South Carolina Health Insurance
Health Insurance Overview
South Carolina residents have many options for health care coverage. There are numerous South Carolina insurance providers to choose from, along with a variety of South Carolina medical insurance plans designed to meet the specific needs of individuals, families and groups.
Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group South Carolina health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable South Carolina medical insurance from the best South Carolina insurance providers around.
Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand South Carolina health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public South Carolina health insurance programs, and even details on some of the top South Carolina insurance providers.
To compare specific South Carolina medical insurance plans offered by the various South Carolina insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your South Carolina health insurance needs.
At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite South Carolina health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of South Carolina? Find your state here.
Total South Carolina Residents – 4,507,800
Total Health Insurance Coverage In South Carolina:
Employer – 47%
Individual – 4%
Medicaid – 14%
Medicare – 15%
Other Public – 2%
Uninsured – 19%
Average Individual Monthly Premiums – $211
Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 21%
Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,006
Average adjusted hospital cost per inpatient day – $1,792
There are several South Carolina health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state law, South Carolina insurance providers are allowed to look at an applicant’s health status to determine if they are accepted into coverage and to set monthly premiums.
If an applicant has a pre-existing health condition, he or she might be turned down for coverage but can purchase a plan through the South Carolina Health Insurance Pool. This high risk pool accepts all applicants regardless of health status. But it is important to note that these plans can be quite expensive.
South Carolina health insurance plans must also cover certain medical services according to state mandates. Those required services include:
- Screening for breast, prostate and cervical cancer
- Care for pregnant women
Additionally, South Carolina insurance providers are also required to set equal coverage limits and maximums for mental health conditions and physical conditions. And residents who have recently left a group health plan with an employer and are HIPAA-eligible have special protections under federal law, as well.
Health Care for Children with Chronic Illness
Healthcare for ill children who do not qualify for Medicaid. Visit the website.
South Carolina Health Insurance High Risk Pool
The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in South Carolina with pre-existing conditions are able to get health insurance from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular South Carolina health insurance plans and requires enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the South Carolina PCIP pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for South Carolina residents are $301 for ages 0 to 34; $361 for ages 35 to 44; $462 for ages 45 to 54; $642 for ages 55 and older. The plan has a $2,500 deductible, which has to be met before health insurance benefits kick in. There is also an out-of-pocket limit set at $5,950 a year. Residents who are eligible for the plan will have access to health insurance coverage for prescription drugs, doctor and hospital visits, emergency services, and more.
Individuals may apply for the South Carolina PCIP program if they are a United States’ citizen, have n existing medical condition, and have been without health insurance for six months. For more information on the South Carolina health insurance high risk pools visit http://www.healthcare.gov.
To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/
The state of South Carolina offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:
South Carolina Medicaid is designed to provide low-income and disabled residents with free health insurance. To learn more about this South Carolina health insurance program, visit this website.
- Partners for Healthy Children
This program provides free health care and affordable health insurance for children who are under the age of 19 and whose families meet income eligibility requirements. For more information about Partners for Healthy Children, visit online.
- The Best Chance Network
Low-earning women in South Carolina can get free screening for breast and cervical cancer through this program. Learn more about this South Carolina health insurance program for women.
- South Carolina Medicare
Seniors can find South Carolina health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.
Federal programs such as the Federal Health Coverage Tax Credit also provide some financial assistance for South Carolina residents. Learn more about the tax credit online.
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Assurant Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross and Blue Shield of South Carolina Health Insurance
As a non-profit insurance company, BCBS of South Carolina provides a wide variety of health insurance plans with superior customer service.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Cigna Health Insurance
CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health Insurance
Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.
Humana Health Insurance
Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.
Standard Security Life Health Insurance
The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
UnitedHealthOne Health Insurance
Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.
WellPath Select, Inc. Health Insurance
WellPath is a Coventry Health Care Plan and subsidiary of Coventry Health Care, Inc., one of the country’s largest health insurance companies. WellPath provides coverage to 160,000 members in North and South Carolina and strives to be the premier regional plan in its area.
WorldIns ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
South Carolina Department of Insurance and Department of Health and Environmental Control
Find the contact information for the South Carolina health insurance and health and environmental control departments at:
South Carolina Department of Insurance
PO Box 100105
Columbia, SC 29202
1201 Main Street, Suite 1000
Columbia, SC 29201
Phone: (803) 737-6160
South Carolina Department of Health and Environmental Control
2600 Bull Street
Columbia, SC 29201
Phone: (803) 898-3432