South Carolina Health Insurance (SC)
Choose from the list below to learn more about specific health insurance providers in South Carolina. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.
Health Insurance Providers in South Carolina (SC)
Individual Health Insurance in South Carolina(SC)
Individual health insurance can be denied due to a health problem. Insurance bought with a comprehensive form application can impose a maximum of 24 months for an exclusion period or can attach an elimination rider to the policy. If you filled out a simplified form, the rules are different and you should contact the South Carolina Department of Insurance for regulations. HMOs are allowed to review your records for the 12 months prior to coverage and can impose an exclusion period of 12 months maximum on pre-existing conditions. Pregnancy can be considered a pre-existing condition, but genetic information cannot. There are no limits on the cost of a premium and no limits at the time of renewal. However, your policy cannot be cancelled due to illness.
Group Health Insurance in South Carolina (SC)
Group health insurance regulations provide that qualified individuals cannot be denied group coverage or charged more due to a health problem. However, if applications are late for enrollment, the insurance companies are allowed to refuse coverage due to a medical condition. There are several life changes relating to children, marriage, family problems, or job loss that will entitle you to more opportunities for group insurance. Newborn, adopted, and disabled children are allotted special coverages, provided dependents are covered under the group policy. New employers may require a waiting period for group coverage. Insurance companies are allowed to review your medical records for the six months prior to coverage. If you have a pre-existing condition, the insurance company can impose an exclusion period of no more than 12 months. If you have maintained insurance coverage, with no breaks of 63 days or more, you are entitled to creditable coverage.
Small Business Health Insurance in South Carolina (SC)
Small businesses with two to 50 employees cannot be turned down for insurance and cannot be cancelled due to illness in their employee groups. There are also slight limits on the cost of small group insurance.
Self-Employed Health Insurance in South Carolina (SC)
The self-employed are not allowed small group health insurance in South Carolina. For regulations that govern business or professional associations that have group health coverage, it is recommended you contact the South Carolina Department of Insurance.
South Carolina Department of Insurance
300 Arbor Lake Drive, Suite 1200
Columbia, SC 29223
South Carolina Health Programs (SC)
South Carolina Health Insurance Pool provides insurance to individuals who are HIPAA eligible or who cannot get insurance otherwise. Assistance for low income individuals and families is available to residents through several programs, for example: Medicaid, Best Chance Network, and other South Carolina programs.