coinsurance.

 

Silver Tier

Ambetter Balanced Care 1 – $5,500 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance.  $30 and $60 copays on office visits with $100 Urgent Care copay. $10 and $50 copays on generic and preferred brand drugs.

Ambetter Balanced Care 2 – Very similar to prior plan with higher deductible $(6,500). Maximum out-of-pocket expenses are also $6,500 with 0% coinsurance. $30 and $60 copays on office visits with $100 Urgent Care copay. $15 and $50 copays on generic and preferred brand drugs.

Ambetter Balanced Care 4 – $7,050 deductible with maximum out-of-pocket expenses of $7,050 and 0% coinsurance.  $30 and $60 copays on office visits with $100 Urgent Care copay. $15 and $50 copays on generic and preferred brand drugs.

Kaiser GA Signature Silver 2750/20%/HSA – HSA-eligible with $2,750 deductible, $6,000 maximum out-of-pocket expenses, and 20% coinsurance.

Kaiser KP GA Signature Silver 3000/30 – $3,000 deductible with maximum out-of-pocket expenses of $7,150 and 30% coinsurance. Office visit copays are $30 and $60, with $100 copay for Urgent Care. Generic drug copays are $15 and $30 (mail-order).

Kaiser KP GA Signature Silver 4700/35 – $4,700 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. Office visit copays are $35 and $65, with $100 copay for Urgent Care. Generic drug copays are $15 and $30 (mail-order).

BCBSHP Silver Pathway X Guided Access HMO 6000 – $6,000 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance.  $40 pcp office visit copay and $50 Urgent Care copay. $10 copay for generic drugs, and a $40 copay for preferred brand and non-preferred generic drugs ($25 and $120 mail-order copays).

BCBSHP Silver Pathway X Guided Access HMO 5300 – $5,300 deductible with maximum out-of-pocket expenses of $6,500 and 25% coinsurance.  $35 pcp office visit copay and $50 Urgent Care copay. $10 copay for generic drugs, and a $40 copay for preferred brand and non-preferred generic drugs ($25 and $120 mail-order copays).

BCBSHP Silver Pathway X Guided Access HMO 4950 – $4,950 deductible with maximum out-of-pocket expenses of $6,500 and 35% coinsurance.  $35 pcp office visit copay and $50 Urgent Care copay. $10 copay for generic drugs, and a $40 copay for preferred brand and non-preferred generic drugs ($25 and $120 mail-order copays).

Alliant Solocare Silver PPO 40017 – $7,000 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. Office visit copays of $85 and $120 with $75 Urgent Care copay. The generic, preferred brand and non-preferred brand prescription drug copays are $20, $65, and $165.

Alliant Solocare Silver PPO 40010 – $5,750 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. Office visit copays of $30 and $60 with $75 Urgent Care copay. The generic, preferred brand and non-preferred brand prescription drug copays are $15, $50, and $150.

 

Gold Tier

Ambetter Secure Care 1 with 3 Free PCP Visits – $1,000 deductible with maximum out-of-pocket expenses of $6,350 and 20% coinsurance.  First three pcp office visits are covered at 100%. Generic, preferred brand, and non-preferred brand drug copays are $10, $25, and $75. The 90-day mail-order copays are $30, $75, and $225.

Kaiser KP GA Gold 1500/20 – $1,500 deductible with maximum out-of-pocket expenses of $5,000 and 25% coinsurance. Office visit copays are $20 and $40, with $75 copay for Urgent Care. Generic drug copays are $10 and $20 (mail-order).

Kaiser KP GA Gold 500/20 – $500 deductible with maximum out-of-pocket expenses of $6,350 and 30% coinsurance. Office visit copays are $20 and $40, with $75 copay for Urgent Care. Generic drug copays are $10 and $20 (mail-order).

BCBSHP Gold Pathway X HMO 1300  – $1,300 deductible with maximum out-of-pocket expenses of $7,350 and 10% coinsurance. Office visit copays are $30 and $60.  Also, $5 copay for generic drugs and $40 copay for preferred brand and non-preferred brand drugs. Mail-order copays are $40 (generic) and $125 (preferred and non-preferred brand).

Alliant Solocare Gold PPO 40002 – $2,300 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. Office visit copays of $20 and $40 with $75 Urgent Care copay. The generic, preferred brand and non-preferred brand prescription drug copays are $15, $50, and $150.

 

What About PeachCare?

In 1999, PeachCare for Kids began offering quality medical coverage to children under the age of 18 that did not qualify for Medicaid benefits. If household income is below 247% of the Federal Poverty Level, typically, a child is eligible, although a full determination must be made. Income will be verified before coverage is offered. A CMO  (see below) is offered for assistance. The four available company options are CareSource, Amerigroup Community Care, WellCare, and Peach State Health Plan.

