Tag Archives: pre existing

South Carolina Platinum Plan – They DO exist.

27 Oct , 2013,
jtdickerson
, , , , , , , , , , ,
No Comments

2015 Update: South Carolina Platinum Plan

10/03/2015 – We can now confirm that there will be at least one South Carolina Platinum plan offered in EVERY South Carolina county for 2015 on the Health Insurance Marketplace. According to our sources, this will be a PPO based product offered by Assurant. This means that SC residents will now be able to use tax credits to purchase a Platinum level plan

South Carolina Platinum Plan

SC Platinum Plan Quote

through the health insurance marketplce. Our private exchange, which opens on November 15, 2014, will allow customers to apply for tax credits, compare prices and plans, and enroll (in a Platinum plan, if you wish!) in less than 15 minutes!

Stay tuned for more updates. In the meantime, you can find more information about South Carolina Platinum plans in our original article below:

Have you seen the new 2015 South Carolina Platinum Plans? I have heard repeated numerous times in the news and in print, that “Insurance companies are not offering any Platinum plans in South Carolina.”I would like to take a moment to say that THERE ARE, IN FACT SOUTH CAROLINA PLATINUM PLANS OFFERED IN 2014!

Of course, there is a catch – these South Carolina Platinum plans are only offered off of the exchange/marketplace.

What does “off marketplace” mean? Keep reading to find out!

 

What is a South Carolina Platinum Plan?

Platinum plans, as defined by the Affordable Care Act (ACA, or as some say, “Obamacare”) are health insurance plans that have an actuarial value of 90%.  In general, Platinum plans have higher monthly premiums, but lower out of pocket costs. For this reason, South Carolina Platinum plans are more suited to people who expect to go to the doctor often, have regular monthly prescriptions, or expect to have other substantial medical expenditures throughout the year.

Off-Exchange/Marketplace Health Plans

Off exchange plans are plans that are offered outside of the Federal Health Insurance Marketplace.  These plans, starting January 1, 2014, must comply with all of the laws that apply to health plans offered on the Federal Exchange/Marketplace at www.healthcare.gov. Just like plans on the marketplace, qualified health plans purchased outside of the federal marketplace must still cover the 10 essential health benefits as defined by the healthcare reform law. The biggest difference to YOU, the consumer? Anyone who purchases an off-exchange plan cannot qualify for Federal subsidies to offset health insurance premiums. Generally, most South Carolina individuals and families making between 100% and 400% of the Federal Poverty level may be eligible for premium assistance through the Federal Exchange. I personally believe, that in certain situations, many South Carolina residents who are eligible for a subsidy, may be better off forgoing the subsidy and buying an off exchange policy. In addition, many off-marketplace plans use more robust provider networks than those found in marketplace plans. Recently, local South Carolina Newspapers such as the Post & Courier and The State Newspaper published articles about the limited networks for many health plans available on the Federal Marketplace. This is why we recommend working with a South Carolina Obamacare agent to be sure that you choose the plan that best suits YOUR unique needs.

 Who offers South Carolina Platinum Plans?

Of course, as a full service Health Insurance Agency we offer South Carolina Platinum plans through through Assurant Health. Assurant Health offers 2 South Carolina Platinum Plans: CoreMed Platinum 1 and CoreMed Platinum 2. Each of these plans allows the enrollee to select either the CIGNA PPO Network or the Aetna Signature Administrators Network. For benefit summaries for each of the two South Carolina Platinum Plans, click the links below:

                 Assurant Platinum 1                                                                     Assurant Platinum 2

Who is Assurant? Great question. Assurant traces its roots to the founding of the LaCrosse Mutual Aid Association established in LaCrosse, Wisconsin in 1892, formed to provide consumers with disability insurance. Assurant Health now provides quality health care insurance products to customers with an emphasis on individuals who need coverage but are not part of a larger group plan. With a 120-year legacy, the business offers affordable health care products including major medical, supplemental and fixed-benefit plans for individuals, families and small employers. Financial ratings information for Assurant’s various companies can be viewed HERE.

Who should consider a South Carolina Platinum Plan?

Anyone who visits the doctor often, takes many prescriptions, or otherwise has high anticipated medical costs. Our analysis indicates that South Carolina residents under the age of 50 may see the most value in a South Carolina Platinum plan in 2014. In our analysis, many residents with high medical costs were better off paying higher Platinum plan premiums in exchange for much lower out of pocket costs. Please contact us today to help determine if you may be a good candidate for a South Carolina Platinum plan. We can HELP!

Update – 10/28/2013

We really enjoyed this article from the New York Times, especially as it relates to South Carolina Platinum plans :

WITH so much attention being paid to the troubled debut of the Obama administration’s health insurance exchanges, another alternative has largely gone unnoticed: unless you live in Washington, D.C., or Vermont, you can also buy insurance outside the exchanges — by going directly to insurance brokers, agents or company Web sites. Read More Here

Update – 11/12/2013

Platinum plans are 2nd most popular plans on the Kentucky Health Insurance Marketplace!

