Pre-Exisitng Health Insurance Plans For South Carolina Residents
PCIP covers a broad range of health benefits, including primary and specialty care, hospital care and prescription drugs. All covered benefits are available beginning on your effective date, even if it’s a pre-exisiting condition. There are never any waiting periods.
PCIP offers a choice of plan options to fit your needs and provide more affordable premiums.
Click the logo below to see detailed benefits summary and monthly premiums.
PCIP enrollees can select from three plan options with different levels of premiums, deductibles, calendar year deductibles, prescription deductibles and prescription copays. The HSA options allows for you to open a Health Svings Account, a tax-exempt account where you can deposit funds for eligible medical expenses. Each of the three PCIP plan options provide preventative care (paid at 100% with no deductible) when you see an in-network doctor and the doctor indicataes a preventative diagnosis. Included are annual physicals, flu shots, routine mammograms and cancer screenings. For other care, you will pay a deductible before PCIP pays for your medical expenses and prescriptions. After you pay the deductible you will pay 20% of medicsal costs in-network. The maximum you will pay out-of-pocket for covered services in a calendar year is $5,950 in-network/$7,000 out-of-network. There is no lifetime maximum or cap on the amount the plan pays for your care.
Your monthly premium may increase if you age into a higher rate tier or if PCIP adjusts its premiums to any changes in the commercial market.