Comprehensive benefits include office visits, prescriptions, preventive (including annual physicals and immunizations), mental healthcare, emergency-room treatment, visits to specialists,  along with dental and vision benefits. There is a wide selection of primary care providers available and the Georgia Care Management Association will help as a liaison.

Coverage is free for anyone under age six. The monthly rate increases to $0-36 for children age 6 or older. For households with two or more children, the monthly rate is dependent on household income, and will be no more than $72 per month. Copays are extremely low, typically either $2 or $3. The maximum copay is $12.50.  Preventive and emergency treatment, immunizations, and routine and preventative diagnostic dental services do not require any copay or coinsurance. The maximum out-of-pocket expense in a year is 5% of your household income. If reached, your premium payments, along with copays, are waived. Children in foster care also do not have to pay copays.

If a premium payment is not received by the due date, benefits will continue for up to two months. You can apply for reinstatement the following month. You can also cancel your policy by the 15th of the month the bill is due to be paid.

All applicants must be US citizens and legal residents of the state of Georgia. There also must not be any current coverage in force (including Medicaid). Maximum household income limits are shown below:

1-Person Household – $29,796

2-Person Household – $40,116

3-Person Household – $50,448

4-Person Household – $60,768

 

What Is The SHBP?

The “SHBP” is the Georgia State Health Benefit Plan, which provides healthcare benefits to more than 600,000 retired and active state teachers and other employees. There are actually three separate contract plans and they are  “Public School Employees,”  “Teachers,”  and “State Employees.” Since it is self-funded and also self-insured, companies and members pay premiums that are used to disperse benefits. Eligible applicants include annuitants, general assembly, public school employees, teachers, state employees, former employees, and eligible dependents. Note:

Working employees that are not Medicare-eligible can consider Health Reimbursement Arrangement contracts in Gold, Silver, or Bronze tiers. Initially, when the account is opened, some “spending dollars” will be transferred to the account. Popular low-cost Medicare Advantage options are also offered to former employees that have reached age 65.  Rates are typically less than conventional Medigap Supplement plans, and often, Part D prescription coverage is included. The three HMO options are Kaiser Regional HMO, UnitedHealthcare Statewide HMO, and BCBS Statewide HMO.

The three major companies that offer coverage are  Blue Cross and Blue Shield of Georgia, UnitedHealthcare and Kaiser Permanente.

Blue Cross and UnitedHealthcare  also offer Medicare Advantage plans to anyone who is retired.  “Standard” and “Premium” plans are available. Of course, you must be enrolled in Medicare to be eligible for Advantage benefits. UnitedHealthcare offers an HDHP option. The available plans are UHC Standard, UHC Premium, BCBS Standard, and BCBS Premium. Under age-65 plan options include  BCBS Gold, BCBS Silver, and BCBS Bronze, which are HRA plans. The three available HMO plans are BCBS Statewide, UHC Statewide, and Kaiser Regional. The only HDHP plan offered is from UHC.

Affordable Health Insurance For Georgia Teachers

Georgia SHBP Provides Quality Healthcare To Teachers

Open Enrollment  is offered to eligible employees, former employees, applicants eligible for COBRA, and workers that are on an approved leave without pay. Retired persons must be enrolled in a specific plan immediately before they terminate work. Retirees not participating in a plan must choose coverage the year before they retire during an OE period. Dependents and spouses of retirees can not enroll during these periods. Also, if retired benefits terminate, reinstatement of the policy is not possible unless they return to work for the employer.

Rates have been fairly stable in recent years, with no major price increases. Most SHBP members are quite satisfied with the increase in carriers that are offering plans, compared to only one company (BCBS) four years ago.

Off-Exchange Plans (Under Age 65)

Purchasing a policy “off-Exchange” means that the government website is completely bypassed and no federal subsidy will be paid. Naturally, if your household income is less than 250% of the Federal Poverty Level (FPL), this concept may not be very cost-effective.

However, if your income is high enough that a subsidy is not available, these types of plans are occasionally slightly less expensive than the “on-Marketplace” policies that they mirror. Also, the provider network may be larger and more robust, giving you more facilities to choose from. Since each situation is unique, comparing both options is most prudent, especially if you’re not familiar with contract benefits. Also, if expensive out-of-state treatment is required, these options should be studied.

