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South Carolina Risk Pool - Health Insurance Provided for the Uninsurable

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Acronym or name of the risk pool: South Carolina Health Insurance Pool.

Regulation establishing risk pool: South Carolina code of laws under title 38, chapter 74.

Funding: The programme receives funds from premium payments by members. It is also received from assessments on health plans of companies and HMOs operating in South Carolina.

Plans offered: This risk pool is administered by the Blue cross and Blue Shield of South Carolina. Individual health plans are offered by the company under the risk pool.

Plan benefit: The plan offered by the BCBS in South Carolina has a deductible of $500 and a 20% coinsurance rate which members have to pay after deductibles have been met.

Maximum benefit limits: BCBS of South Carolina has details about the maximum limit.

Eligibility: (1) The person must be a resident of South Carolina for at least 30 days. (2) You must have received a letter rejecting your application or you were offered covers at a higher rate than offered by the state because of a medical condition. (3) The plan being offered to you had a pre existing clause of more than 12 months. (4) Private health insurance was being offered to you but at a rate higher than 150% of the amount of premium being charged by SCHIP. (5) You may also be eligible for SCHIP if you lost a previous cover under a group health plan.

Enrollment periods: Enrollments are taken throughout the year. Contact the Blue Cross and Blue Shield office for details.

Premium payments: BCBS of South Carolina provides you with the details.

Premium calculations: The rate capped is 200% of the standard rate charged by insurance companies in the state.

Pre existing condition waiting period: The Blue Cross Blue Shield office will provide you the plan details.

Contact information: Blue Cross and Blue Shield of South Carolina. I-20 at Alpine road. Columbia, SC292190001. Phone- 8008682500, ext. 42757. Official Website.

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