Showing category "Health Insurance" (Show all posts)
Navigating the individual health insurance super highway has never been more difficult. Health care reform law has created multiple speed bumps, making the decision process more complicated. Not only does the South Carolina consumer need to consider basic options such as co-insurance percentages, deductibles, premium amounts, type of health insurance (PPO, HMO, POS, HSA, Supplement, etc.), one now needs to consider the implications associated with the new health care reform legislation and th... Continue reading ...
Many experts would agree that if you are self-employed in South Carolina, you should purchase a competitive Health Savings Account (HSA) plan. An HSA plan also known as a qualified high deductible plan (QHDHP), is typically lower in premium cost compared to a traditional 80/20 coinsurance plan with a copay and prescription coverage. Health Savings Accounts have many advantages over traditional health insurance plans. 1) HSA health insurance plans have lower premiums and thus are more affordable... Continue reading ...
When filling out a South Carolina health insurance application, be sure to cross all of your T's and dot all of your I's. Read the application thoroughly. Health insurance companies want to accept applications from those people that are of average or better than average health. They do not want to accept applicants that are likely to have large medical expenses in the future. After all, health insurance companies are profit making entities. Inaccurate information on a South Carolina health ins... Continue reading ...
What type of health insurance coverage should I be seeking if I decide I want to become pregnant? Someone deciding to become pregnant would be very fortunate if their employer offered group health insurance. HIPAA laws require employers to cover maternity and offer health insurance coverage to newborns regardless of any preexisting conditions. If you or your spouse work for a company that offers employer-sponsored health insurance benefits, then both mother and baby will be covered. If you or ... Continue reading ...
Buying health insurance can be a complicated task but it does not have
to be that way. Here are some basic tips when it comes to shopping for health insurance in South Carolina.
*Be sure you feel comfortable with the insurance carrier. Your state
Department of Insurance has information on every health insurance
carrier operating in your state. A financially sound insurance company
with a long history in your state is likely to be around tomorrow. The
last thing anyone wants to de... Continue reading ...
The health insurance industry is urging its customers to beware of phony telemarketers pitching health insurance deals. In the wake of healthcare reform, buyers need to be wary of scammers who tell them they need to buy a new health insurance policy because of the new law. The pitches may come in the form of phony e-mails, fraudulent online ads, door-to-door or by way of pushy telemarketers. The scams promise a variety of bogus benefits or enticements such as “medical discount” cards. The ... Continue reading ...
With every new visit you make to the doctor, you will be required to sign a form stating that your doctor’s office has informed you of their compliance of the HIPAA laws. How many times have you signed this document without reading it thoroughly? What you may not understand is that the HIPAA laws are extremely important and have been put into effect to protect you from several things, including being denied care and health insurance coverage, as well as identity theft. Enacted in 1996, HIP... Continue reading ...
For many in South Carolina, health insurance is readily available and provided by their employer or a family member’s employer. Unfortunately for others, health insurance is not readily available or affordable. For these people selecting the right type of health insurance can be quite confusing. These South Carolinians are required to get an individual health insurance plan that is purchased individually, as opposed to through an employer. Most people who need an individual health plan are ... Continue reading ...
Before you apply for health insurance in South Carolina, be prepared with the following information: *Physician's name and most recent date of visit (month/year). *The name and dosage of any prescription medications taken in the past year. *Other information about any current or recent medical conditions, such as date of onset, current status, treatment, prognosis, medications, date of surgeries or hospitalizations (month/year), and names of physicians that provided care. *Payment information, su... Continue reading ...
One of the best ways to save on your prescription drug costs in South Carolina is to ask for generics. Most prescription drugs taken in the United States are available in generic form. A generic drug has the exact strength, safety and active ingredients that the name-brand drug has. Often, a doctor has a vested interest in prescribing name-brand prescription medication. It is not uncommon for pharmaceutical companies to to offer doctors perks such as trips to sell their name-brand drugs. If y... Continue reading ...
Brand-name prescription drugs can be very expensive. If you are prescribed a medication that is not available in generic form, consider using a Canadian pharmacy. Quite often, brand-name medication can be bought from a Canadian pharmacy for a fraction of the price that same drug can be purchased from a pharmacy in South Carolina. Be sure to exercise caution when buying your medication online. There are a lot of fraudulent websites posing as legitimate pharmacies. They promote drastically disco... Continue reading ...