 

Georgia Senior  Health Insurance – Medicare Supplement, Prescription Drug (Part D), And Medicare Advantage Plans

Medicare Supplement plans are offered by many major companies. Ten policy options are available, with Plan F offering the most comprehensive coverage. An alternative “High Deductible” Plan F is also available. You must be enrolled in Parts A and B to qualify for a Medigap (Supplement) policy. If  you are buying a policy after Open Enrollment ends, medical underwriting may apply. Shown below are current estimated monthly rates for popular plans in the largest counties in Georgia. Prices are based on a non-smoking 65 year-old male.

 

Fulton, Lamar, Clayton, and DeKalb Counties Plan A

$103 – UnitedHealthcare

$107 – Philadelphia American

$120 – New Era Life

$121 – Combined Insurance

$122 – Companion Life

$123 – Aetna

$131 – Shenandoah Life

$136 – CSI Life

$140 – Central States

$148 – United American

$150 – Greek Catholic Union

$153 – Equitable

$155 – Pekin Life

$151 – Cigna

$172 – Omaha

$173 – Humana

$189 – BCBS Of Georgia

$250 – Gerber

 

Fulton, Lamar, Clayton, and DeKalb Counties Plan C

$192 – AARP-UnitedHealthcare

$199 – New Era Life

$221 – Central States

$285 – United American

 

Fulton, Lamar, Clayton, and DeKalb Counties Plan F (High Deductible)

$48 – United American

$55 – Cigna

$57 – Philadelphia American

$59 – Mutual Of Omaha

$66 – Humana

$72 – Aetna

 

Fulton, Lamar, Clayton, and DeKalb Counties Plan F

$171 – Manhattan Life

$171 – Philadelphia American Life

$178 – Companion Life

$179 – Pekin Life

$182 – AARP-UnitedHealthcare

$182 – Cigna

$187 – Greek Catholic Union

$191 – BCBS Of Georgia

$198 – CSI Life

$199 – Aetna

$203 – Mutual Of Omaha

$204 – Central States

$219 – American Retirement Life

$223 – Equitable

$240 – Humana

$292 – United American

$328  – Gerber

 

Fulton, Lamar, Clayton, and DeKalb Counties Plan G

$134 – Shenandoah Life

$137 – Philadelphia American Life

$144 – Humana

$147 – Pekin Life

$151 – Mutual Of Omaha

$152 – Greek Catholic Union

$153 – Companion Life

$155 – Combined Insurance

$156 – Equitable

$157 – Cigna

$159 – Aetna

$160 – CSI Life

$166 – Companion Life

$174 – Central States

$195 – American Retirement Life

$207 – Equitable

$270 – United American

$299 – Gerber

$329 – American Retirement Life

 

Fulton, Lamar, Clayton, and DeKalb Counties Plan N

$101 – Aetna

$103 – New Era Life

$111 – Shenandoah Life

$119 – Omaha

$120 – AARP-UnitedHealthcare

$121 – Pekin Life

$128 – Greek Catholic Union

$128 – CSI Life

$130 – Combined Insurance

$132 – Central States

$134 – Cigna

$141 – Equitable

$144 – Humana

$149 – American Retirement Life

$212 – United American

 

Gwinnett, Barrow, Rockdale, Newton,  and Cobb Counties Plan C

$172 – Manhattan Life

$181 – AARP-UnitedHealthcare

$197 – Central States

$199 – New Era Life

$226 – Humana

$285 – United American

 

Gwinnett, Barrow, Rockdale, Newton,  and Cobb Counties Plan F (High Deductible)

$48 – United American

$57 – Philadelphia American Life

$57 – Cigna

$59 – Mutual Of Omaha

$63 – ZHumana

$72 – Aetna

 

Gwinnett, Barrow, Rockdale, Newton,  and Cobb Counties Plan F

$171 – Philadelphia American Life

$178 – Companion Life

$179 – Pekin Life

$182 – AARP-UnitedHealthcare

$182 – Shenandoah Life

$186 – Combined Insurance

$187 – Greek Catholic Union

$191 – Cigna

$199 – Aetna

$203 – Mutual Of Omaha

$204 – Central States

$210 – Equitable

$217 – CSI Life

$231 – Humana

$251 – American Retirement Life

$292 – United American

$357 – Gerber

 

Gwinnett, Barrow, Rockdale, Newton, and Cobb Counties Plan G

$134 – BCBS Of Georgia

$135 – Manhattan Life

$137 – Philadelphia American Life

$147 – Pekin Life

$148 – Combined Insurance

$151 – Mutual Of Omaha

$151 – CSI Life

$151 – Cigna

$152 – Greek Catholic Union

$156 – Equitable

$159 – Aetna

$162 – Central States

$270 – United American

$275 – Gerber

 

