Health Insurance
Health insurance is offered through many carriers however the carrier we first recommend in every instance is Blue Cross Blue Shield of SC.
No matter who you are or how different your needs may be, Blue Cross Blue Shield has a plan just for you. Both individual and group insurance policy holders have use of the Blue Cross Blue shield network of over 9,000 doctors and every hospital in the state to choose from. When you choose from this network there are no claims to file and the provider has already agreed to accept a negotiated amount for the services they provide. You will not be billed for the difference. Your only responsibility is your chosen deductible, co-insurance and co-pay.
Individual Health Insurance
Offering a multitude of individual health plans you will find freedom, freedom to design your own plan options, freedom to choose your doctors and hospitals and freedom to make changes when changes are needed. Individual health insurance is perfect if you are self employed, work at home, are between jobs, do temporary work, do not have coverage through your employer's group health plan, no longer are covered under your parents plan or just graduated from school.
If you are under 65, and a permanent resident of South Carolina you may qualify for coverage. To find out more about BlueCross BlueShield of South Carolina individual insurance, you can click on the BlueQuoteSM link or call our office direct.
Group Employer Based Insurance
Blue Cross Blue Shield offers a preferred provider organization (PPO) that lets members choose their own doctors, hospitals and specialists. Your employees have two options after meeting the annual deductible:
- In network the member pays the selected coinsurance amount and BlueCross pays the allowed difference. Example, member pays 20% coinsurance, BlueCross pays the 80% balance.
- Out of network the member pays the selected coinsurance amount and BlueCross pays allowed difference. Example, member pays 40% coinsurance, BlueCross pays the 60% balance.
Network doctors file claims electronically for members, saving your employee the time and hassle of claim filing.
Employees have access to their personal online account by registering with My Insurance Manager at www.SouthCarolinaBlues.com. They can then view claims status, explanations of benefits, check eligibility, read benefits and coverage information, verify authorization status for inpatient and outpatient visits and check their deductibles and out-of-pocket status. They can ask questions via e-mail, request new ID cards, and more.
One of the best features is the ability to go anywhere you like and still have full use of your health insurance benefits. Across the country or around the world employees have the peace of mind of knowing that they're covered if they get sick or injured. Benefits are paid the same, home or away just by showing their BCBS card.
Other features include:
| Prescription drug plans | Physical Therapy | |
| Maternity coverage | Life insurance | |
| Dental | Mental health coverage | |
| Transplants | Inpatient & Outpatient rehabilitation |
Plus... Value-added discount programs offering discounts on alternative medicines, hearing aids, Laser vision surgery and vision care.
To find out more about group-employee based insurance on groups of 2 or more call our office.
Preferred Blue is a registered mark of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans
Short Term Major Medical Insurance
When you find yourself in a position that leaves you without health insurance, whether starting a new job, between jobs, whatever the reason this is the coverage for you. Going without health insurance puts you at grave financial risk. This policy, aptly named Short-term insurance offers you temporary health coverage. You select from the following:
- Coverage terms of 30, 60, 90, 120, 150, or 180 days
- Choice of deductible
If you are between the age of 1 and 65, not pregnant, a South Carolina resident and U.S. citizen and have not been turned down for health insurance coverage within the last five years and currently are not covered by any other healthcare policy you can pay a one time premium and have peace of mind. The peace of mind that comes from knowing you are protecting both your health and finances.
To find out more about coverage and exclusions, check rates or apply for coverage call our office.
Medicare Supplements, Advantage Plans and Part D
Blue Cross Blue Shield of SC has been in the business of insuring seniors for over 50 years. Dedicated to the needs of seniors and making sure that the products offered are affordable Blue Cross is the leader in senior products. Some plans offer features such as automatic claims filing, monthly bank draft payments, and the use of the Blue Cross network of hospitals and doctors. Seniors can continue to enjoy the same level of care they received while working. Some policies are guaranteed renewable-as long as you pay the premiums. While information on these products can be received on-line we recommend a personal consultation with Ed Davis to assure that you are getting all the coverage you need-at a price you can afford. Call our office for an appointment today.
Disability Insurance
When faced with a life's crisis, as we all are at one time or another it is comforting to know that our income is safe. That allows us the time to deal with our crisis without losing all that we have worked for.
Disability insurance can be employer based or purchased as a stand alone product. Either way monthly benefits are paid directly to you allowing you to continue to live in the style you have become accustomed to while dealing with life's crisis. When you realize what is at risk, and the cost to insure it you will agree that this insurance should be part of every families emergency preparedness kit. Call our office for more details.
Long Term Care Insurance
We are an aging society, outliving every other generation with life spans ever increasing. Long term care insurance is designed to protect the assets you have accumulated over your life and allow you the funds needed when ill or incapacitated. Most people think of this as nursing home care, and it is, but it is much more.
You only have four choices when ill or incapacitated; use your own assets to afford care, look to family for care, if indigent look to the state or long term care insurance. Most people value their independence and want to protect it. Ask these three questions of yourself:
- Do you want to stay in control of your health care?
- Is financial security a priority for you and your family?
- Is maintaining your dignity important?
If so, you have good reason to consider long term care.
This insurance is offered by many carriers and with many options to choose from. More benefits are being added constantly to accommodate the ever changing needs of our aging population. The only way to find the plan that will fit your individual needs is a personal consultation. We invite you to explore your options by calling our office for an appointment. Your personal consultation will include a look at products offered by many different carriers, and a promise to find the one that is right for you.
Employee Benefit Packages
In today's market place employee retention is paramount to success, and hiring the most qualified person usually involves an enticing benefits package. Offering group health insurance along with a package of supplemental benefits gives your company a professional advantage.
You the employer can redistribute the cost of providing supplemental benefits using payroll deduction, shifting this cost from you to your employees. The employees welcome the benefits and appreciate the ability to voluntarily select the products that best fit their needs.
Employees select from a pre-determined array of products; life insurance, cancer and dreaded disease insurance, short and long term disability, hospital indemnity insurance and more.
Taking the time to develop a fringe benefit package pays off in employee retention. Call our office to find out more.
Annuities
Retirement Plans, 401K and IRA Rollovers
Like it or not, fear is one of the deciding factors in making long term retirement plans. We have been programmed to believe that the sky is falling. If you listen to the media it seems that every investment is risky, every CEO is a crook and there are no safe investments left.
Some agents make decisions on how best to invest their client's money based on the commission they will earn. Many captive agents have quotas to meet or a sales manager standing behind them pushing a particular product. You have safe investment options, you just are not always informed of their existence.
Just like lifestyles, there is not a one fits all retirement plan. We all have different needs, wants, desire's. The only way to plan for your future is to spend time with an professional that knows which questions to ask, who will take the time to understand your plans for the future, and who is not commission or quota oriented.
Everyday a new product is introduced to the marketplace. One of the most complimentary things you can say about your agent is that he really understands both your needs and the products he sells. Let's spend some time together planning your future.
Ed