In March 2010 the government passed The Affordable Care Act, also known as Obamacare. People have been divided about the pros and cons of this policy. However the benefits are clear: everyone must have health insurance, people who have existing conditions can now be covered for health insurance and not charged exorbitant rates to do so, and there are subsidized programs through the government to help those who cannot afford health insurance.
You can get South Carolina health insurance from your job, from your spouse’s job, independently, or through the Marketplace for your state that has been set up by the government. If you have insurance through your job that has always been the insurance of choice. Group insurance has been available to workers whether they had a existing condition or not, they could not cancel someone for using too much insurance, and the cost was usually minimal.
The same can be said for getting insurance through your spouse’s place of employment. It could be a little bit more expensive but you are covered no matter what. Usually the payments for South Carolina health insurance are deducted from your spouse’s paycheck every week or two.
When you have to get insurance on your own you need to speak with an insurance agent so they can help guide you to the right plan. If you are a young and healthy male you can get by with a high deductible, something that has moderate co-pays and some emergency room care.
Families who already have children and may be thinking of having more children will need a completely different plan. They will need lower co-pays for more frequent doctor visits, maternity care, and plenty of ER co-pays available.
A single woman will need a plan that has woman’s well care in place. That way she can get regular mammograms, pap tests, and birth control. Everyone’s plan is different. A good South Carolina health insurance agent can help put you into the right healthcare plan for you.
You also should know the difference between an HMO and a PPO. The HMO requires you to get referrals from your primary care provider for every procedure you have done. You should also make sure that all of the doctors you currently have are in your network of providers.