Gwinnett, Barrow, Rockdale, Newton, and Cobb Counties Plan N

$108 – Manhattan Life

$114 – BCBS Of Georgia

$119 – Mutual Of Omaha

$119 – New Era Life

$120 – Aetna

$120 – AARP-UnitedHealthcare

$121 – Pekin Life

$127 – Greek Catholic Union

$128 – CSI Life

$129 – Cigna

$132 – Central States

$133 – Equitable

$138 – Humana

$143 – Combined Insurance

$212 – United American

 

Chatham, McIntosh, Effingham, and Liberty Counties Plan B

$122 – American Continental

$160 – AARP-UnitedHealthcare

$182 – Aetna

$183 – Central States

$262 – United American

 

Chatham, McIntosh, Effingham, and Liberty Counties Plan C

$192 – AARP-UnitedHealthcare

$199 – New Era Life

$221 – Central States

$285 – United American

 

Chatham, McIntosh, Effingham, and Liberty Counties Plan F (High Deductible)

$47 – Cigna

$48 – United American

$57 – Philadelphia American

$58 – Humana

$59 – Mutual Of Omaha

$62 – American Continental

$72 – Aetna

 

Chatham, McIntosh, Effingham, and Liberty Counties Plan F

$154 – Pekin Life

$154 – American Continental Life

$158 – Cigna

$171 – Philadelphia American Life

$172 – Greek Catholic Union

$173 – Humana

$178 – Companion Life

$182 – Shenandoah Life

$193 – AARP-UnitedHealthcare

$203 – Combined Insurance

$203 – Mutual Of Omaha

$210 – American Retirement Life

$217 – Aetna

$217 – CSI Life

$223 – Equitable

$229 – Central States

$295 – United American

$318 – Gerber

 

Chatham, McIntosh, Effingham, and Liberty Counties Plan N

$101 – American Continental Life

$105 – Pekin Life

$110 – Cigna

$110 – Greek Catholic Union

$111 – Shenandoah Life

$113 – Humana

$119 – Mutual Of Omaha

$120 – New Era Life

$124 – American Retirement Life

$127 – AARP-UnitedHealthcare

$128 – CSI Life

$130 – Aetna

$141 – Equitable

$142 – Central States

$150 – Combined Insurance

$212 – United American

 

Chatham, McIntosh, Effingham, and Liberty Counties Plan G

$125 – Cigna

$127 – Pekin Life

$131 – Greek Catholic Union

$135 – Manhattan Life

$137 – Philadelphia American

$148 – Combined Insurance

$150 – American Retirement Life

$151 – CSI Life

$151 – Mutual Of Omaha

$153 – Companion Life

$159 – Aetna

$162 – Central States

$164 – Equitable

$245 – Gerber

$270 – United American

 

Cherokee, Cobb, Douglas, Paulding, Polk, and Carroll Counties Plan C

$192 – AARP-UnitedHealthcare

$199 – New Era Life

$221 – Central States

$235 – Humana

$285 – United American

 

Cherokee, Cobb, Douglas, Paulding, Polk, and Carroll Counties Plan F (High Deductible)

$48 – United American

$57 – Philadelphia American

$57 – Cigna

$59 – Mutual Of Omaha

$59 – Humana

$72 – Aetna

 

Cherokee, Cobb, Douglas, Paulding, Polk, and Carroll Counties Plan F

$170 – Philadelphia American

$178 – Humana

$179 – Pekin Life

$180 – Manhattan Life

$183 – Shenandoah Life

$186 – Combined Insurance

$187 – Greek Catholic Union

$191 – Cigna

$193 – AARP-UnitedHealthcare

$193 – Companion Life

$199 – Aetna

$202 – Combined Insurance

$203 – Mutual Of Omaha

$211 – Equitable

$218 – CSI Life

$229 – Central States

$251 – American Retirement Life

$295 – United American

$358 – Gerber

 

Cherokee, Cobb, Douglas, Paulding, Polk, and Carroll Counties Plan G

$125 – AARP-UnitedHealthcare

$126 – Western United Life

$134 – Shenandoah Life

$134 – Guarantee Trust Life

$136 – Philadelphia American Life

$139 – Thrivent

$143 – American Continental

$144 – Humana

$147 – Pekin Life

$149 – Liberty Bankers Life

$151 – Mutual Of Omaha

$153 – Companion Life

$155 – Combined Insurance

$156 – Greek Catholic Union

$156 – Transamerica

$157 – Cigna

$160 -CSI Life

$171 – Equitable Life

$174 – Central States

$195 – American Retirement Life

$270 – United American

$299 – Gerber

 

