Archive for the ‘Uncategorized’ Category

Proposed Rate Increases for 2018 Obamacare Plans in South Carolina

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BlueCross BlueShield of South Carolina is the only health insurance company that participates in the Obamacare Marketplace in the Palmetto state.

So when they file for a significant increase, it’s big news for people who buy individual health insurance in South Carolina.

According to the Charleston Post and Courier, BCBS has filed for a 33% rate increase …

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Missionary Insurance for Short-Term Mission Teams

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Is your church or organization sending out short-term mission teams this year?

What will happen if something goes wrong or a team member becomes injured or ill?

Many people don’t realize that most health insurance plans don’t travel very well. That’s why experienced travelers never leave the country without a travel insurance plan. The good news is …

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Coventry Leaves Georgia, South Carolina, and Other States

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Coventry didn’t participate in the Marketplace in 2017, but there may still be some policyholders out there who bought policies a couple years ago.

Coventry has made clear that they will no longer be offering individual health insurance products in Georgia or South Carolina (or a bunch of other states — AR, AZ, CT, FL, IL, KS, …

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Is short-term health insurance a good alternative to Obamacare?

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We get questions like this all the time.

In fact, we’re having more and more conversations that go something like this:

“I just can’t afford these monthly prices anymore – especially for a plan with a really high deductible!”
“I’m not sure the Obamacare plans are worth the price we’re paying.”
“There’s got to be a better option, right?”

Short-term …

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BlueChoice Dropping EpiPen Coverage

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Attention BlueChoice HealthPlan members in South Carolina: You need to be aware of a couple of changes to your prescription drug coverage.

Pharmacy coverage is one of the most complicated aspects of managing your health insurance plan.

The cost of prescription drugs is often very high (astronomical, even), and this can lead to difficult decisions on the …

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What if you can’t afford your deductible?

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A survey released last year uncovered an incredible statistic:

64% of Americans with a high deductible health insurance plan delayed medical care because they didn’t want to or could not pay their deductible. 

Frankly, while it’s a bit alarming, it is not at all surprising. After all, deductibles and out-of-pocket costs keep getting higher as families and employers …

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What is a Medicare Supplement plan?

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To understand Medicare Supplement plans, let’s take just a moment to make sure we’re clear on Medicare itself:

Medicare Part A essentially covers hospitalization.
Medicare Part B basically covers doctor visits and other outpatient services.

Together, Medicare Part A and Part B are what is typically described as “Original Medicare” or standard Medicare. Most people are automatically enrolled …

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Is health-sharing a good alternative to Obamacare?

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If you’re looking for answers to this question, we’re going to assume you’re broadly familiar with the concept of a health-sharing ministry.

If you’re not, this is a good place to get a brief overview.

Health-sharing ministries are experiencing rapid growth as thousands of people are seeing them as a more affordable alternative to Obamacare health insurance.

Here …

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Quick Facts about Short-Term Health Insurance

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Open Enrollment for individual health insurance is over for 2017.

Every year we hear from people who need health insurance outside of Open Enrollment. In certain circumstances you can qualify for a “Special Enrollment Period,” but otherwise Obamacare will not be an option.

So what can you do?

For many people, a short-term health insurance plan is the best option. …

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How to Get Dental Reimbursement from BlueCross BlueShield of SC

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Does your health insurance plan give you any help with dental costs?

If you have a “BlueEssentials” plan with BlueCross BlueShield of SC (and if you have a Marketplace plan, it’s with BCBS), your plan includes a little bit of help with costs related to preventive dental care.

All BlueEssentials plans include dental allowances for adults and …

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