Great news! We have recently learned that the Coventry health plans offered through the Federal Marketplace in Charleston, Berkeley & Dorchester counties now have the Medical University of South Carolina contracted in the Tier 1 network! We confirmed this earlier in the week with our Coventry sales representative. But don’t take our word for it! Check out the screenshot below of a Tier 1 network hospital search from the Coventry website. The Post & Courier recently reported that Coventry had an exclusive contract with Roper St. Francis, however, made no men.tion of MUSC participating in the Tier 1 network. As your #1 South Carolina Obamacare agent, we work hard to bring you the most up to date information during the 2014 open enrollment season!
If you found this, or any other information on the site helpful, please feel free to choose us as your agent during your healthcare.gov enrollment. When filling out your application online, you can add me as your agent in Section 3, titled “Help Applying for Coverage” – select Agent/Broker and enter the following information: Name: Joshua Dickerson, NPN: 7889453, FFM ID: jtdickerson. As your agent we can coordinate with your insurer of choice to insure that your enrollment application is complete and processed correctly. We are licensed and appointed with all insurers on the federal exchange/marketplace in South Carolina. Need help applying on the Federal Marketplace? We can help! Contact us today to schedule a virtual meeting where we can get you logged into healthcare.gov and assist with your enrollment from the comfort of your own home. Our agency uses join.me to create secure virtual meetings to assist South Carolina residents applying on the federal marketplace. Why wait? The marketplace is NOW WORKING for most applicants!!!!
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
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:
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…
Last weekend a new link/page was added to www.healthcare.gov. This link is titled “See Plans Now” (see image below – you can click to enlarge). This new feature claimed to let users view plans and rates in their area.
Unfortunately, the information provided via this tool is incorrect for nearly all users. Why, you ask? Because the healthcare.gov rate calculator does not estimate rates based on your exact age. Instead, the it simply asks if you are older/younger than age 49.
In the next image, you can see that when you choose to “”See Plans Now” you are simply asked if you are “49 or younger” or “50 or older”. Not exactly a great baseline for calculating health plan rates.
For this exercise, I chose Charleston County, SC as my area of residence, and selected “Age 49 or younger”. Of course, I am 35 years old, and my exchange application is still being delayed for Identity verification (2 weeks and counting). So it seems reasonable that I may want to browse rates on the federal exchange while my Identity Verification is processing. Of course, after completing the required information about myself and my family status, I was given a list of every plan available in Charleston county, SC. Unfortunately, the rates given were much lower than what my ACTUAL rates are, based on my South Carolina Health Exchange Rates quote engine! See the image below for the rates I was given:
As you can see, the healthcare.gov plan finder tool gave me estimated rates of $230.27 for the CoventryOne Silver $10 Copay Roper St Francis Plan.
Actual Results: Real numbers from SChealthconnector.org
So after viewing the rates over at healthcare.gov, I proceeded to run quotes for myself here on the schealthconnector.org South Carolina Health Exchange Rates page. As expected, my ACTUAL premium was much higher than that given by healthcare.gov $268.50 (See image below – click to enlarge). IN the age of Google, Amazon & Ebay, it seems obvious that transparency should be the #1 priority for a consumer website – hopefully our government can do much better- and SOON!
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:
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
Beginning October 1, 2013, many South Carolina residents will be able enroll in a Qualified Health Plan (QHP) through the new Health Insurance Marketplace. Many South Carolina residents will also qualify for health plan subsidies to help pay for health insurance premiums.
Of course, choosing and enrolling in a Qualified Health Plan is a very important decision! Once you choose a plan, you will be “locked in” until the next open enrollment. Whether you live in Greenville, Charleston, Florence, or Aiken, WE CAN HELP you choose the health insurance plan that works best for you! We are certified by CMS as Federal Facilitated Marketplace agent/brokers. By working with a certified agent, you will receive expert advice at NO EXTRA COST to you! All health insurance premiums are set by the State and Federal government, and insurers cannot charge more for working with an agent.
For 2014, South Carolina will have 4 insurance carriers offering Qualified Health Plans: Bluecross Blue shield of SC, Bluechoice SC, Coventry, and Consumers Choice Health plan. Although health plan designs will follow ACA guidelines, health plan offerings from each of these carriers will vary greatly in many respects. One of the biggest differentiators between plans will be networks. Some plans will have very strict, HMO style networks, with limited choices of providers. Many HMO style plans may not allow out of network benefits – this is a very important consideration when choosing a plan! In addition, some plans may offer individual only coverage – this could present additional deductibles and out of pocket costs for families. Once again, I must stress that these factors make working with an agent imperative. Feel free to contact us directly for help, or if you just have some questions – we are here to help!