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Monthly Archives:October 2019

AMBETTER HEALTH INSURANCE FLORENCE COUNTY 2020

23 Oct , 2019,
jtdickerson
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BIG NEWS for residents of Florence County South Carolina for 2020! Beginning November 1, 2019 Ambetter Health Insurance Florence County will be available for marketplace enrollment! Whether you live in Florence, Lake City, Johnsonville, Timmonsville, Effingham, or Pamplico you will have a NEW option for individual health insurance on the marketplace for 2020 – Ambetter Health Insurance!

Ambetter Health Insurance in Florence County 2020

NEED HELP shopping for 2020? Click here to see all available plans (2020 rates now available!) or call 843-882-7062 and ask for an appointment with the “SC Health Connector” – we are a local, independent agency that works for YOU!

WHO IS AMBETTER HEALTH INSURANCE?

Ambetter from Absolute Total Care is Centene Corporation‘s Health Insurance Marketplace product for South Carolina. Centene Corporation is a multinational Fortune 500 company with over 30 years of experience in the Managed Care industry and a robust portfolio of specialty health solutions. Centene currently operates in 32 states and 3 international markets. Centene currently has 52,000 employees and 15+ million managed care members.

WHY AMBETTER HEALTH INSURANCE 2020?

As we recently reported, sample rates released by the South Carolina Department of Insurance look very favorable! (UPDATE: 2020 rates now avaiable) Sample rates suggest that Ambetter Health Insurance Florence County 2020 marketplace rates may be very competitive in 2020! In fact, for some Silver plans, Ambetter Health Insurance 2020 rates are up to 50% lower than current marketplace plan rates. But the rates don’t tell the whole story! In fact, decreasing silver plan premiums may affect your current tax credit eligibility on the marketplace! If you need marketplace health insurance for 2020, Ambetter may provide a lower cost option than your current coverage. However, it is always important to pay attention to plan details, such as network providers and prescription coverage, before enrolling. CLICK HERE to view Ambetter Health Insurance 2020 rates (rates available now!). Regardless, it is very important that you review all marketplace options for open enrollment 2020. We can help!

Based on network listings, it appears that Ambetter expects to have MUSC Florence Medical Center (in addition to the entire MUSC system), Lake City Community Hospital, and Tidelands Georgetown Memorial Hospital in network for 2020. As always, whenever possible, please check with your insurer as to the network status of any provider before seeking medical treatment.

AMBETTER HEALTH INSURANCE FLORENCE COUNTY 2020 PLANS – EARLY LOOK

For 2020, Ambetter will offer 3 Ambetter Bronze plans, 9 Ambetter Silver plans, and Ambetter 2 Gold plans in Florence County.

AMBETTER HEALTH INSURANCE FLORENCE COUNTY 2020 bronze plans
AMBETTER HEALTH INSURANCE FLORENCE COUNTY 2020 silver plans
AMBETTER HEALTH INSURANCE FLORENCE COUNTY 2020 bronze plans
SC Health Insurance marketplace rates

Plan summary:

All 2020 Ambetter Plans are HMO plans. An HMO is a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.

Ambetter Bronze Plans available in Florence for 2020 will include 3 offerings (click plan name to view Summary of benefits):

  1. Ambetter Essential Care 1
  2. Ambetter Essential Care 1 + Vision + Adult Dental
  3. Ambetter Essential Care 2 HSA

Ambetter Silver Plans in Florence for 2020 will include 9 offerings :

  1. Ambetter Balanced Care 12
  2. Ambetter Balanced Care 11
  3. Ambetter Balanced Care 5
  4. Ambetter Balanced Care 11 + Vision + Adult Dental 
  5. Ambetter Balanced Care 5 + Vision + Adult Dental
  6. Ambetter Balanced Care 15
  7. Ambetter Balanced Care 14
  8. Ambetter Balanced Care 15 + Vision + Adult Dental
  9. Ambetter Balanced Care 14 + Vision + Adult Dental

Ambetter Gold Plans in Florence for 2020 will include 2 offerings :

  1. Ambetter Secure Care 5
  2. Ambetter Secure Care 5 + Vision + Adult Dental 

AMBETTER SC Health Insurance plans Expanding in Marketplace for 2020!

14 Oct , 2019,
jtdickerson
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Updated October 15, 2019 to include new plan information!

Big news for South Carolina residents shopping for marketplace health insurance in 2020!

Ambetter SC health insurance - shop now for 2020 plans and prices
Click the button above to view Ambetter SC health insurance plans and prices!

