Tag Archives: SC

2015 Health Insurance Shopping Tips

29 Sep , 2014,
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2015 Health Insurance Shopping Tips

With the upcoming health insurance open enrollment starting on November 15, 2015, it is important that everyone take some basic steps to ensure that they make an informed decision on their health insurance plan for 2015.

South Carolina Platinum Plan

Many things have changed since the last open enrollment, new plans, new pricing, new networks, and don’t forget, the penalty for not buying coverage in 2015 will increase to 2% of your income! At the end of this article we have presented a variety of helpful links for those of you who wish to do your own research. With that said, let’s take a look at we have assembled as our list of  2015 Health Insurance shopping tips for South Carolina residents:

1. GET HELP – Navigators, Health Insurance Agents, & Certified Application Counselors can all help you complete your health insurance enrollment for 2015. Of course, as an independent agent, I am biased towards recommending EVERYONE use an agent. Agents are licensed by their respective state, and are the only assisters that are legally allowed to discuss, compare, and give advice on health insurance plans. Agents are also available year round to help you navigate changes in circumstances which may affect your health plan eligibility. Of course, enrollment assistance is always FREE. It is illegal for anyone to charge you a fee for enrollment assistance. /insurance companies are not allowed to charge you more for enrolling thru an agent or navigator!

2. BE PREPARED – BASIC INFORMATION – You can get enrolled faster if you have all necessary personal information handy when you start shopping. Household income information, Social security numbers, dates of birth and full legal names of everyone applying is a MUST! Having reasonable estimation of your household income will help your agent or assister determine if you may qualify for a tax credit.

3. BE PREPARED – PRESCRIPTION INFORMATION – All health insurance plans have a formulary of covered drugs. A formulary is simply a list that states which drugs are covered, and what coverage tier each drug falls under.

2015 Health Plan shopping tips

Have Rx info handy when preparing to enroll!

Having a list of your prescriptions handy when enrolling can be helpful when shopping for a plan.

4. BE PREPARED – PROVIDER INFORMATION – Having a list of you or your family’s doctors, specialists and preferred hospitals on hand can be VERY helpful. When I am helping enroll someone, I always take the time to see if your providers are in network. Simply having the doctor or facility’s name is usually sufficient for me to do a quick network search. I have run across many South Carolina residents that enrolled on their own without checking networks first. Many of these people were unhappy to find out a provider or hospital they use is not in their network. As an independent agent, I can quickly help you determine which plan is right for you based on the providers you prefer!

2015 Health Insurance Shopping Tips

Avoid hassle and lost time! Use a Private Exchange to enroll in a health plan!

5. SAVE TIME – As anyone who watches the news knows, applying through www.healthcare.gov could be a tedious process during the last open enrollment. A lengthy application process, combined with technical glitches and a website burdened by high traffic loads made the 2014 enrollment process difficult for everyone. For the 2015 open enrollment period, we have a couple of new enrollment options. First are issuer based pathways, where you can apply directly from an insurance company website. The downside to this is you can only enroll in plans sold by the insurance company website you are visiting. The second option are Web Broker Entities, also commonly referred to as “Private Exchanges”. You can view our private exchange HERE. A Private Exchange has all of the functionality of healthcare.gov and lets you apply for tax credits and enroll in a plan without creating an account at healthcare.gov. The Private Exchange actually uses a secure connection to healthcare.gov to confirm tax credits and plan enrollment. We like to refer to it as the faster, more efficient  “back door” to healthcare.gov! Our private exchange system allows most people to enroll in under 10 minutes!

This concludes our 2015 health insurance shopping tips for today! Have a tip of your own or a question? Leave us a comment!


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

Coventry now has MUSC in the Tier 1 network in the Charleston metro area plans

22 Nov , 2013,
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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!!!!

Coventry MUSC Tier 1