Click here to request a group health insurance quote.
Our combined 20+ years of experience in the South Carolina Group Health Insurance market allows us to provide you with a clear, concise picture of your options. In addition to traditional SC group health plans, we are the areas leading experts on value added services such as health reimbursement accounts (HRA's), flexible spending accounts (FSA's) and Section 125 cafeteria plans.
We will provide you with a detailed quote spreadsheet of all of your healthplan options, in addition to consumer directed plans that can significantly cut cost while maintaining value!
It's the fastest, easiest way to provide employee health benefits. Compare plans from the best-known insurers in South Carolina. Help your company pick a plan that best meets your unique needs. We can help your company leverage more value from their health care dollars.
Click Here to Get a Group Express Quote
South Carolina defines a small group employer as any company with 2 to 50 employees. Pursuant to the federal Health Insurance Portability and Accountability Act of 1996, all small group health insurance must be offered on a guarantee issue basis, which provides that no group may be declined medical insurance coverage based upon the past or current health status of the group or an individual employee. For group applicants lacking prior creditable coverage, the health insurance carrier is permitted a 6 month look back and a 12 month exclusionary period for pre-existing conditions. Credit for prior coverage must be given, provided there is no more than a 63 day break in coverage. Qualified employees may be subjected to a waiting period before becoming eligible to join the employer sponsored group health plan. Waiting periods are determined by the employer and must be consistent for each employee. South Carolina provides for the medical underwriting of all small group rates. Based upon the overall health status of the group, an insurance company may charge a high-risk group a greater premium, but generally no more than 66% of the standard rate.
Most employers are eligible to implement their health benefits within a Section 125 Cafeteria Plan.Employees save money by using pre-tax dollars to pay health plan premiums. Employers can reduce their FICA tax liability.We also offer a full range of tax savings plans and administration services for HRA's, HSA's, COBRA, State continuation, ERISA, and much more!
Learn about section 125 Plans... can offer payroll deducted individual plans to employees who don't have access to or do not qualify for an employer sponsored plan. Contact us today for more information on list bill plan options....