Ambetter by Absolute Total Care will be expanding their health insurance footprint in South Carolina for 2020! This will provide South Carolina residents in 11 counties with more health insurance options for 2020!

Ambetter SC Health Insurance 2020: Where?

Ambetter first offered plans in SC for 2019, covering only Charleston County. For 2020, Ambetter will offer plans in 12 South Carolina Counties: Beaufort, Berkeley, Charleston, Chester, Colleton, Dorchester, Florence, Horry, Jasper, Lancaster, Marion, and York.

For a full list of marketplace plan offerings by county from the South Carolina Department of Insurance, CLICK HERE

Ambetter SC Health Insurance 2020: Plans

For 2020, we expect Ambetter to offer 2 Gold plans, 9 Silver Plans, and 3 Bronze Plans in most South Carolina counties: For plan year 2020, Gold plans will be branded as “Secure Care”. Silver plans will be branded as “Balanced Care”. Bronze plans will be branded as “Essential Care”.

In many areas, we expect the Ambetter SC Essential Care 2 (HSA) plan to be the lowest cost plan Ambetter offers. The Essential Care 2 plan is expected to be a Qualified High Deductible Health Plan (HDHP) eligible for use in conjunction with a health savings account (HSA). See below for a partial listing of proposed plan details, however, please refer to the complete Summary of Benefits (SOB) available from Ambetter or the health insurance marketplace for complete plan coverage and exclusions:

Ambetter SC health insurance Essential Care 2 HSA 2020
Ambetter SC Health Insurance 2020 Bronze Plans Comparison

For 2020, we expect the Balanced Care 11 Plan to be the one of the most popular Silver Plans offered by Ambetter SC health insurance. The base Balanced Care 11 plan is expected to have a $6000 deductible and an $8100 out of pocket maximum limit. In addition, the Balanced Care 11 will have various Cost Share Reduction levels (CSRs) for qualifying enrollees. See below for proposed details, however, please refer to the complete Summary of Benefits (SOB) available from Ambetter or the health insurance marketplace for complete plan coverage and exclusions:

Ambetter South Carolina health Insurance Balanced Care 11 2020
Ambetter SC Health Insurance 2020 Silver Plans Comparison
Ambetter SC Health Insurance 2020 Silver Plans Comparison

Ambetter Bronze Plans available in South Carolina for 2020 will include 3 offerings (click plan name to view Summary of benefits):

  1. Ambetter Essential Care 1
  2. Ambetter Essential Care 1 + Vision + Adult Dental
  3. Ambetter Essential Care 2 HSA

Ambetter Silver Plans in South Carolina for 2020 will include 9 offerings :

  1. Ambetter Balanced Care 12
  2. Ambetter Balanced Care 11
  3. Ambetter Balanced Care 5
  4. Ambetter Balanced Care 11 + Vision + Adult Dental 
  5. Ambetter Balanced Care 5 + Vision + Adult Dental
  6. Ambetter Balanced Care 15
  7. Ambetter Balanced Care 14
  8. Ambetter Balanced Care 15 + Vision + Adult Dental
  9. Ambetter Balanced Care 14 + Vision + Adult Dental

Ambetter Gold Plans in South Carolina for 2020 will include 2 offerings :

  1. Ambetter Secure Care 5
  2. Ambetter Secure Care 5 + Vision + Adult Dental 

New for 2020! Enhanced Benefits!

For plan year 2020, Ambetter SC health insurance plans will have some great improvements! First, Ambetter has increased the My Health Pays benefit to $500 per member. My Health Pays is a program that rewards members for health behavior. The program uses a My Health Pays Visa card. Member can earn reward dollars for healthy behavior such as a Well Being Survey, an annual Well Visit, and getting a flu shot in the Fall. The annual Well Visit will be at no cost to the member, provided that the member visits an in-network provider. Rewards will be loaded onto the My Health Pays Visa card upon completion of the healthy actions.

In addition, Ambetter SC health insurance plans will offer telehealth with a $0 copay (except for HSA qualified plans) for 2020. To access $0 copay telehealth, members will need to use Teledoc, by calling 1-800-TELADOC (1-800-835-2362) or by going online to www.teladoc.com/ambetter. Ambetter SC health insurance members will need to have their member ID card handy when calling.



Ambetter South Carolina 2020: Network

For 2020, Ambetter has expanded their network of providers in South Carolina. When comparing health insurance plans, it is always important to check the provider network to ensure you can visit the providers you desire.