Cherokee, Cobb, Douglas, Paulding, Polk, and Carroll Counties Plan N

$109 – Western United Life

$111 – Shenandoah Life

$112 – Guarantee Trust Life

$116 – Humana

$118 – American Continental

$118 – Thrivent

$119 – Mutual Of Omaha

$122 – Pekin Life

$122 – AARP-UnitedHealthcare

$127 – Greek Catholic Union

$128 – CSI Life

$128 – Liberty Bankers Life

$129 – New Era Life

$134 – Cigna

$134 – Transamerica

$142 – Central States

$146 – Equitable life

$149 – American Retirement Life

$150 – Combined Insurance

$212 – United American

 

Medicare Advantage Plans

 

Medicare Advantage contracts typically are less expensive than Supplement plans. A private insurer provides basic Medicare coverage, along with several additional benefits. Many plans include prescription drug coverage. We have listed below policy options from major carriers. Not all plans are offered in each county. Rates will also vary, depending upon your county of residence.

 

AARP MedicareComplete Plan 1 (HMO) – $240 deductible with maximum out-of-pocket expenses of $6,700. Inpatient hospital copay of $345 for days 1-5, and $0 for days 6-90. Outpatient hospital copay is $325 per visit. Office visit copays are $10 and $40. The ER copay is $80 and the Urgent Care copay is $30-$40. Diagnostic tests and procedures are subject to 20% coinsurance, and lab services are subject to a $2 copay. Diagnostic radiology services (MRIs) are subject to 20% coinsurance and outpatient x-rays are subject to a $14 copay.

Mental health services include a $30 copay for outpatient group therapy and $40 for outpatient individual therapy. The skilled nursing facility copay is $0 for days 1-20, and $160 for days  21-62 and $0 for days 63-100. Occupational and physical therapy copays are $39, and the copay for foot exams and treatment is $40. Preventative dental visits (cleaning and x-rays) are not covered. Routine eye exams, glasses, and contacts have a $0 copay. Hearing services have a $10 copay. Preferred pharmacy cost-sharing copays are $3 (Tier 1), $10 (Tier 2), $47 (Tier 3) $95 (Tier 4), and 28% (Tier 5).

Aetna Medicare Premier Plan (PPO) – $50 deductible with maximum out-of-pocket expenses of $5,900. Inpatient hospital copay of $275 for days 1-7, and $0 for days 8-90. Outpatient hospital copay is $0-$250 per visit. Office visit copays are $7 and $40. The ER copay is $80 and the Urgent Care copay is $7-$40. Diagnostic tests and procedures are subject to 20% coinsurance, and lab services are subject to a $15 copay. Diagnostic radiology services (MRIs) are subject to a $235 copay and outpatient x-rays are subject to a $35 copay.

Mental health services include a $40 copay for outpatient group therapy and $50 for outpatient individual therapy. The skilled nursing facility copay is $0 for days 1-20, and $145 for days  21-100. Occupational and physical therapy copays are $20, and the copay for foot exams and treatment is $40. Preventative dental visits (cleaning and x-rays) are covered at 100%. Routine eye exams, glasses, and contacts have a $0 copay. Hearing services have a $40 copay. Preferred pharmacy cost-sharing copays are $2 (Tier 1), $5 (Tier 2), $42 (Tier 3) $100 (Tier 4), and 32% (Tier 5).

Aetna Medicare Essential Plan (PPO) – $75 deductible with maximum out-of-pocket expenses of $5,900. Inpatient hospital copay of $285 for days 1-7, and $0 for days 8-90. Outpatient hospital copay is $40-$275 per visit. Office visit copays are $9 and $40. The ER copay is $80 and the Urgent Care copay is $9-$40. Diagnostic tests and procedures are subject to 20% coinsurance, and lab services are subject to a $25 copay. Diagnostic radiology services (MRIs) are subject to a $225 copay and outpatient x-rays are subject to a $39 copay.

Mental health services include a $39 copay for outpatient group therapy and $39 for outpatient individual therapy. The skilled nursing facility copay is $0 for days 1-20, and $145 for days  21-100. Occupational and physical therapy copays are $39, and the copay for foot exams and treatment is $40. Preventative dental visits (cleaning and x-rays) are covered at 100%. Routine eye exams, glasses, and contacts have a $0 copay. Hearing services have a $40 copay. Preferred pharmacy cost-sharing copays are $2 (Tier 1), $5 (Tier 2), $42 (Tier 3) $100 (Tier 4), and 31% (Tier 5).

