South Carolina Health insurance for individuals, families and the self-employed
Finding South Carolina health insurance can seem impossible. If you’re one of the millions of Americans who buys their own health coverage, individual health coverage can offer you a confusing array of options. Cheap health insurance isn’t always the best, and here’s the thing: health coverage isn’t cheap if it doesn’t cover your expenses when you need it most.
Thanks to the recently passed health reform legislation, the landscape is changing for consumers. Millions of uninsured will soon have access to quality, low-cost Charleston health insurance. Their biggest challenge? Knowing their options so they can choose the right coverage.
There are essentially two types of health insurance plans: indemnity plans (fee-for services) or managed care plans. The differences include the choice of providers, out-of-pocket costs for covered services and how bills are paid. There is no one “best” plan for everyone. Some plans are better than others for you or your family’s health care needs, but no one plan will pay for all the costs associated with your medical care.
South Carolina Health insurance policy rates are based on a variety of different criteria and risk factors, some of this criteria may included:
- Current health and medical history
- Medications taken
- Family medical history
- Tobacco use (any kind of tobacco)
- Habits and hobbies
- Driving record