You can search the Ambetter South Carolina network by CLICKING HERE: https://providersearch.ambetterhealth.com/

A few notable hospital systems in South Carolina in network for 2020 include: MUSC, East cooper Medical Center, Piedmont Medical Center , Trident Medical Center, among others. As always, please verify the network status of any provider before seeking benefits.

Molina Health Insurance Clarendon County 2020

10 Oct , 2019,
jtdickerson
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BIG NEWS for residents of Clarendon County South Carolina for 2020! Beginning November 1, 2019 Molina Health Insurance Clarendon County will be available for marketplace enrollment! Whether you live in Manning, Alcolu, Paxville, Summerton, or Turbeville, you will have a NEW option for individual health insurance on the marketplace for 2020 – Molina Health Insurance!

Molina Health Insurance in Clarendon County 2020

NEED HELP shopping for 2020? Click here to see all available plans (2020 plans available soon!) or call 843-882-7062 and ask for an appointment with the “SC Health Connector” – we are a local, independent agency that works for YOU!

Who is Molina Health Insurance?

Molina Healthcare, Inc., is a FORTUNE 500 company (recently ranked 168 of 500), providing managed health care services under the Medicaid and Medicare programs and through the state insurance marketplaces. Molina was founded in 1980 by an emergency room physician, C. David Molina, MD, who noticed that low-income, and uninsured patients were coming to the emergency room in need of general health care services. Without family doctors, they were not always getting the right care and information. These under served families deserved better and Dr. Molina set out to do something about it. In 2014, Molina first began serving member in South Carolina, By 2015, Molina had grown to 3.5 million members. Through its locally operated health plans, Molina Healthcare served approximately 3.4 million members as of June 30, 2019. As part of the expansion into Clarendon County South Carolina, Molina Health Insurance will cover 200 counties nationwide in 2020.

Why Molina Health Insurance 2020?

As we recently reported, sample rates released by the South Carolina Department of Insurance look very favorable! Sample rates suggest that Molina Health Insurance Clarendon County 2020 marketplace rates may be very competitive in 2020! In some areas, Molina Health Insurance 2020 rates are up to 16% lower than current marketplace plan rates. But the rates don’t tell the whole story! In fact, decreasing silver plan premiums may affect your current tax credit eligibility on the marketplace! If you need marketplace health insurance for 2020, Molina may provide a lower cost option than your current coverage. CLICK HERE to view Molina Health Insurance 2020 rates (rates available soon!). Regardless, it is very important that you review all marketplace options for open enrollment 2020. We can help!

We have also, just been advised that Molina expects to have McLeod Regional Medical Center and The Regional Medical Center of Orangeburg & Calhoun Counties In-Network for 2020.

Molina Health Insurance Clarendon County 2020 Plans – Early Look

Updated 10/10/2019

For 2020, Molina will offer Bronze, Silver and Gold plans in Clarendon County. We expect Molina to offer 2 Bronze Plans, 8 Silver Plans, and 1 Gold Plan in each county in South Carolina for 2020. The two Molina Bronze Plans will consist of a High and Low option, branded “Core Care Bronze”. The 8 Molina Silver Plans will be branded “Constant Care Silver”. The one Molina Gold Plan will be branded “Confident Care Gold”.

We anticipate Molina will offer a number of plans with a vision benefit using the VSP network. Please note that vision benefits may not be considered “Essential Health Benefits” by the health insurance marketplace. This means you may have to pay an additional premium for Vision benefits, as an Advanced Premium Tax Credit (APTC) cannot be applied towards non-essential health benefits.

Molina Health Insurance Colleton County 2020

Oct , 2019,
jtdickerson
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BIG NEWS for residents of Colleton County South Carolina for 2020! Beginning November 1, 2019 Molina Health Insurance Colleton County will be available for enrollment! Whether you live in Walterboro, Edisto Beach, Cottageville, Smoaks, Jacksonboro, Willtown Bluff, Green Pond, or Islandton, you will have a NEW option for individual health insurance for 2020 – Molina Health Insurance!

Molina Colleton County

NEED HELP shopping for 2020? Click here to see all available plans (2020 plans available soon!) or call 843-882-7062 and ask for an appointment with the “SC Health Connector” – we are a local, independent agency, based out of Charleston that works for YOU!

Who is Molina Health Insurance?