Aetna Medicare Basics Plan (PPO) – $0 deductible with maximum out-of-pocket expenses of $5,900. Inpatient hospital copay of $250 for days 1-7, and $0 for days 8-90. Outpatient hospital copay is $20-$150 per visit. Office visit copays are $5 and $20. The ER copay is $80 and the Urgent Care copay is $5-$20. Diagnostic tests and procedures are subject to $50 copay, and lab services are subject to a $15 copay. Diagnostic radiology services (MRIs) are subject to a $150 copay and outpatient x-rays are subject to a $25 copay.

Mental health services include a $20 copay for outpatient group therapy and $20 for outpatient individual therapy. The skilled nursing facility copay is $0 for days 1-20, and $145 for days  21-100. Occupational and physical therapy copays are $20, and the copay for foot exams and treatment is $20. Preventative dental visits (cleaning and x-rays) are covered at 100%. Routine eye exams, glasses, and contacts have a $0 copay. Hearing services have a $20 copay.

HumanaChoice R-3392-001 (Regional PPO) – $500 deductible with maximum out-of-pocket expenses of $5,900. Inpatient hospital copay of $245 for days 1-6, and $0 for days 7-90. Outpatient hospital copay is $245. Office visit copays are $15 and $20-$45. The ER copay is $80 and the Urgent Care copay is $15-$45. Diagnostic tests and procedures are subject to $0-$95 copay, and lab services are subject to a $0-$45 copay. Diagnostic radiology services (MRIs) are subject to a $45-$245 copay and outpatient x-rays are subject to a $15-$95 copay.

Mental health services include a $40 copay for outpatient group therapy and $40 for outpatient individual therapy. The skilled nursing facility copay is $0 for days 1-20, and $167 for days  21-100. Occupational and physical therapy copays are $15-$40, and the copay for foot exams and treatment is $45. Preventative dental visits (cleaning and x-rays) are not included in benefits. Routine eye exams, glasses, and contacts have a $0 copay. Hearing services have a $45 copay.

Cigna HealthSpring Preferred – $300 deductible with maximum out-of-pocket expenses of $6,700. Inpatient hospital copay of $360 for days 1-5, and $0 for days 6-90. Outpatient hospital copay is $0-$325. Office visit copays are $10 and $40. The ER copay is $80 and the Urgent Care copay is $50. Diagnostic tests and procedures are subject to $0-$225 copay, and lab services are subject to a $30 copay. Diagnostic radiology services (MRIs) are subject to a $0-$225 copay and outpatient x-rays are subject to a $25.

Mental health services include a $40 copay for outpatient group therapy and $40 for outpatient individual therapy. The skilled nursing facility copay is $0 for days 1-20, and $167 for days  21-100. Occupational and physical therapy copays are $40, and the copay for foot exams and treatment is $45. Preventative dental visits (cleaning and x-rays) are covered at 100%. Routine eye exams, glasses, and contacts have a $0 copay. Hearing services have a $20 copay. Preferred pharmacy cost-sharing copays are $3 (Tier 1), $12 (Tier 2), $42 (Tier 3) 50% (Tier 4), and 27% (Tier 5).

 

Part D Prescription Drug Plans

 

EnvisionRxPlus – $12.60 monthly premium with $300 deductible (does not apply to Tiers 1 and 2).  30-day cost-sharing copays are $1 (Tier 1), $6 (Tier 2), $29 (Tier 3), 40% (Tier 4), and 27% (Tier 5). 90-day cost-sharing copays are $2 (Tier 1), $18 (Tier 2), $87 (Tier 3), 40% (Tier 4), and na (Tier 5). 2,984 formulary drugs are available.

Aetna Medicare Rx Select – $17.80 monthly premium with $405 deductible (does not apply to Tiers 1 and 2).  30-day cost-sharing copays are $0 (Tier 1), $3 (Tier 2), $47 (Tier 3), 42% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $0 (Tier 1), $9 (Tier 2), $141 (Tier 3), 42% (Tier 4), and na (Tier 5). 5,218 formulary drugs are available.

Aetna Medicare Rx Saver – $23.80 monthly premium with $350 deductible (does not apply to Tiers 1 and 2).  30-day cost-sharing copays are $1 (Tier 1), $2 (Tier 2), $30 (Tier 3), 35% (Tier 4), and 26% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $6 (Tier 2), $90 (Tier 3), 35% (Tier 4), and na (Tier 5). 3,416 formulary drugs are available.

SilverScript Choice – $19.60 monthly premium with $0 deductible.  30-day cost-sharing copays are $3 (Tier 1), $14 (Tier 2), $43 (Tier 3), 47% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $7.50 (Tier 1), $35 (Tier 2), $107.50 (Tier 3), 47% (Tier 4), and na (Tier 5). 3,052 formulary drugs are available.

