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South Carolina Health Insurance

  • Blue Cross Blue Shield of South Carolina
  • Humana

Learn more about each insurance carrier here: Aetna, Cigna, Cigna PDP, Golden Rule, Humana, UnitedHealthcare Life Insurance Company. Compare health insurance quotes from nearby states:bNorth Carolina Health Insurance, Georgia Health Insurance.

When researching your health insurance options in the state of South Carolina, there are several things to keep in mind. If your employer does not offer benefits, are you healthy enough to obtain health insurance on the individual market? If so, HealthPlanOne can be of service to you in quoting plans appropriate for your needs and price range. Do you own your own business, employing between 2-50 employees? HealthPlanOne can also assist small business owners in obtaining small group coverage. Do you have any pre-existing conditions, disabilities, or are you below an income level which could qualify you for free or low-cost health care programs offered by the government? You may be eligible in South Carolina for Medicaid, Healthy Connections Kids, Welvista, or the high risk pool. Eligibility requirements for each of these options are available on this page.

What Every South Carolina Resident Should Know About Health Insurance

The type of health insurance familiar to most consumers is group coverage offered by an employer. With group health insurance through your employer, the policy is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company's choosing, individual employees are not subject to medical underwriting, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.

Unfortunately, companies frequently have a waiting period before new employees can qualify to receive health insurance benefits. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company's insurance kicks in. Such options are available through HealthPlanOne. Simply visit our Short-Term information page for your free quotes. It is important not to have a lapse in coverage of more than 63 days. If you do, your new insurance carrier may refuse to cover treatment for pre-existing conditions you may have such as asthma or acne for up to a year after your policy goes into effect. For this reason, having continuous health insurance coverage is particularly important.

What If I'm Between Jobs?

As previously mentioned, it is important not to have a break in coverage of more than 63 days. As a result, if you've recently lost your job, look into extending the coverage you had with your employer through COBRA. For more information on continuation of coverage options in your state, view this pdf: http://www.doi.sc.gov/NR/rdonlyres/479D8EE5-E3FF-4DD2-AFC2-C8C02A81F339/0/Consumersstatecontinuation.pdf With the COBRA program through the federal government, you can extend your plan for up to 18 months after losing your job. You will however have to pick up the entire premium cost which your employer had previously been paying. For this reason, it is frequently more economical for people who've lost their jobs, to invest in an individual/family insurance policy through HealthPlanOne.

With individual coverage, you choose the health insurance carrier and benefits you want with the help of HealthPlanOne. We will quote plans for you and your family from all the different carriers available in South Carolina so that you can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. Even if you are not between jobs, a plan on the individual market through HealthPlanOne could still be the best option for your family. Many companies do not offer benefits to their employees, and often those companies that do offer benefits do so at an exorbitant cost for low quality plans. It is important to note that with individual coverage in South Carolina each person who applies is medically underwritten and may be approved, denied, or rated-up by the carrier depending on their health history in recent months.

If you're healthy and are unhappy with the health insurance offered by your employer, are between jobs, or are not offered benefits by your company, enter your zip code into the HealthPlanOne quoting engine at the top of this page to view the most competitively priced plans in your area with benefits tailored to your needs. Quotes are absolutely free, and you're under no obligation to buy. Our licensed insurance specialists are also available via LiveChat (see the button to the right) or toll-free at (877) 567-5267 to answer any questions.

If you're not healthy, there are still many programs available to you. See below for details on the options which best fit your medical and financial situation.

Small Group Plans

If you are self-employed, you can apply for a small group plan. You must have 2 or more eligible employees who each work at least 30 hours per week. Small group plans are medically underwritten by all carriers in South Carolina. This means that though no one in the group can be denied coverage, the carrier can increase the rates based on the health history of employees enrolling. HealthPlanOne can help you by quoting plans for small groups. Simply call us toll-free (877) 567-5267.

South Carolina Medicaid and Medicare

Medicaid is the federal-state cooperative program which makes health insurance available to low-income residents and other high-risk groups in South Carolina. Medicaid works in practice much like having regular health insurance; if you qualify you'll receive a Medicaid card which you can show your doctor at an appointment. If your doctor participates in Medicaid, the State will pay the bill for the appointment minus any other health insurance you may have. The program pays for many medical services including in- and outpatient hospital care, laboratory services, nursing home care, home health care, transportation necessary to receive medical care (ambulance rides), and other services. For more information on the program, click here http://www.dhhs.state.sc.us/dhhsnew/medicaid.asp The state's helpful website for Medicaid enrollment is http://www.scchoices.com/SCSelfService/en_US/index.html

Click here for information on South Carolina Medicare

Healthy Connections Kids

Healthy Connections Kids is South Carolina's version of the federally-mandated State Children's Health Insurance Program. The program is meant to provide health coverage to children who do not qualify for Medicaid but whose parents' income is insufficient to purchase private coverage. Children may qualify if:

  • They are US citizens, residents of SC, and under 19 years old
  • Their family income is under 200% of the federal poverty level
  • The child cannot be covered by any other insurance and has been uninsured for at least the past 3 months (unless their previous insurance was cancelled for a reason that was not the family's choice)
  • Parents and legal guardians of the child are not employed by the state of South Carolina.

For more information, click here: http://www.scchoices.com/SCSelfService/en_US/kids.html

Prescription and Children's Dental Assistance through Welvista

Welvista (formerly known as Communicare) is an organization which partners with 12 pharmaceutical companies and over 3000 healthcare providers to provide free prescription medications to low-income South Carolinians. With a $20 application fee, qualified patients can receive prescription medication for one full year at no additional cost. For more information about this program, visit their website http://www.commun-i-care.org/ For information on the Smiles for a Lifetime program through Welvista which offers children from low-income South Carolina families access to oral healthcare services, click here: http://www.welvista.org/smiles.php

SC Health Insurance Pool (SCHIP)

The South Carolina Health Insurance Pool (SCHIP) is the state's high risk pool. The program is meant to make health insurance available to residents who are rendered medically uninsurable on the individual market by a preexisting condition or whose premium for coverage exceeds 150% of the pool's rate. Eligibility requirements for the pool are very extensive and are available at the program's website: http://www.doi.sc.gov/consumer/schip.htm Coverage under the pool is comparable in benefit to that found on the individual market, though there may be some differences. Check the site's FAQ page here http://www.doi.sc.gov/faqs/schip.htm for details.