Monthly Archives:January 2014

Smoking Cessation coverage: Obamacare

23 Jan , 2014,
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Smoking cessation coverage: Obamacare. Many of the new Qualified Health Plans sold on the federal health insurance marketplace website include smoking cessation prescription coverage! In 2013, Americas Health Rankings ranked South Carolina 38th in the nation of states whose population smokes. The American Heart Society reports that “You probably know about  the relationship between smoking and lung cancer, but did you know smoking is also linked to heart disease, stroke and other chronic lung diseases?  Smoking can also increase your risk for cancer of the bladder, throat and mouth, kidneys, cervix and pancreas”

Smoking Cessation Coverage: Obamacare. Check the formulary!
Smoking Cessation coverage: Obamacare

This is a screenshot of the Coventry 2014 prescription drug formulary showing covered smoking cessation drugs.

Smoking Cessation coverage: Obamacare

This shows an Rx formulary that may cover smoking cessation drugs at NO cost to the consumer!

Smoking cessation programs and prescriptions will vary by insurance company. For instance, Coventry Health plans offered in South Carolina include coverage for prescription drugs such as Chantix and Nicoderm CQ under the prescription drug card benefit! Many 2014 health insurance plans will have varying smoking cessation coverage under Obamacare. Some plans available in South Carolina cover many smoking cessation prescriptions with a $0 copay, while others may require copays as high as $55 or more! If you need help finding a 2014 South Carolina health plan with comprehensive smoking cessation coverage, contact us today or view 2014 South Carolina Health exchange quotes on or website anytime! If your New Years resolution is to quit smoking, we can help you find a health insurance plan that can work with you to achieve your goal! You can also check out our 2014 Health Plan formularies page to see how smoking cessation coverage under Obamacare varies by plan! As your federally certified South Carolina Obamacare Agent, we can help you find a plan that can help you quit smoking! Call, tweet, email, or like us today for help!!!

Get Obamacare South Carolina: A video tutorial

9 Jan , 2014,
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Get Obamacare South Carolina: We can help!

If you need to get Obamacare in South Carolina during the 2013-2014 open enrollment season, we can help! Our new video series will help you complete the initial steps needed to get Obamacare South Carolina and get enrolled in a 2014 health insurance plan on healthcare.gov. Our team at schealthconnector.org can help you with your Obamacare enrollment from start to finish via our remote meeting service! As a certified South Carolina Obamacare agent and North Carolina Obamacare agent, we can help you in ways that Navigators cannot. As a marketplace certified agent, we can make recommendations and comparisons regarding your health plan options. Having been licensed in the health insurance agency for over 10 years, we have the experience to help you make the right choice when you decide to get Obamacare in 2014.

Get Obamacare South Carolina: Subsidy eligibility

When you log in to healthcare.gov, the first step to complete your enrollment is to complete the subsidy application process. This process will determine if you are eligible for either of 2 types of health insurance subsidies. The first subsidy, known as Advanced Premium Tax Credits (APTC for short) is a subsidy that may reduce the monthly cost of your insurance. The second type of subsidy is known as a cost sharing reduction subsidy (or CSR for short). The CSR comes in 3 different “flavors” and may reduce your out of pocket costs on health care services such as doctor and hospital visits, as well as prescription drug costs. It is IMPORTANT to note, that if you qualify for a CSR, YOU MUST ENROLL IN A CSR ELIGIBLE PLAN to receive your CSR subsidy! If you need help determining which SC Obamacare plans are CSR eligible, please feel free to contact us for help!

Get Obamacare South Carolina: Choosing a Plan

Once you have completed the subsidy eligibility process, it is time to choose a plan! At this point we recommend you contact us directly for assistance.

Get Obamacare South Carolina

We can help you get here!

As many people are well aware, the cheapest health insurance plan may not be the best plan for your specific health care needs. We can help you determine which plan best suits your individual needs, whether you need a higher deductible with lower costs, more comprehensive coverage, or coverage that includes specific doctor and hospital systems as in network providers. Need access to the Medical University of South Carolina? We can help you select a plan with MUSC in network! Worried about the hospital in your neighborhood being covered by your plan? Let us help you do a network provider search! Need a plan with out of network benefits? We can help!

SC Insurers not Cancelling Coverage

8 Jan , 2014,
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This information comes to us from the South Carolina Department of Insurance, you can read the full press release here. Have questions about your current coverage? Contact us today for help! Of course, please note that this list does not include Carolina Care Plan / Medical Mutual of Ohio!

In November 2013, a temporary reprieve was announced to permit the renewal of non-grandfathered health insurance plans that would otherwise be modified or terminated as a result of the 2014 market reforms provided for in the Patient Protection and
Affordable Care Act. The South Carolina Department of Insurance worked with carriers to prevent further market disruption and provide guidance to issuers interested in participating in this transitional relief policy.

Obamacare delayed in SC

As a result of this action, 11 carriers with non-grandfathered policies covering 143,000 individuals in South Carolina elected to participate in transitional relief. Below is a
listing of companies (including phone numbers for consumer inquiries) that have elected to participate in the transitional relief plan and, thus, will offer individual and/or small group policyholders the opportunity to renew their non-grandfathered health
plan for an additional year. Pursuant to federal requirements, this offer is only applicable to non-grandfathered health plans that were in effect as of October 1, 2013 and that are renewed between January 1 and October 1, 2014.
Tips for Consumers: Participating carriers are required to provide notice to policyholders of the opportunity to renew their coverage under this transitional policy, so consumers should expect to hear directly from their carrier if they are offering renewal
of non-grandfathered plans.

Consumers are encouraged to contact their carrier with questions regarding whether they may continue their existing coverage. The Department’s Office of Consumer Services may be reached at 1 (800) 768-3467 for


BlueCross BlueShield of South Carolina Individual & Small Group
For Individuals: For Small Groups:
1 (800) 868-2500 ext. 46401 1 (800) 868-2500 ext. 41010
BlueChoice Health Plan of South Carolina Individual & Small Group
1 (866) 280-0766
Connecticut General Life Insurance Company* Individual
1 (877) 345-6756
Golden Rule Insurance Company* Individual
1 (800) 657-8205

Humana Insurance Company* Individual

1 (877) 222-0650

John Alden Life Insurance Company Small Group
1 (800) 328-4316
Mid-West National Life Insurance Company Individual
1 (800) 527-5504
The MEGA Life and Health Insurance Company Individual
1 (800) 527-5504
Time Insurance Company Small Group
1 (800) 328-4316
UnitedHealthcare Insurance Company Small Group
1 (888) 842-4571
UnitedHealthcare Insurance Company of the River Valley