SilverScript Plus – $46.20 monthly premium with $0 deductible.  30-day cost-sharing copays are $2 (Tier 1), $8 (Tier 2), $40 (Tier 3), 46% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $5 (Tier 1), $20 (Tier 2), $100 (Tier 3), 46% (Tier 4), and na (Tier 5). 3,087 formulary drugs are available.

Humana Walmart Rx Plan – $20.40 monthly premium with $405 deductible (does not apply to Tiers 1 and 2).  30-day cost-sharing copays are $1 (Tier 1), $4 (Tier 2), 21% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $12 (Tier 2), 21% (Tier 3), 35% (Tier 4), and na (Tier 5). 3,155 formulary drugs are available.

Humana Preferred Rx Plan – $25.40 monthly premium with $405 deductible.  30-day cost-sharing copays are $0 (Tier 1), $1 (Tier 2), 20% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $0 (Tier 1), $3 (Tier 2), 20% (Tier 3), 35% (Tier 4), and na (Tier 5). 3,065 formulary drugs are available.

Humana Enhanced Plan – $77.70 monthly premium with $0 deductible.  30-day cost-sharing copays are $3 (Tier 1), $7 (Tier 2), $42 (Tier 3), 44% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $9 (Tier 1), $21 (Tier 2), $126 (Tier 3), 44% (Tier 4), and na (Tier 5). 3,400 formulary drugs are available.

Express Scripts Medicare Saver – $22.60 monthly premium with $405 deductible (does not apply to Tiers 1 and 2).  30-day cost-sharing copays are $1 (Tier 1), $4 (Tier 2), 18% (Tier 3), 45% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $12 (Tier 2), 18% (Tier 3), na (Tier 4), and na (Tier 5). 2,956 formulary drugs are available.

Express Scripts Medicare Value – $35.70 monthly premium with $405 deductible.  30-day cost-sharing copays are $1 (Tier 1), $3 (Tier 2), $23 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $9 (Tier 2), $69 (Tier 3), na (Tier 4), and n/a (Tier 5). 3,085 formulary drugs are available.

Symphonix Value Rx (UnitedHealthcare) – $24.30 monthly premium with $405 deductible.  30-day cost-sharing copays are $1 (Tier 1), $3 (Tier 2), $28 (Tier 3), 34% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $9 (Tier 2), $84 (Tier 3), 34% (Tier 4), and 25% (Tier 5). 3,122 formulary drugs are available.

AARP MedicareRx WalGreens – $26.70 monthly premium with $405 deductible (does not apply to Tiers 1 and 2).  30-day cost-sharing copays are $0 (Tier 1), $6 (Tier 2), $31 (Tier 3), 32% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $0 (Tier 1), $18 (Tier 2), $93 (Tier 3), 32% (Tier 4), and 25% (Tier 5). 3,037 formulary drugs are available.

AARP MedicareRx Saver Plus – $51 monthly premium with $405 deductible.  30-day cost-sharing copays are $1 (Tier 1), $9 (Tier 2), $31 (Tier 3), 30% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $27 (Tier 2), $93 (Tier 3), 30% (Tier 4), and 25% (Tier 5). 3,122 formulary drugs are available.

AARP MedicareRx Preferred – $89.60 monthly premium with $0 deductible.  30-day cost-sharing copays are $5 (Tier 1), $10 (Tier 2), $37 (Tier 3), 40% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $15 (Tier 1), $30 (Tier 2), $111 (Tier 3), 40% (Tier 4), and 33% (Tier 5). 3,549 formulary drugs are available.

WellCare Classic – $26.70 monthly premium with $405 deductible.  30-day cost-sharing copays are $0 (Tier 1), $1 (Tier 2), $31 (Tier 3), 42% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $0 (Tier 1), $3 (Tier 2), $93 (Tier 3), 42% (Tier 4), and na (Tier 5). 2,990 formulary drugs are available.

WellCare Extra – $70 monthly premium with $0 deductible.  30-day cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $35 (Tier 3), 35% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $105 (Tier 3), 35% (Tier 4), and na (Tier 5). 2,933 formulary drugs are available.

Cigna-HealthSpring Rx Secure Extra – $56.10 monthly premium with $0 deductible.  30-day cost-sharing copays are $4 (Tier 1), $10 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3,493 formulary drugs are available.

Cigna-HealthSpring Rx Secure  – $63.80 monthly premium with $0 deductible.  30-day cost-sharing copays are $0 (Tier 1), $5 (Tier 2), $32 (Tier 3), 39% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $0 (Tier 1), $15 (Tier 2), $96 (Tier 3), 39% (Tier 4), and n/a (Tier 5). 3,449 formulary drugs are available.

