Individual Coverage That Works For You
The right coverage brings piece of mind. Heart of Georgia Insurance Brokers helps you safeguard your family with clear guidance and a full range of options, including health, dental, vision, life, disability, and Medicare Supplements.
Trusted by Georgians for dependable coverage, our licensed advisors make it simple to choose what fits your needs. Reach out today for a free quote.
Individual & Family Health Insurance
Don't get overwhelmed by the many health insurance potions or the confusing language of the Affordable Care Act. Heart of Georgia Insurance Brokers makes the process simple.
When you apply for coverage through Georgia Access, your income and household size will determine whether you qualify for premium tax credits or cost-sharing reductions that can lower your monthly premiums, deductibles, and out-of-pocket costs.
Individuals and families can enroll each year during Open Enrollment (November 1 - December 15). You may also qualify for a Special Enrollment Period if you experience a qualifying life event such as losing employer coverage, divorce, marriage, birth of a child, or aging off a parent's plan.
2026 Guidelines to determine subsidy eligibility in Georgia Access
| Household Size | Lower Income Limit | Upper Income Limit |
|---|---|---|
| 1 | $15,960 | $63,840 |
| 2 | $21,640 | $86,560 |
| 3 | $27,320 | $109,280 |
| 4 | $33,000 | $132,000 |
| 5 | $38,680 | $154,720 |
Individual Dental & Vision Insurance
Investing in your oral health and vision is an important part of your overall wellness. Heart of Georgia Insurance Brokers in appointed with leading dental and vision carriers and can help you choose plans that keep your costs low and your health on track. From routine checkups to unexpected needs, we make it simple to find courage that
fits your family and your budget.
Life & Disability Insurance
Protecting your family's financial future starts with the right coverage. Heart of Georgia Insurance Brokers offers a full range of life insurance options, providing guaranteed income to the people who depend on you.
Your income is most important to protect. Our short-term and long-term disability plans help replace a portion of your income if illness or inquiry keeps you from working.
Heart of Georgia Insurance Brokers makes it simple to build a reliable safety net for your family and your future.
Specialty Products
To give you comprehensive protection, Heart of Georgia Insurance Brokers also offers a variety of specialty products that help fill coverage gaps and provide added financial security when unexpected events occur, including:
Transitioning to Medicare doesn't have to be confusing. With constant advertising and endless plan choices, it's easy to feel overwhelmed. The certified agents at Heart of Georgia Insurance Brokers simplify the process and help you find coverage that truly fits your needs. Our team has the technology, experience, and knowledge to guide with confidence.
Medicare Supplement plans, often called Medigap plans, are sold by private insurance companies and help cover the "gaps" that Medicare doesn't pay. These policies can help with Deductibles, Copayments, and Coinsurance. They work alongside Original Medicare to reduce your out-of-pocket costs and provide predictable, reliable coverage.
Medicare Advantage plans (Part C) are all-in-one alternative to Original Medicare. These plans include Part A, Part B, and usually Part D, and often offer additional benefits such as Vision, Hearing, Dental and Wellness programs.
Prescription Drug Coverage (Part D) plans help cover the cost of prescription medications and can significantly reduce your out-of-pocket expenses. These plans vary by carrier, so choosing the right one is important for managing your ongoing medication needs.
Currently our Agency provides Part D Assistance exclusively for clients that are purchasing Medicare Supplements. If you need help comparing plans or understanding your options, we'll make sure you have the guidance and resources you need.
You can review your Medicare Advantage each year during the Annual Enrollment Period (October 15 - December 7). If you're new to Medicare or considering a change, contact Heart of Georgia Insurance Brokers. Our certified agents are here to help you make confident, informed decisions about your coverage.
CMS Disclaimer
“We do not offer every plan available in your area. Currently we represent 8 organizations which offer 64 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or local State Health Insurance Program (SHIP) to get information on all of your options.” We use Medicare.gov to access all of your options and we are appointed with most carriers. If the best plan available for you is a carrier that we are not appointed with, we are more than happy to advise on how to apply for it.
We’d love to hear from you! Call our team at
(478) 745-4741