Molina Healthcare, Inc., is a FORTUNE 500 company, providing managed health care services under the Medicaid and Medicare programs and through the state insurance marketplaces. Through its locally operated health plans, Molina Healthcare served approximately 3.4 million members in 15 states as of June 30, 2019. Molina was founded in 1980 by an emergency room physician, C. David Molina, MD, who noticed that low-income, and uninsured patients were coming to the emergency room in need of general health care services. Without family doctors, they were not always getting the right care and information. These under served families deserved better and Dr. Molina set out to do something about it. In 2014, Molina first began serving member in South Carolina, By 2015, Molina had grown to 3.5 million members. As part of the expansion into Colleton County South Carolina, Molina Health Insurance will cover 200 counties nationwide in 2020

Why Choose Molina Health Insurance in 2020?

As we recently reported, sample rates released by the South Carolina Department of Insurance look very favorable! Sample rates suggest that Molina Health Insurance Colleton County 2020 may be very competitive in the marketplace! In some areas, Molina Health Insurance 2020 are up to 16% lower than current plan rates. But the rates don’t tell the whole story! In fact, decreasing silver plan premiums may affect your current tax credit eligibility! If you need marketplace health insurance for 2020, Molina may provide a lower cost option than your current coverage. CLICK HERE to view Molina Health Insurance 2020 rates (rates available soon!). Regardless, it is very important that you review all marketplace options for open enrollment 2020. We can help!

We have also learned that Molina expects to have The Medical University of South Carolina (MUSC) and The Regional Medical Center of Orangeburg & Calhoun Counties In-Network for 2020.

Molina Health Insurance Colleton County 2020 Plans – Early Look



For 2020, Molina will offer Bronze, Silver and Gold plans in Colleton County. We expect Molina to offer 2 Bronze Plans, 8 Silver Plans, and 1 Gold Plan in each county in South Carolina for 2020. The two Molina Bronze Plans will consist of a High and Low option, branded “Core Care Bronze”. The 8 Molina Silver Plans will be branded “Constant Care Silver”. The one Molina Gold Plan will be branded “Confident Care Gold”.

We anticipate Molina will offer a number of plans with a vision benefit using the VSP network. Please note that vision benefits may not be considered “Essential Health Benefits” by the health insurance marketplace. This means you may have to pay an additional premium for Vision benefits, as an Advanced Premium Tax Credit (APTC) cannot be applied towards non-essential health benefits.

Stay tuned for more breaking information on Molina Health Insurance Colleton County 2020 marketplace plans!



Molina Health Insurance Lexington County 2020

Oct , 2019,
jtdickerson
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Molina Health Insurance in Lexington County 2020

UPDATE 10/22/2019 – 2020 Molina Health Insurance plan rates are now available on our Quote Page! CLICK HERE to view 2020 Molina Health Insurance Lexington County 2020 plans!

BIG NEWS for residents of Lexington County South Carolina for 2020! Lexington County residents will have a new choice for marketplace health insurance in 2020. Beginning November 1, 2019 Molina Health Insurance Lexington County will be available for enrollment! Whether you live in Lexington, Cayce, Chapin, Gilbert, Batesburg-Leesville, Gaston or Swansea, you will have a NEW option for individual health insurance for 2020 – Molina Health Insurance!

NEED HELP shopping for 2020? Click here to see all available plans (2020 plans available soon!) or call 843-882-7062 and ask for an appointment with the “SC Health Connector” – we are a local, independent agency that works for YOU!

Who is Molina Health Insurance?

Molina Healthcare, Inc., is a FORTUNE 500 company, providing managed health care services under the Medicaid and Medicare programs and through the state insurance marketplaces. Molina was founded in 1980 by an emergency room physician, C. David Molina, MD, who noticed that low-income, and uninsured patients were coming to the emergency room in need of general health care services. Without family doctors, they were not always getting the right care and information. These under served families deserved better and Dr. Molina set out to do something about it. In 2014, Molina first began serving member in South Carolina, By 2015, Molina had grown to 3.5 million members. Through its locally operated health plans, Molina Healthcare served approximately 3.4 million members as of June 30, 2019.

Why Molina Health Insurance 2020?

As we recently reported on this blog, sample rates released by the South Carolina Department of Insurance look very favorable! Early rates suggest that Molina Health Insurance Lexington County 2020 may be very competitive in 2020! In some areas, Molina Health Insurance 2020 are up to 16% lower than current plan rates. But the rates don’t tell the whole story! We have also learned that Molina may have Lexington Medical Center in network for 2020! In fact, decreasing silver plan premiums may affect your current tax credit eligibility! If you need marketplace health insurance for 2020, Molina may provide a lower cost option than your current coverage. CLICK HERE to view Molina Health Insurance 2020 rates (rates available soon!). Regardless, it is very important that you review all marketplace options for open enrollment 2020. We can help!

