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Charleston Health Insurance ~ Find the Right Coverage at the Right Price

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Charleston Health Insurance is a unique health care insurance marketplace. By simply entering your presonal zip code into our health insurance database, you are able to find the major health care providers in your area. Then you can compare as many as you'd like to find the best price for just the right amount of coverage.

What is the best way to save money on health insurance? Compare health insurance quotes from multiple companies with Charleston Health Insurance Quotes! Charleston Health Insurance works with the country’s largest health insurance provides to provide you with quotes online. Just enter your zip code above and we will provide you with a list of local providers that can get you your quotes in minutes.

Healthcare and health insurance costs are high, you can begin lowering your costs by using our providers. If you’d like to learn more about health insurance before signing up, you can visit the Affordable Care Act website at www.healthcare.gov. There are many resources to read and help you make informed decisions. If you already know and are ready to purchase medical insurance, then enter your zip code to find out how you can save on health insurance.

How do you find the best health insurance rates and the best coverage? Let Charleston health insurance quotes help you. Just select as many carriers or companies as you would like to compare to find the right plan for you.

 Understanding your Health Insurance Needs

Finding health insurance for you can be overwhelming, but trying to be certain that you find the right insurance for your family can be a priority for you. Don’t do it alone. Researching health insurance online one website at a time can take weeks to get all the information you need. Our service helps you by placing all your local insurance providers in one convenient location and allows you to compare as many quotes and policies as you would like. Don’t pay too much for health insurance for you or your family, get free, online health insurance quotes from Charleston Health Insurance.

 Finding the Lowest Health Insurance Rates

Saving money on health insurance begins with you. You know better than anyone if you are in good health or if a family member may have a pre-existing condition. By knowing this you can help determine the kind of coverage you and/or your family needs. Only you know what you are willing to spend on medical insurance. Please read below to see what types of insurance plans fit your needs, HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), HDHP (High Deductible), or Catastrophic Health Insurance. They all have their benefits and advantages. It’s just a matter of finding the right fit for you. HMO’s are usually less expensive than PPO’s, although with HMO’s you are usually required to stay in the network of doctors. With PPO’s you may pay a little more but have many choices in your health care providers.

Determining the right medical coverage for you depends on your own assessment of your health. If you tend to be active and lead a healthy lifestyle, you may consider a High Deductible plan or HMO. Or, you may need health insurance only for major medical events, in which a Catastrophic plan may be your perfect match. Typically, the higher you’re deductible the less you pay, just like your car insurance. (Which we also provide, just select auto insurance from the drop down menu after you complete your health insurance quotes…).  You can also save money by not purchasing health insurance coverage’s or prescriptions that you don’t need.

Be considerate of your current situation as well as the near future. Some things change and need to be considered, such as possibly needing maternity coverage if you’re planning on having children soon or maybe your son or daughter is going to begin after school sports, such as football or cheerleading. The best plan is to be prepared for anything while not paying too much for things you don’t need. Hospital bills are known by everyone to usually seem excessively large and can be financially overwhelming. Having the right health insurance plan can help you in your most desperate times and protect your assets from large medical bills. Don’t put you or your family’s financial future in jeopardy.

See how we can save you money today on your health insurance. Get a free, online health insurance quote today. Just start with your zip code.

 Different Kinds of Health Insurance Plans

Different types of health insurance plans meet different needs. When you compare options, it's important to understand how they are structured.

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided. HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.  

Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)

These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of- network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral. If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.  

High Deductible Health Plan (HDHP)

High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. As of 2013, HDHPs are plans with a minimum deductible of $1250 per year for individual coverage and $2500 for family coverage. If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health Insurance Plan
A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher. This means you must pay thousands of dollars out-of-pocket before full coverage kicks in. In the Marketplace, catastrophic plans are available only to people under 30 and to some low-income people who are exempt from paying the fee because other insurance is considered unaffordable or because they have received "hardship exemptions". Marketplace catastrophic plans cover 3 annual primary care visits and preventive services at no cost. After the deductible is met, they cover the same set of essential health benefits that other Marketplace plans offer. People with catastrophic plans are not eligible for lower costs on their monthly premiums or out-of-pocket costs.

 Individual and Family Health Insurance Companies in South Carolina

blue cross blue shield health insurance
Blue Cross Blue Shield

The Blue Cross and Blue Shield Association is a national federation of 37 independent, community-based and locally operated Blue Cross® and Blue Shield® companies. The Association owns and manages the Blue Cross and Blue Shield trademarks and names in more than 170 countries and territories around the world. The Association grants licenses to independent companies to use the trademarks and names in exclusive geographic areas. The Association also operates several business initiatives in support of the Blue Cross and Blue Shield companies and represents the Blue System in national forums. In this role as a national association, BCBSA is responsible for advancing Blue Cross and Blue Shield interests in legislative and regulatory initiatives in Washington, D.C., as well as coordinating legislative, regulatory and political strategy for the Blue System.

Blue Cross and Blue Shield Companies

Operating and offering healthcare coverage in all 50 states, the District of Columbia and Puerto Rico, the 37 Blue Cross and Blue Shield companies cover more than 105 million Americans. Nationwide, more than 96% of hospitals and 92% of professional providers contract with Blue Cross and Blue Shield companies — more than any other insurer. Blue Cross and Blue Shield companies offer a variety of insurance products to all segments of the population, including large employer groups, small business and individuals. The Blues® currently serve 85% of Fortune 100 companies and 76% of Fortune 500 companies. Moreover, the Blues have enrolled more than half of all U.S. federal workers, retirees and their families, making the Federal Employee Program the largest single health plan group in the world.