First Health Part D Value Plus  – $56.30 monthly premium with $0 deductible.  30-day cost-sharing copays are $10 (Tier 1), $27(Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $6 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 5,257 formulary drugs are available.

Magellan Rx Medicare Basic – $62.90 monthly premium with $405 deductible.  30-day cost-sharing copays are $1 (Tier 1), $5 (Tier 2), 14% (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $15 (Tier 2), 14% (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3,449 formulary drugs are available.

BCBSGa Blue MedicareRx Preferred – $78.40 monthly premium with $405 deductible (does not apply to Tiers 1 and 6).  30-day cost-sharing copays are $1 (Tier 1), $5 (Tier 2), $32 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 90-day cost-sharing copays are $3 (Tier 1), $15 (Tier 2), $96 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 2,967 formulary drugs are available.

 

Temporary Ga Policies – They’re Cheap!

Non-compliant short-term plans are often purchased because of the extremely low premiums and same-day approval feature that many carriers offer. Although they are underwritten (not guaranteed-approval) and many pre-existing conditions are not covered, these contracts are popular if existing or prior coverage lapsed and you need to obtain benefits ASAP.

In less than 24 hours, an application can be approved and coverage (depending on the policy and carrier) can be kept for as long as 12 months. Although major medical benefits are fairly robust, often, there are out-of-pocket expenses for prescriptions, office visits and therapy. Also, depending on the length of time you don’t have qualified Exchange coverage a pro-rated penalty may be charged based on household income.

We listed below several examples of available short-term rates. Applicants are assumed to be in good health and are non-smokers.

 

30 Year-Old Male Residing In Fulton County

$51 – $7,500 deductible and 20% coinsurance from The IHC Group.

$60 – $5,000 deductible and 20% coinsurance from The IHC Group.

$66 – $2,500 deductible and 20% coinsurance from The IHC Group.

$90 – $1,000 deductible and 20% coinsurance from The IHC Group.

$113 – $5,000 deductible and 20% coinsurance from National General.

$124 – $5,000 deductible and 20% coinsurance from UnitedHealthcare.

$198 – $1,000 deductible and 30% coinsurance from UnitedHealthcare.

 

45 Year-Old Female Residing In Gwinnett County

$82 – $7,500 deductible and 20% coinsurance from The IHC Group.

$98 – $5,000 deductible and 20% coinsurance from The IHC Group.

$109 – $2,500 deductible and 20% coinsurance from The IHC Group.

$154 – $1,000 deductible and 20% coinsurance from The IHC Group.

$173 – $5,000 deductible and 20% coinsurance from Companion Life.

$212 – $5,000 deductible and 20% coinsurance from UnitedHealthcare.

$219 – $1,000 deductible and 30% coinsurance from UnitedHealthcare.

 

50 Year-Old Married Couple (2 Persons) Residing In Cobb County

$224 – $7,500 deductible and 20% coinsurance from The IHC Group.

$271 – $5,000 deductible and 20% coinsurance from The IHC Group.

$304 – $2,500 deductible and 20% coinsurance from The IHC Group.

$445 – $1,000 deductible and 20% coinsurance from The IHC Group.

$448 – $5,000 deductible and 20% coinsurance from UnitedHealthcare.

$465 – $2,500 deductible and 30% coinsurance from UnitedHealthcare.

$521 – $5,000 deductible and 20% coinsurance from Companion Life.

 

40 Year-Old Married Couple With Two Children (4 Persons) Residing In Dekalb County

$172 – $7,500 deductible and 20% coinsurance from The IHC Group.

$207 – $5,000 deductible and 20% coinsurance from The IHC Group.

$232 – $2,500 deductible and 20% coinsurance from The IHC Group.

$317 – $5,000 deductible and 20% coinsurance from UnitedHealthcare.

$338 – $1,000 deductible and 20% coinsurance from The IHC Group.

$396 – $2,500 deductible and 30% coinsurance from UnitedHealthcare.

$503 – $5,000 deductible and 20% coinsurance from National General.

 

 

NOTE: Temporary policies can often be renewed one time. This means that after the first renewal, although your existing carrier may not offer coverage, another carry will, assuming you meet their underwriting criteria. And ironically, after a year, you can return to the original company and re-apply for another policy.

Affordable health insurance rates in Georgia. With the help of federal subsidies, guarantee-approval underwriting, and comparing multiple plans, we’ll help you find those low-cost plans that provide the benefits you need at the cheapest price.