Georgia State Health Benefit Plan (SHBP)
The Georgia State Health Benefit Plan is a health care option primarily for those who work for the state government in certain capacities. The Georgia SHBP helps government employees get health benefits through their place of employment instead of having to use other methods for finding health coverage. Since this health plan is only for state employees, not everyone will be able to get on this insurance plan. There are also different plan options available to those who qualify, so it is important to know which coverage option will be the best for you. If you believe you meet the State Health Plan eligibility requirements, then you may be asking yourself, “How can I apply for the Georgia SHBP?” or “How soon can I get covered by the State Health Benefit Plan?” To get answers to your questions and more, read the following information.
Eligibility Requirements for the State Health Plan in Georgia
Learning how to enroll in the Georgia State Health Benefit Plan requires also learning about the eligibility requirements to enroll. The Georgia State Health Plan eligibility qualifications are in place to make sure that those who receive benefits from this plan are indeed eligible to receive them. There are three separate funds for different types of employees that supply the SHBP in Georgia with enough financial resources to provide health benefits to qualifying beneficiaries. The first fund is for state employees, the second is for teachers and the third is for public school employees who are not teachers. These funds make it so that the following types of health insurance applicants can receive health benefits;
- State employees
- Teachers and public school employees
- Eligible dependents
- Former and retired employees
- Members of the General Assembly
The Georgia State Health Benefit Plan allows former employees to remain enrolled in their health plan if they have completed a certain number of years as an employee with the state government or public school system. Retired employees (referred to as annuitants) can receive health benefits after retiring from their employment. However, if an employee worked elsewhere and then retired, then he or she would not be eligible for the Georgia SHBP. If a dependent is being added to the health plan, then a form will need to be submitted first to verify that this person can be added to the beneficiary’s health coverage.
Learn more about the requirements to enroll and other health care options in our comprehensive guide.
How to Enroll in the Georgia State Health Benefit Plan
Those who are eligible to enroll in the Georgia State Health Benefit Plan will need to learn more about the application process. Georgia SHBP enrollment is available during different times, depending on the applicant’s situation. If an employee has been recently hired, then he or she will qualify for special enrollment. This means the employee can pick out health coverage options even if open enrollment is not currently taking place. If an employee has been hired but has forgone the benefit plan but later decides to enroll in it, then he or she will have to wait until open enrollment.
Those who were part of the Georgia State Health Plan and have retired cannot add new dependents onto their health plan, so it is important that a state employee or public school teacher requests any qualifying family members as a dependent before retiring. However, the retiree will be given the opportunity to change details of his or her plan before officially retiring from work. If you are unhappy with your plan after retiring, then you will have to wait for certain change periods to make any alterations to your current health plan.
Please be aware that the Georgia State Health Benefit Plan enrollment process will require you to give a lot of personal details about yourself and your family including Social Security Numbers, legal names, addresses and income levels.
Download our free guide for details about apply for health care coverage successfully.
Plans Available for the Georgia SHBP
Not everyone enrolling in the Georgia State Health Benefit Plan will have the same health coverage plan, as the SHBP offers many options and different types of coverage to those enrolled. Some of the Georgia SHBP options including enrolling in an HMO or a high-deductible plan. Those employees who qualify for Medicare will have specific Medicare options for them as members of the SHBP. These plans come with a different premium, deductible and copayment amount, so it is up to the qualifying applicant to choose which option is best for him or her. With certain plan options, there are different insurance providers to choose from as well.
Additional Details About the SHBP in Georgia
If you do qualify for the Georgia State Health Benefits Plan, then you are not required to enroll. If you prefer to get health care from Obamacare or from a family member’s insurance plan, then you may do so. However, most Georgia SHBP qualifying individuals will choose the state plan option, as it will provide health benefits to them and their families. Plus, this plan can easily be transitioned to after one goes into retirement. If you are able to qualify for the state health plan, then look over all of your insurance options before you enroll and pick a health coverage plan. This will make sure you know what is your best option for getting the health coverage you need.