Archive for the ‘Uncategorized’ Category

What is the Advantage of an HMO? What is the Disadvantage?

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An HMO (“Health Maintenance Organization”) is a health insurance plan that is designed to care for members health within a specific network of medical providers.

In a typical HMO, you specify a primary care doctor who is your first call for medical care. Visiting a specialist typically requires a referral from this primary care doctor, and …

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What is Bright Health Plans? A New Health Insurance Option in Greenville

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Bright Health recently announced that it was expanding into South Carolina in 2020, where it will offer plans in Greenville, Anderson, and Pickens Counties.

This expansion, subject to regulatory approval, is part of a larger expansion strategy that will see Bright Health’a overall footprint include 12 markets in 22 states.

We don’t yet know any details about …

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What is the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA)?

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You may have heard about some upcoming changes to Medicare supplement plans.

Will Plan F go away?

Let us take just a minute to give you an overview of what you need to know about the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA).

MACRA is a federal law that takes effect January 1, 2020, that affects …

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What is Reference-Based Pricing?

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You’re probably going to begin hearing about “Referenced Based Pricing” for group health insurance plans. And for good reason – it could be a great way to save a lot of money on healthcare (and health insurance) costs.

No Networks

The entire point of a provider network is negotiated pricing. An insurance company contracts with hospitals and …

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What is BlueRewards from BlueCross BlueShield of SC?

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Here’s a chance to actually get money back from your insurance company! BlueRewards is something you’re going to want to jump on if you can.

BlueCross BlueShield of South Carolina rolled out the BlueRewards program in 2019 for members with individual health insurance policies.

Members can earn up to $150 per year for doing …

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What is a Pre-Existing Condition

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This is an irrelevant question when we’re talking about Obamacare-compliant health insurance plans. The Affordable Care Act guarantees coverage that includes pre-existing conditions (at the same price).

But if Obamacare isn’t an option because you missed Open Enrollment, you’ll need to look at alternatives like short-term health insurance.  And a short-term health plan isn’t going …

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Walmart Pharmacy and BlueCross BlueShield

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UPDATE: Walmart and CVS Caremark have reached an agreement, and Walmart will remain in their pharmacy network. So ignore what’s below!

Walmart has announced that their pharmacy will be leaving the CVS Caremark pharmacy network. This will impact policyholders with BlueCross BlueShield of South Carolina and BlueChoice HealthPlan (among many other insurance companies who …

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The most popular Obamacare plan in South Carolina: “Bronze 4”

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What’s easily the most popular Obamacare plan in South Carolina?

If you’re not sure which BlueCross BlueShield plan to pick, check out Bronze 4.

Bronze 4 is the plan that the majority of our clients in South Carolina wind up selecting. It’s actually the one we selected for ourselves too.

Why? Because it provides good copay benefits for …

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The BlueChoice HealthPlan Comprehensive Copay

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We often tell our non-subsidy clients that BlueChoice is the best value for the money when it comes to a traditional, Obamacare-compliant health insurance plan.

The primary reason for that is the all-inclusive, comprehensive copay.

What Does Comprehensive Copay Mean?

Fair question! With a BlueChoice copay, members who visit a participating provider in the Blue Option network will …

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Obamacare 2019 in South Carolina

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Open Enrollment for individual health insurance plans runs from November 1st to December 15th.

No need for alarm – you can do this! And we’re here to help. 

As you’ve probably heard, there have been some changes to some of the rules regarding the Affordable Care Act. But most of it remains unchanged, including:

Essential Benefits. Marketplace plans …

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