Palmetto Health Participating in Health Insurance Marketplace Plans
What is the Health Insurance Marketplace?
Part of the Affordable Care Act and sometimes known as the health insurance “exchange,” the Health Insurance Marketplace helps people find health coverage. It is designed for individuals who do not qualify for employer coverage, Medicare or Medicaid, and may be eligible to purchase coverage through the Marketplace.
Which plans are available?
There are four companies offering plans to South Carolina residents within the Health Insurance Marketplace, and Palmetto Health is in-network and will accept patients for all of these plans. They include:
- BlueCross BlueShield of South Carolina
- BlueChoice HealthPlan
- Consumers’ Choice Health Plan
Palmetto Health is the only Midlands health care system participating in all of these plans.
Is it affordable?
Financial help will be available from the government using a sliding scale based on income and family size.
When can I get insurance through the Health Insurance Marketplace?
You can only sign up on the Marketplace during open enrollment. The open enrollment period for 2015 begins Nov. 15, 2014, and ends on Feb. 15, 2015.
When does coverage begin?
Coverage begins Jan. 1, 2015, for people who enroll in a plan by Dec. 15, 2014. If you submit an application between Dec. 16, 2014, and Feb. 15, 2015, your coverage will begin two to six weeks after your application is submitted.
How do I sign up?
You can apply online, by phone or by mailing an application.
I want to talk with someone. Who should I contact?
During the open enrollment period, Navigators and certified application counselors are trained Marketplace experts available to help you on the phone, online or in person. They are not salespeople, and they are there only to help you and answer your questions, not sell you a plan.
Palmetto Health is working closely with several community organizations who are assisting people in enrolling in a Health Insurance Marketplace plan. Please contact any of the organizations below for information about your options.
Local Navigators and Certified Application Counselors:
Navigators available Monday-Friday, 9 a.m.-5 p.m.
Eau Claire Cooperative Health Centers
Certified Application Counselors available Monday-Friday, 10 a.m.-4 p.m., and Saturday, 9 a.m.-1 p.m.
South Carolina Progressive Network
Navigators available Monday-Friday, 11 a.m.-6 p.m., and later upon request
The Benefit Bank
Navigators from these organizations also are available at Palmetto Health Richland, Palmetto Health Baptist, and our clinic locations (1801 Sunset Dr., Family Medicine Center and Celia Saxon Health Center). To make an appointment, call 803-296-8989.
What should I bring to my appointment?
Please bring the following information:
- Your Social Security number, as well as your family members’ Social Security numbers (or document numbers if you are legal immigrants)
- Your family members’ birthdates
- Your pay stubs, W-2 forms or “Wage and Tax Statements”
- The policy numbers for any existing health insurance plans
- Information about any employer-provided health insurance for which you and your family could qualify
Where else can I go for more information?
For more information about your options within the Health Insurance Marketplace, please visit healthcare.gov or call 1-800-318-2596. You may also call 803-296-8989 for the latest Palmetto Health information, or email HealthInsuranceMarketplaceQuestions@PalmettoHealth.org.