We offer health insurance in South Carolina direct from several carriers. With our independent agency, you can compare plans and quotes on and off the exchange.
Both Aetna and United Healthcare have some of the best rates in South Carolina currently. Your monthly premiums will be determined by whether you qualify for a tax credit and at what level. We can guide you through the process.
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We offer individual and family health insurance plans – both on and off the exchange. We also work with group employer health plans.
For 2015, we have found Aetna/Coventry and United Healthcare to offer some of the most affordable coverage options for our clients in South Carolina.
Both companies offer a large network of doctors and hospitals to choose from. One size does not fit all however. We can help you find the plans that best fit your needs, budget and network preferences. Price is not always the determining factor.
The metal plans to choose from on and off the exchange are Bronze, Silver, Gold and Platinum. Bronze plans are the least expensive and Platinum the most. Silver and Bronze plans are most popular with our clients.
By rule, all plans must cover preventive care for adults and children. No matter the plan you choose, there will be no out of pocket costs for routine physicals, OBGYN visits, well-child care, vaccinations and the like. And all plans must cover maternity as well.
South Carolina opted into the Federal Health Insurance Marketplace. Healthcare.gov is the website to visit if you qualify for a tax credit based on your projected income for 2015. You can still use our agency for assistance however – and at no additional cost.
We can help you navigate the marketplace and understand the methodology behind tax credits. The number of people applying for insurance and your projected income for the current year will affect your subsidy. If your income is below certain thresholds, you may qualify Medicaid.
There are no medical questions to be answered either on or off the exchange. You cannot be turned down for health reasons. Insurance companies can only increase your rates based on tobacco use, but that’s all.
If you are applying outside of open enrollment, then you will need a “qualifying life event” to enroll in coverage. These events might include: involuntarily losing coverage, getting married, giving birth, losing COBRA, etc.
If you find yourself between jobs or if you have a waiting period before your group health insurance begins, we can help. We offer short term policies that can be paid for month to month. Typically the plans will last a maximum of six months and are not very expensive.
It’s important to note that short term health insurance plans do not meet the standards of what is referred to as “Minimum Essential Coverage.” In other words, a short term plan will not help you avoid the Obamacare penalty.
We also offer HSA qualified plans in South Carolina. Typically HSA type health insurance coverage is some of the least expensive available – and it keeps you compliant with the law.
You will have the option of setting up a Health Savings Account and funding it each year up to the IRS mandated limits. Your contributions grow tax deferred and can be withdrawn tax free for qualified medical expenses. The monies always belong to you – not the insurance company.
Contributions are above and beyond any premiums you pay to the insurance company, but the funds are yours. They carry over each year even if they are not used. Should you cancel your health insurance policy later, the monies still belong to you. (Click here to learn more about health savings accounts.)
We are here to help you navigate the world of health insurance. There’s a lot to know and we can help you find the plan that keeps you safely insured and compliant with the law.