South Carolina Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable South Carolina health insurance. And where are thousands of people getting the information they need? At! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding South Carolina health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in South Carolina with the health of residents who live in other states.

This article will provide you with all the information needed about South Carolina health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

South Carolina Individual and Family Health Insurance
South Carolina does not regulate the types of individual or family health insurance policies that are written or regulated by insurance companies. South Carolina health insurance companies are allowed to design their own policies and they may choose whatever options they wish to offer- including benefits, co-insurance limits, deductibles. Some benefits, such as mammography, are mandated by the state. For individual health plans, all insurance companies in South Carolina have the right to deny coverage to any person based on their current or past health history. If you are applying for individual health coverage and you have a pre-existing medical condition, the South Carolina health insurance company has different actions they can take concerning your application. Firstly, they may categorically deny you all medical insurance coverage. Secondly, they may offer you coverage but refuse to cover any medical expenses related to the pre-existing condition. Thirdly, they may offer you full coverage, including coverage for the pre-existing condition. The insurance company makes this determination usually based on the severity of the pre-existing condition and also the estimated costs anticipated to maintain and treat the condition. These pre-existing conditions can be excluded for up to 24 months in a new policy. South Carolina health insurance companies are not required to give credit for prior insurance coverage.

South Carolina Group Health Insurance
To qualify for South Carolina health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer South Carolina health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under South Carolina health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of South Carolina health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

South Carolina COBRA Insurance
COBRA insurance coverage, as outlined in South Carolina health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that South Carolina health insurance is available to those who are between jobs, COBRA coverage can be applied for 18 months to those who meet eligibility requirements. There are certain exceptions to that time frame. Eligible dependents can be covered by COBRA for 36 months, and disabled people can keep coverage for 29 months. COBRA is an extension of your previous South Carolina health insurance plan, and if your former employer decides to discontinue coverage for employees, your coverage will also end. Once COBRA benefits are ended, further South Carolina health insurance can be obtained through the South Carolina Comprehensive Health Insurance Association (ACHIA).

South Carolina Health Information and Statistics
If you are in the market for quality South Carolina health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how South Carolina ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in South Carolina are high immunization coverage, moderate per capita public health funding, and a low prevalence of binge drinking. South Carolina also faces many challenges, such as a high infant mortality rate, a high rate of violent crime, and a low high school graduation rate.

According to a 2008 study, South Carolina had some significant changes over the past year. These include a decrease in the incidence of infectious disease of 11% and an increase in the percentage of children in poverty of 35%. In the last five years, the rate of uninsured population increased by 36%. Since 1990, the rate of deaths from cardiovascular disease declined by 31%.

Following is a variety of statistical data related to living in South Carolina, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing South Carolina health insurance.

  • Prevalence of Smoking-36th
  • Prevalence of Obesity-44th
  • Violent Crime-50th
  • Children in Poverty-42nd
  • Air Pollution-37th
  • Cancer Deaths-38th
  • Lack of Health Insurance-34th
  • Prevalence of Binge Drinking-14th
  • Infant Mortality-45th
  • Infectious Disease-43rd
  • Premature Death-44th

Overall Rank: 48
Change: -6