Stay tuned to this page for updates about Molina Health Insurance plans for 2020 in Lexington County!

UPDATE: Molina 2020 Lexington Health Plans Early Look

Updated 10/10/2019CLICK HERE TO VIEW ALL SC PLANS

For 2020, Molina will offer Bronze, Silver and Gold plans in Lexington County. We expect Molina to offer 2 Bronze Plans, 8 Silver Plans, and 1 Gold Plan in each county in South Carolina for 2020. The two Molina Bronze Plans will consist of a High and Low option, branded “Core Care Bronze”. The 8 Molina Silver Plans will be branded “Constant Care Silver”. The one Molina Gold Plan will be branded “Confident Care Gold”.

We expect Molina will offer a number of plans with an additional vision benefit using the VSP network. Please note that vision benefits may not be considered “Essential Health Benefits” (EHB) by the health insurance marketplace. This means you may have to pay an additional premium for Vision benefits, as an Advanced Premium Tax Credit (APTC) cannot be applied towards non-essential health benefits. However, we expect each category of plans (excluding Gold) to offer plans without the additional Vision benefit.

Update 10/22/2019 – we have been informed that Lexington Medical Center is expected to be IN NETWORK for 2020 Molina Health Insurance Plans. As always, please confirm the in-network status of any provider before seeking care!

2020 SC Marketplace Health Insurance rates released by SCDOI

9 Oct , 2019,
jtdickerson
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Today, the South Carolina Department of Insurance (SCDOI) has released 2020 SC marketplace health insurance rates for plans available through the health insurance marketplace! This release has quite a few unexpected surprises! In fact, our detailed analysis has determined that quite a few SC counties may experience a MAJOR SHIFT for 2020 SC Marketplace Health Insurance rates.

NEED HELP shopping for 2020? Click here to see all available plans (2020 plans available soon!) or call 843-882-7062 and ask for an appointment with the “SC Health Connector” – we are a local, independent agency that works for YOU!

Molina 2020 SC Marketplace Health Insurance rates

As reported last month by The Post and Courier, Molina has entered the South Carolina market in 20 counties for 2020. The initial 2020 SC marketplace health insurance rates provided by the SC DOI seem to indicate that in Charleston County, Molina has significantly under priced BlueCross BlueShield of SC – in some instances by nearly double digits! We anticipate this will have a profound impact on BCBS Silver plan members, and may affect many members currently enrolled in ZERO PREMIUM Bronze plans.

According to the SC DOI Molina will offer plans for 2020 in 20 South Carolina counties.

Aiken, Allendale, Bamberg, Barnwell, Calhoun, Charleston, Clarendon, Colleton, Dillon, Edgefield, Fairfield, Kershaw, Lee, Lexington, McCormick, Marion, Marlboro, Orangeburg, Saluda, and Williamsburg.

Currently, Charleston county is the only Molina County that we have sample 2020 SC Marketplace Health Insurance rates for. However, based on initial data, it will be imperative that SC residents the aforementioned counties actively renew their plan for 2020, as rate impact could significantly affect their monthly health plan cost!

Ambetter 2020 SC Marketplace Health Insurance rates

In addition, as reported by this blog in August, Ambetter by Absolute Total Care, has also expanded in South Carolina for 2020. For 2019, Ambetter operated in only Charleston County. Generally, Ambetter was not very competitive on SC marketplace health insurance rates for 2019. According to the latest SC Department of Insurance release, Ambetter will offer plans in the following 12 South Carolina counties for 2020:

Beaufort, Berkeley, Charleston, Chester, Colleton, Dorchester, Florence, Horry, Jasper, Lancaster, Marion, and York.

Based on preliminary SC DOI data, Ambetter appears to under price BCBS-SC in the Silver Plan category for Charleston and York counties. Ambetter appears to be more competitive for Silver plans in York county, than coastal areas. In all areas, BCBS appears to be more competitive on Bronze plans.

Bright Health Plans 2020 SC Marketplace Health Insurance rates

New to South Carolina for 2020, Bright Health will offer individual marketplace plans in Anderson, Greenville, and Pickens counties. Sample 2020 SC marketplace health insurance rates from the SC DOI seem to indicate that Bright is very competitive in the Silver Plan market. BCBS-SC seems to be more competitive in the Gold and Bronze plan space, based on preliminary data.

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