Health Insurance Carriers in South Carolina (SC)
South Carolina’s rules on health insurance
providers and plans are specific to the state. For more information
on the options available to you, check out the links provided
below as well as the details on South Carolinian insurance regulations
below. When you are ready, request your personalized quote free of charge.
Health Insurance regulations differ from state to
state, and the carriers that offer health care coverage in South
Carolina have different plans and options. We hope you will find
this resource informative and useful. First, review the list of
carriers we recommend in South Carolina and click the links to
learn more about them. Second, review basic information about
South Carolina Health Insurance regulations and laws at the bottom
of this page.
Get more information on health insurance >>
Health Insurance Providers in South Carolina
Assurant Health (Formerly Fortis)
BlueCross BlueShield of South
Carolina
Celtic
Clarendon National
Fairmont Specialty Group/TIG
Golden Rule
Principal Life
Security Life
Group Health Insurance in South Carolina
- Eligible applicants may not be denied group
coverage or charged more because of health issues.
- If applicants are late enrolling, providers may deny coverage
based on health issues.
- Life changes related to family or job loss entitle policy
holders to more insurance opportunities.
- Newborn, adopted, and disabled kids have the opportunity
for special coverage.
- Employers may require a waiting period for new employees.
- Providers may review medical records for the six months
prior to coverage.
- In the case of a pre-existing condition, providers may
impose an exclusion period of up to 12 months.
- If continuous coverage has been maintained without a break
longer than 63 days, creditable coverage is available.
Small Business Health Insurance in South Carolina
- Small businesses with fewer than 50 employees
may not be denied coverage or cancelled based on health problems
within the employee group.
- There are cost limits for small group insurance.
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more information
>>
Self-Employed Health Insurance in South Carolina
- The self-employed may not purchase small
group insurance.
- Contact the South Carolina Department of Insurance for
regulations concerning business or professional associations offering
group coverage.
South Carolina Department of Insurance
300 Arbor Lake Drive, Suite 1200
Columbia, SC 29223
www.doi.state.sc.us
Individual Health Insurance in South Carolina
- Individual health coverage may be denied
based on health.
- Policies bought with a comprehensive form application
may have an exclusion period of up to 24 months or have an elimination
rider attached to the policy.
- Applicants who applied with a simplified form, the rules
are different. Contact the South Carolina Department of Insurance
for details.
- HMOs may review medical records for the 12 months prior
to coverage and may require an exclusion period of up to 12 months
on pre-existing conditions.
- Pregnancy may be classified as a pre-existing condition,
but not genetic information.
- There are no limits on the cost of premiums or at the
time of renewal.
- However, coverage may not be cancelled because of sickness.
South Carolina Health Care Programs
Assistance for low income individuals and
families is available to residents through Medicaid, Best Chance
Network, and other South Carolina programs.
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more information >>
