Blue Cross Blue Shield of South Carolina
Blue Cross Blue Shield South Carolina (BCBSSC) is the only state-owned and operated health insurance carrier. The company has been serving residents of Palmetto State for over 70 years with easy access to affordable health and medical care. BCBSSC is also the only health insurance carrier in the state offering insurance in every consumer segment – individuals & families, small and large employer groups, Medicare and Medicaid, and many other add-ons and options.
The company is also one of the largest employers in the state, with more than 16,000 people working to make healthcare more efficient and affordable for South Carolinians. It has an extensive network of hundreds of highly-qualified healthcare professionals that offer services from numerous renowned medical facilities across the state.
Let’s look at some of the best health insurance plans offered by the Blue Cross Blue Shield of South Carolina.
Blue Cross Blue Shield South Carolina (BCBSSC) Individuals & Families Health Insurance Plans
Blue Cross Blue Shield of South Carolina offers an extensive range of health insurance plans for individuals and families alike. It offers its health insurance plans in three different levels – Gold, Silver, and Bronze.
Each level offers essential coverage but has different premiums, deductibles, copayments, and coinsurance rates. The cost of these health plans will depend on the extent of financial help you are eligible for.
Here are the best individual and family health insurance plans from Blue Cross Blue Shield of South Carolina.
Blue Cross Blue Shield South Carolina Blue Essentials
The BCBSSC Blue Essentials health insurance plan offers extensive benefits, including no-cost preventive services and access to the state’s largest network of healthcare providers and hospitals. This plan covers the cost of numerous preventive care services, such as mammograms, wellness exams, contraceptive devices, immunization, and flu shots.
Members with this plan also get cover for pediatric vision care for children below 18 years, which includes low copays on eye exams and discounts on contacts, frames and lenses.
The BCBSSC Blue, Essentials insurance plan also has significant coverage for prescription drugs. The plan also gives up to $150 yearly as a reward to members for completing assigned wellness activities to promote wellness in the community. These rewards are great against deductibles, copays, and coinsurance on covered medical care services.
To learn more details about the BCBSSC Blue Essentials health plan.
Blue Cross Blue Shield South Carolina Blue Exclusive
The Blue Cross Blue Shield of South Carolina also offers the Blue Exclusive health plan for individuals and families. This plan is provided through an exclusive partnership with Prisma Health Upstate Network. It is also the no. 1 health insurance plan in South Carolina and is available to residents of Laurens, Greenville, Pickens, and Oconee counties.
The BCBSC Blue Exclusive health insurance plan also offers comprehensive coverage. Under this plan, members can enjoy no-cost preventive care services, such as wellness exams, immunization and flu shots, prostate screening, and mammograms.
The plan also covers visits to doctor’s offices and hospitals in the Prisma Health Network. In addition, this plan also offers extensive coverage for prescription drugs and pediatric vision benefits for children below 18 years old.
The Blue Exclusive insurance plan from Blue Cross Blue Shield South Carolina also offers rewards of up to USD 150 annually for completing wellness tasks. These may include USD 60 for the annual flu shots and annual wellness exams or USD 30 for telehealth visits, totaling USD 150, so a family of four can easily earn USD 600 each year.
This plan also offers extensive Telehealth benefits and lets you access quality healthcare round-the-clock. The BCBSSC Blue Exclusive Telehealth benefits include virtual visits to your healthcare provider through a computer or mobile device, with no need to book an appointment.
BCBSSC Telehealth coverage contains diagnosis and treatment of various health problems, such as acne and allergies to UTIs and respiratory problems.
Blue Cross Blue Shield South Carolina Medicare
The Blue Cross Blue Shield of South Carolina also offers Medicare insurance plans to eligible members. Original Medicare is a health insurance program sponsored by the federal U.S. government. It aims to provide easy access to affordable healthcare for people over 65.
However, this insurance plan also covers younger people in specific circumstances, such as those with certain disabilities and end-stage renal disease.
The BCBSSC Medicare Part A is designed to cover hospital services. It offers coverage for hospital stays, skilled nursing care facility services, as well as for home care and hospice care expenses. The BCBSSC Medicare Part B covers basic medical expenses.
It covers the expenses related to healthcare services received from doctors, medical supply costs, outpatient medical care, and preventive care services.
Still, Medicare Part A and Part B do not offer complete coverage, such as the cost of prescription medicines, and members often have to pay significant out-of-pocket expenses. This is where Medicare Advantage and Medicare Prescription Drug Plan help cover the gap.
The Medicare PDP (Prescription Drug Plan) is designed to save you money on purchasing prescription drugs. The Medicare Advantage plan helps with added benefits not covered under Original Medicare. Additional plans, such as Medicare Supplements, help cover other costs, such as coinsurance, deductibles, and copays. These plans are also called Medigap Plans.
The Blue Cross Blue Shield of South Carolina is currently the largest health insurance carrier in the state. It has partnered with Prisma Health Upstate Network to ensure members have easy and prompt access to top-quality healthcare anywhere around the state and outside. Additionally, BCBSSC has a wide range of products, from individual and private insurance to group plans and additional dental and vision care plans.