Young female with pricey tastes: Kentucky Obamacare numbers

If Obamacare data were a horse race, Kentucky would be leading the pack.
Kentucky has released in-depth, demographically detailed information about enrollments in its state-run Obamacare marketplace, setting a high bar for federal authorities to beat when they finally release their own enrollment data from HealthCare.gov later this week for the first time. Read More…

Consumer Reports – “Healthcare.gov? Don’t even bother trying”

22 Oct , 2013,
jtdickerson
, , , ,
No Comments

Yesterday, the Washington times had an article updating the status of healthcare.gov. Consumer reports was quoted as saying “Don’t bother even trying for another couple of weeks”. South Carolina Obamacare Agent shows busy Marketplace

Though I have personally  seen some improvements in the site, I would not argue with consumer reports. As an agency we feel that, though the site is improving, the overall enrollment process is still taking longer than acceptable for most people. This morning, I am happy to report that the document upload feature of the Identity Proofing process seems to be working normally. As of late as last week, the document upload process seemed to be broken – giving an error message that files must be less than 10MB, regardless of actual file size!  Experian is the entity tasked with Identity Proofing for the Federal Marketplace. In addition, failed identity verification errors gave a toll free number to call Experian. However, the error message gave no reference number in our experience. When calling the toll free number to Experian, the caller is required to have a reference number from the Federal Marketplace in order to address the issue. Obviously, this is quite a problem – we hope it is resolved soon. In the meantime, these examples are more reasons why you need a South Carolina Obamacare Agent to help you navigate the new Federal Marketplace!

Read the full Washinton Times Article below:

http://www.washingtontimes.com/news/2013/oct/21/consumer-reports-dont-even-bother-trying-obamacare/

South Carolina Health Plan Enrollment Info

14 Oct , 2013,
jtdickerson
, , , , , , , , , , ,
No Comments

www.schealthconnector.org is your #1 source for South Carolina Health Plan Enrollment Information! CONTACT US today for enrollment assistance!

We are pleased to provide our clients South Carolina enrollment Information to help get enrolled and compare health plans on the new health insurance marketplace. However, please follow the instructions below so that we may properly assist you. Please note that we will not have access to your South Carolina health plan enrollment to work with you if you do not complete the registration properly. As experienced South Carolina agents, we have a state of the art software system that allows up to share computer screens during the health plan enrollment process. This allows you to complete your health plan enrollment at your convenience on your computer, when you want to and where you want to, with the added security of having an expert agent advising you!

For our clients wishing to enroll in a South Carolina health plan on their own, directions below!

South Carolina Health Plan Enrollment Information:

South Carolina Health Plan Enrollment

Log in at http://www.healthcare.gov and register…

When the you are logged in to the healthcare.gov page, you will see a screen labeled,“Help applying for coverage.” On this screen, it is vital that the you enter the following information: agent’s/broker’s name, NPN, and FFM User ID (if the agent/broker has an FFM User ID). Click on the image above to verify information. Accurate entry of our agent’s/broker’s information on that screen will enable the insurance carrier to associate the health plan enrollment with us, your agent/broker.

Our NPN number is 7889453 and our FFM User ID is jtdickerson. Please be sure to enter these codes into the “help applying for coverage” section so that we can access your South Carolina Health Plan enrollment account. Please call us directly if you need assistance or have questions. Be advised that the system is currently overloaded and you may have trouble registering right away. Keep in mind, there is no rush to enroll since all the South Carolina health plans are not effective until January 1st 2014. The cutoff date for January 1st 2014 health plan enrollments is December 15th 2013.

Through our virtual desktop meeting technology, we are happy to serve ALL of South Carolina including: Abbeville County, Aiken County, Allendale County, Anderson County,Bamberg County, Barnwell County, Beaufort County, Berkeley County, Calhoun County, Charleston County, Cherokee County, Chester County, Chesterfield County, Clarendon County, Colleton ,ounty,Darlington County,Dillon County,Dorchester County,Edgefield County, Fairfield County, Florence County, Georgetown County,Greenville County, Greenwood County,Hampton County,Horry County,Jasper County,Kershaw County, Lancaster County,Laurens County, Lee County, Lexington County, Marion County,Marlboro County,McCormick County, Newberry County,Oconee County,Orangeburg County, Pickens County,Richland County,Saluda County, Spartanburg County, Sumter County, Union County, Williamsburg County, York County

South Carolina Health Plans and Pre-Existing Conditions

27 Sep , 2013,
jtdickerson
, ,
No Comments

Beginning on October 1, 2013 South Carolina residents will be able to begin enrolling in new qualified health insurance plans and receive subsidies to help pay for their health insurance plan premiums. In addition, as part of the new Affordable Care Act, insurance companies can no longer deny people based on their health. Even if you have major ongoing health issues, insurance companies will not be able to deny you coverage or charge you more for pre-existing conditions. These new guaranteed issue health insurance plans will begin as soon as January 1,2014. If you need help enrolling in one of these new plans contact us today!