With health insurance costs purported to rise 8 to 10 percent in the next year, it is important — now more than ever — to find affordable South Carolina health insurance.
The silver lining in the health insurance cloud is that InsureMe is here to provide you with up to five free South Carolina health insurance quotes to make shopping fast and easy. Give us a call or apply online for your five free quotes today!
Some Eye-Opening Statistics:
Are there still affordable options available to me?
Yes! The state of South Carolina is going to great lengths to make sure that their residents are insured. Read on to see what South Carolina is doing for you.
Encouraging Information about South Carolina Health Insurance:
If you are insured under a group policy (such as through your employer), coverage cannot be denied or limited to you because of your health status. This practice is called nondiscrimination.
Most South Carolina insurance policies are guaranteed renewable and cannot be cancelled due to a change in health status.
If you leave your job, it is possible to remain on your old group plan for a limited time. This is called COBRA or state-continued coverage. State-continued coverage can help you while you shop for a new South Carolina health insurance policy or wait for a new one to start.
How long does COBRA coverage last?
According to the U.S. Department of Labor, your COBRA coverage can last up to 18 months but cannot be renewed.
Is my employer required to offer South Carolina health insurance?
There is no federal or state law requiring employers to provide health coverage.
Are group policies regulated by the South Carolina Department of Insurance?
Most policies are self-funded and fall under the laws of the U.S. Department of Labor. You can contact them with questions at 404-562-2156.
My children are currently without South Carolina health insurance. What are my options?
If your children are under 18 years of age, you may be able to find coverage for them with South Carolina's Partners for Healthy Children Program. You can contact them toll free at 888-549-0820.
I applied for individual health insurance and was turned down. How can I obtain South Carolina health insurance?
It is important to note that your individual health insurance can be turned down if you have pre-existing conditions. If you find yourself in this situation you can get coverage through the South Carolina Health Insurance Pool (SCHIP) by contacting them at 800-868-2500, extension 42757.
Will SCHIP cover my entire family?
No. Each family member must qualify for his or her own SCHIP coverage. Feel free to call 803-898-2500 for more information on SCHIP and additional assistance with South Carolina health insurance.
How can I save money on South Carolina health insurance?
If possible, buy group health insurance. If your employer doesn't offer health insurance, look to other groups and clubs you belong to, as they are also eligible to purchase a small group policy.
You also need to know what is included in your policy — such as any extras than can be taken out for a lower premium. Coverage areas like vision, dental and mental health can usually be removed without much risk.
Remember that personal South Carolina health insurance policies are guaranteed renewable so buying your policy now — even if you are healthy — is a surefire way to make sure you are covered later, when you might not be enjoying good health.
Find the Policy You Need Today!
Don't wait for that injury or illness to surprise you. Enter your information to the right and let InsureMe find you the most affordable South Carolina health insurance today.