There always comes a time when you or a family member needs medical care. It might be a doctor’s visit for a cold or preventative care. You might end up in an emergency room and a long hospital stay after an accident or emergency surgery. With the peace of mind that comes with health insurance, you can rest assured that you won’t find yourself without the care you need or using all your savings to pay medical bills.

Many people feel they can’t afford health insurance, but they can’t afford not to have it. There are affordable plans available in South Carolina tailored to your specific situation and needs. Explore more information about individual and family health insurance.

The Importance of Health Coverage

Healthcare coverage is essential for everyone. It protects you and your family by minimizing the costs of routine and emergency healthcare. Most health coverage pays many of the costs for doctor’s visits, specialist visits, prescription medications, preventative testing, medical tests, surgeries, and emergency medical care. Without healthcare coverage, you end up paying these costs on your own.

By having health insurance, you can avoid paying the retail cost of your medical care. You can also reduce your prescriptions drug cost, and protect your health future by getting preventive tests and services before they become a life-threatening issue.

Individual & Family Healthcare Plans

Total Coverage for Total Body

Choosing the best plan for you and your family can be overwhelming. Fortunately, the experts at Alpine Agency are here to help guide you to the best decision for your needs. With every policy, there are 10 essential health benefits that are required to be covered. They are:

• Outpatient Surgery — Breast Biopsy, Cataract Surgery, Gastric Bypass, etc.
• Emergency Services — Emergency Room Visits, etc.
• Hospitalization — Fixing a Broken Leg, Comprehensive Cancer Care, etc.
• Pregnancy & Newborn Care — Maternity Care, Childbirth, etc.
• Mental Health Services – Therapy, Substance Use Disorder Services, etc.
• Prescription Coverage — Prescribed Medication Coverage, etc.
• Rehabilitation — Post-Surgery, Post-Accident, etc.
• Laboratory Services — Diagnostic Testing, etc.
• Preventative and Wellness Services & Chronic Disease Management — Shots, Blood Pressure Screening, Cholesterol Screening Diet Counseling Screening HIV & Hepatitis Screening, etc.
• Pediatric Health and Dental & Vision Care — Vision Testing Dental Check-Ups, Annual Doctors Appointments, etc.

Health Insurance Carriers: BCBS SC, BlueChoice HealthPlan, Molina, AMBETTER, Bright Health

Individual Health Insurance

An individual health insurance policy covers a single person’s medical expenses. The person pays the premium in monthly installments or one upfront payment. The cost stays the same throughout the policy’s duration but may rise when the policy is renewed. The cost of these policies is based on your location, age, and income. These policies offer varied options for coverage based on your personal needs.

Some policies have deductibles, which you must pay before the policy begins to cover your medical expenses. After the deductible is met, the patient and the health coverage split the cost of medical care, with the insurance company covering a much larger percentage.

Family Health Plans

A family health plan covers all the members of an immediate family, including a spouse and children, up to age 26. It might also cover grandchildren or other minors over whom the policyholder has legal custody. While a family health plan typically costs more than an individual healthcare insurance policy, it usually does cost less than it would to insure each family member on their own policy.

You can add children to a family health plan as they are born or adopted into your family, and they are under the age 26. Family health plans offer the same medical care coverage to each family member covered under the policy with the same deductibles and copayments. The size of your family determines the cost of the plan. For example, a single adult with a dependent child will pay less than a family of five.