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South Carolina health insurance
Having a health insurance that takes care of your health care needs is an important part of preparing for the future. If you are a resident of South Carolina and are looking for a health insurance plan, you have come to the right place. We will provide you with all the information you need before you go for a health insurance plan, whether private or state sponsored.
Individual health insurance in South Carolina
The state of South Carolina allows the process of medical underwriting without any restrictions. This means that an insurance carrier may refuse your applications for health insurance simply because he is dissatisfied with your health status or other factors. If you are going for an HMO type of plan, you will have to go through a look back period of 12 months and an exclusionary period of the same time. For other plans, the company may have an unlimited look back period and a 24 month exclusionary period.
If you are an individual looking for health insurance, you will need to consider factors like deductibles, co payments and co insurances before you opt for a plan. These considerations will decide whether you should go for HMO, PPO or POS type of plans. Also remember that you should consider the benefits being offered by the plan. These should be suitable for you.
Group health insurance in South Carolina
The employer sponsored plans have been on the increase in the recent years. This has been due to the fact that more people are realizing the benefits of having a health insurance plan and also because groups plans are cheaper than individual ones.
Medical underwriting can be legally undertaken in the state of South Carolina. The rate is based on plus or minus 25% of the indexed rate which is based on health status and other factors. The carrier can impose a look back period of 6 months and an exclusionary period of 12 months on a person who did not have prior health covers.
South Carolina coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of South Carolina. This law states that a company employing more than 20 people has to continue covers for an employee who, for some reason, is no longer employed with the company. The covers should be extended to his family also.
South Carolina Medicaid plans
Medicaid plans are also offered in the state of South Carolina Under this state and federal sponsored program, health plans are offered to people who have a low income, a disability or are pregnant, they are also offered to residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, on condition that they meet certain income requirements.
South Carolina also offers the Partners for Healthy Children health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top South Carolina Health Insurance Carriers
Our service is the best way for you to secure the most suitable South Carolina health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find South Carolina Health Insurance
Our process is easy, quick and free. You just have to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive quick quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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