One of the largest expenses associated with healthcare in South Carolina is prescription drugs. In the past, you did not have to be concerned about the expense of drugs because the costs were picked up by your employer leaving you with only a small co-pay of $10 or $15 per prescription. With QHDHP's and HSA plans becoming the preferred individual health insurance, the need for drug discounts is growing. Today, people are more concerned with the expense associated with name-brand prescriptions ... Continue reading ...
As a health insurance agent, people share their medical history with me on a daily basis. Attention deficit disorder, high cholesterol, hypertension and the like are routine admissions I hear every day as a South Carolina insurance agent. Most folks, if they have been alive for more than a couple of decades have a health issue or two. Sharing this information with your insurance agent is important in choosing the proper South Carolina health insurance plan and carrier. A good agent is inf... Continue reading ...
We can all agree that we live in the internet age and that shopping online is fast and convenient. I have to admit that with my busy schedule, I do most of my shopping online. But when it comes to South Carolina health insurance, I recommend contacting a licensed health insurance agent for several reasons: *Health insurance is more complex than it used to be. Because the economy has been struggling for a while, health insurance carriers have had to develop a more diversified portfolio of affor... Continue reading ...
Carolina Care Plan is getting aggressive with their South Carolina health insurance pricing. CCP just added two new health insurance plans to their health insurance portfolio. Beginning January 2010, Carolina Care Plan will be offering a $7,500 deductible and $10,000 deductible health plan to their already competitive individual health insurance plans. CCP understands that South Carolina families are feeling the financial pinch of this economic recession are responding by offering even more a... Continue reading ...
If you are a South Carolina resident looking for an affordable health insurance plan, WellPath may be a good option. A Coventry Health Care company, WellPath is publically traded on the New York Stock Exchange and is financially sound. WellPath currently operates in over 20 states. The health insurance carrier has a respectable presence in South Carolina, particularly along the I-26 corridor. I've noticed that many of the plans offered by WellPath are priced very competitively. In particular, t... Continue reading ...
With the largest network of providers in South Carolina, BlueCross and BlueShield (BCBS) is hard to beat. And because the economy is in shambles, BCBS has developed some very affordable South Carolina health insurance plans. Take for instance the BlueCross and BlueShield Personal Blue Secure plan. This health insurance plan offers solid health coverage at an affordable price. It allows this by offering the South Carolina health insurance consumer the opportunity to choose a higher deductible, ... Continue reading ...
If you are looking for an affordable, comprehensive child health plan in South Carolina, the Carolina Care Kids Plan is the route to go. As a South Carolina life and health insurance agent, I have numerous options when it comes to health insurance for my children. We chose Carolina Care Plan for our children. The decision to go with CCP was simple. Carolina Care Plan's large network gives us the choice to see who we want to see. Choice in doctors and hospitals is very important to us. Because... Continue reading ...
For those looking for affordable, quality major medical health insurance in South Carolina, Carolina Care Plan is a great option. This South Carolina insurance carrier has very comprehensive health insurance plans at an affordable price. In fact, many of the plans are similar to what is offered by BlueCross and BlueShield of South Carolina but for less. Carolina Care Plan or CCP also does not rider out health conditions. In fact, CCP simply rates up for medical conditions. The advantage of thi... Continue reading ...
Thinking About Omitting Health History on a South Carolina insurance Application?
DON’T! In this age of electronic information, life and health insurance carriers operating in South Carolina will uncover all of your health history. The insurance companies have an untold number of resources at their disposal to investigate your health history.
Insuran... Continue reading ...
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South Carolina Life & Health Insurance Agent
| Trey Norwood |
| South Carolina |
Trey Norwood is an independent life insurance and health insurance consultant in South Carolina. He specializes in annuities, long-term care insurance, individual health insurance, group health insurance, life insurance, final expense insurance, Medicare supplement insurance and Medicare Advantage. He provides annuity, long-term care insurance and life/health insurance quotes from top-rated life, health and Medigap insurance carriers operating in South Carolina. Trey Norwood is a recognized expert in the individual health insurance and group health insurance market in South Carolina. If you are self-employed, retired, or just tired of paying too much at work for life and health insurance in South Carolina, Norwood can help.
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