South Carolinians have the ability to choose from 38 different plans among four carriers beginning in 2014. Just looking into each can be a long and difficult process. Our goal is to make it easier for you.
First, you need to determine if you qualify for federal assistance (subsidy). If you do, the federal government will send that amount to the carrier of your choice that will be applied to the plan of your choice.
To determine whether you qualify, you will need to provide your zip code, county, annual household income and the number of those to be covered and their birthdates and smoking status (yes or no). Go through this step, even if you know you donâ€™t qualify.
Once thatâ€™s done, our website will automatically deduct any subsidies that apply and show you the estimated net amount you would pay as a monthly premium on each of the 38 plans.
Yes. Simply click the COMPARE PLANS button to see a side-by-side comparison of multiple plans. You can compare monthly rates, deductibles, co-pays and more.
Write down the name of the plan you have selected (you will be required to select it again in the purchase process), and click BUY PLAN. Our system will automatically connect you to the carrier that offers the plan you want. Provide your full information and that of your dependents, then select and purchase your plan.
If you qualify for a subsidy, the federal government will automatically notify the insurance company and they will send the monthly subsidy to the carrier. You will be responsible for the adjusted monthly premium amount. The insurance company will send your ID cards, and a welcome packet with information about your coverage and the providers (physicians and hospitals) in the network.
Thatâ€™s when you contact us and weâ€™ll walk you through the process. You can contact us by phone at 803.708.7405 or by email at Tim@HanburyGroup.com.
If you purchased your plan at HealthCare.gov, directly with the Federal Governmentâ€™s 800 number, or with a Navigator or Assistor, youâ€™re on your own with claims issues. However, if you purchase your policy through Hanbury Group or HanburyGroup.com, we are your insurance agent and can assist you with the set-up of your first policy and claim issues in the future. Please remember, this is health insurance and coverage issues may arise. As your insurance agent, we assist when questions or problems arise with the carrier or with providers.
No. Your premium is THE SAME, whether you purchase your policy through us or directly through the carrier. We are the only ones that will act as your advocate with the insurance carrier after the sale.
Absolutely. In fact, why would you want to do it any other way? Itâ€™s always best to have an experienced insurance agent in your corner when disputes arise.