  • Thirty-seven independent and locally operated Blue Cross and Blue Shield companies and the Blue Cross and Blue Shield Association (BCBSA) comprise the Blue Cross and Blue Shield System, the nation’s oldest and largest family of health benefits companies.
  • Blue Cross and Blue Shield companies provide healthcare coverage for more than 105 million people — one-third of all Americans — in all 50 states, the District of Columbia and Puerto Rico.  Blue Cross and Blue Shield companies represent the full spectrum of healthcare coverage.
  • Nationwide, more than 96% of hospitals and 91% of professional providers contract directly with Blue Cross and Blue Shield companies.
  • The Blue Cross and Blue Shield companies enroll in the Federal Employee Program (FEP) — the largest privately underwritten health insurance contract in the world — more than 5.3 million federal government employees, dependents and retirees. 
  • Blue Cross and Blue Shield companies have partnered with the federal government to process Medicare fee-for-service claims and payments since the program’s inception in 1965. 
  • In FY 2011, Blue Cross and Blue Shield Medicare contractors processed 83.2% of the more than 190 million total claims from hospitals and other provider institutions (Part A) and 69.4% of the more than 990 million claims from physicians and other healthcare practitioners (Part B).

The Power of Blue
More than 105 million members — 1-in-3 Americans - rely on Blue Cross Blue Shield companies for access to safe, quality, and affordable healthcare. Our responsibility as the Blue System does not end there. The relationships with our communities and the improvements we have made together demonstrate The Power of Blue - the power to make a difference.

coventry health insurance
Coventry Health Care

Coventry goes the extra mile to serve member needs.

  • Affordable plan options that offer protection
  • Industry-leading customer focus
  • Innovative tools for managing your well-being
  • Medicare and Medicaid coverage

With a wide range of plans to choose from, you can count on CoventryOne® for the benefits you need at a price you can afford:

  • Routine wellness examinations and immunizations
  • Hospital, outpatient, urgent and emergency care
  • Prescription drugs with low copays for generics
  • And more

Backed by quality, affordability and thousands of satisfied members, CoventryOne plans offer a smart choice for individual and family health insurance coverage.  CoventryOne specializes in offering superior coverage with a range of deductibles and coinsurances.

When you choose CoventryOne, you can feel comfortable with the choice you make for the well being of you and your family. If you’re self-employed, between jobs or your employer doesn’t offer insurance, we can help you to select a CoventryOne option that’s just right for you.

With CoventryOne, members benefit from unmatched plan benefits:

  • Clear, affordable coverage:  choose a plan to fit your budget
  • Easy to understand:  plans are designed with you in mind
  • Low copays and deductibles
  • No specialist referrals needed
  • Wellness and preventive programs

unitedhealthcare health insurance

UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States.  As a recognized leader in the health and well-being industry, we strive to:

  • Improve the quality and effectiveness of health care for all Americans
  • Enhance access to health benefits
  • Create products and services that make health care more affordable
  • Use technology to make the health care system easier to navigate

Our family of companies delivers innovative products and services to approximately 70 million Americans. UnitedHealthcare's nationwide network includes 768,471 physicians and health care professionals, 80,000 dentists and 5,675 hospitals. Our pharmaceutical management programs provide more affordable access to drugs for 13 million people.

 More choices for better health.

UnitedHealthcare affiliates, including Golden Rule Insurance Company, underwriter of UnitedHealthOne plans*, can help you find the coverage you need at a price you can afford. You can also purchase optional benefits and riders to enhance your coverage.

Our health insurance plans include:

  • Copay
    Designed for individuals and families who prefer the convenience of a traditional copay plan for routine health care expenses.
  • Health Savings Account (HSA)
    Lower cost, high-deductible plans combined with tax-favored savings accounts. For more control over health care expenses.
  • High Deductible
    A suitable choice for individuals and families who choose to take responsibility for routine health care expenses.
  • Short Term MedicalSM
    Designed to help fill gaps in insurance coverage during times of transition and change.
  • Student Coverage
    Essential medical-care coverage for students.**

We're committed to the delivery of quality care and its continual improvement. In fact, UnitedHealth Group made significant investments in research and development, technology and business process improvements – nearly $3 billion in the past five years. These investments led to changes that are improving the way care is delivered and administered across the entire industry.*"Plan" may refer to insurance and/or HMO benefit plans.**Not a UnitedHealthOne product.

Health insurance is complicated. We make it simple.

Whether it's your first time shopping for an individual and family health plan or you're looking to renew existing coverage, we give you the information you need to make the best decision for you and your family. Choose from metallic plans with essential health benefits. These plans are available at different price points. You can find a plan to fit your budget and situation.

Want to keep your premium low? Consider our Select SaverSM plan. It's our lowest premium plan. You must qualify to apply. This is a great option for people who don't visit the doctor often. Prefer a plan similar to employer-provided insurance? A Copay plan offers the familiarity of features common to group coverage. You'll pay a set copay for routine health care expenses, which is helpful for people who want to plan out their health care costs in advance.

Perhaps you want more control over your health care expenses. A Health Savings Account (HSA) plan helps you manage your medical bills using a tax-advantaged savings account. This option has one simple, calendar-year deductible per family.

Shopping for Individual and Family Health Insurance

Just like the right individual health insurance plan varies from person to person, so does the way in which people shop for it. To make the process easier, you can shop for UnitedHealthOneSM health plans in a variety of ways. This helps make finding health insurance simpler.

If you're new to buying health insurance on your own, the Insurance Guide section is a great place to start. You'll learn what key terms mean, which can make a big difference in what plan you choose. Plus, get information on how insurance works for you.

If you’re shopping for coverage outside Open Enrollment, you must have a qualifying life event to apply. Check out our Qualifying Life Event section for a list of events and details about what you need to do to get covered. The clock is ticking—you have a limited amount of time to get coverage.

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