How to Compare Health Insurance Rates in South Carolina

If you need to get health insurance in South Carolina, you can do some shopping and comparison on your own. Getting health insurance in South Carolina is no different than in other states. Picking the best health insurance for you and your family is about knowing your priorities. Once you know the things you and your family want from your insurance company, you are better prepared to evaluate your options.

Instructions

• 1

  Get quotes on health insurance in South Carolina by visiting local insurance agents in your area or by using a site such as Health Plan One or eHealth Insurance. Some insurance carriers throughout the state of South Carolina include Aetna, Humana and Blue Cross and Blue Shield of South Carolina.

• 2

  Check the doctors that you can use with each insurance company, if you are concerned about being able to use a specific doctor or hospital. If so, this allows you to eliminate any insurance carriers that will not allow you to use your preferred doctors or hospitals.

• 3

  Review the covered services for each insurance company, if you need specific items covered. For instance, not all of the insurance quotes will include psychiatric care or maternity care.

• 4

  Look at the co-pay and deductible amounts for each insurance company if you want to base your decision on money. The listed co-pay amounts will be the amount you have to pay for each doctor or hospital visit once the deductible amount has been met. You may also want to pay attention to the lifetime benefit limit, especially if you know that you or someone in your family will need a lot of treatment.