Blue Cross Blue Shield of South Carolina
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All About Blue Cross Blue Shield of South Carolina
With more than 2 million people covered, BCBS of SC is the #1 health insurance carrier in South Carolina.
Palmetto State residents like it because of its combination of comprehensive coverage, price competitiveness, and extensive network of physicians and other providers across the state.
With over 10,000 in-network providers, and access to every hospital in SC, BCBS of SC members have access to the broadest range of medical professionals and facilities in the state.
A.M. Best rates BlueCross BlueShield of South Carolina as A+ (superior), indicating that BCBS SC is financially stable and has the resources to pay claims when due.
Individual & Family Health Insurance Plans
BlueCross BlueShield of South Carolina offers two basic health plan options: Blue Essentials and Blue Exclusive plans.
Each of the BCBS SC plans includes coverage for services like preventative care, hospitalization, emergency room care, mental health and drug addiction services, and much more.
Blue Rewards
The innovative Blue Rewards program from Blue Cross Blue Shield allows plan members to earn cash rewards for completing wellness activities.
Plan members receive a debit card. The company loads the card with cash when you or a family member do things like get an annual flu shot, get an annual wellness exam, or schedule a telehealth visit.
Individuals can earn up to $150 per year under this program, and a family of four can earn up to $600.
Catastrophic Plans for Under 30
BCBS South Carolina also offers a low-premium, high-deductible catastrophic plan to people under age 30.
This plan may be suitable for those in very good health who don’t expect to consume much healthcare, and just need coverage for a major medical incident. Everything else would come out-of-pocket, up to a deductible of $9,100 per year ($18,200 per year for families).
Blue Care on Demand
A telehealth service that allows members to access healthcare remotely through their mobile devices or computers.
It’s based on a free, easy-to-use mobile app that you can download right to your phone.
No-Cost Wellness Screenings
All BlueCross BlueShield South Carolina plans include the following services at no additional cost: Immunizations, Mammograms, Prostate screenings and lab work (IAW American Cancer Society), Guidelines, Contraceptive devices, Flu shots, Wellness exams
Individual and Family Health Insurance Plans
BlueCross BlueShield of South Carolina offers two basic health plan options: Blue Essentials and Blue Exclusive plans.
Each of the BCBS SC plans includes coverage for services like preventative care, hospitalization, emergency room care, mental health and drug addiction services, and much more.
Blue Essentials (HMO)
- Structure: Health Maintenance Organization requiring a primary care physician and referrals
- Coverage: In-network providers only with possible pre-authorization for certain services
- Cost Profile: Lower monthly premiums with potentially higher out-of-pocket costs
Blue Exclusive
- Availability: Limited to Greenville, Laurens, Oconee, and Pickens counties
- Structure: No required primary care physician or specialist referrals
- Coverage: In-network providers with emergency-only out-of-network coverage
- Cost Profile: Higher monthly premiums but lower out-of-pocket costs
- Best For: Frequent healthcare users or those expecting higher medical needs
Blue Exclusive Network Options
- Reedy Plans: Exclusively use Prisma Health Upstate network providers
- Cooper Plans: Exclusively use MUSC Health Alliance network providers
Note: These networks differ from the traditional BlueCross BlueShield of South Carolina Individual Health Exchange Network. No coverage for out-of-network care.
Blue Cross Blue Shield of South Carolina Features
Wellness Features
All Blue Cross Blue Shield South Carolina plans include the following services at no additional cost:
- Immunizations
- Mammograms
- Prostate screenings and lab work (IAW American Cancer Society Guidelines
- Contraceptive devices
- Flu shots
- Wellness exams
Blue Rewards
The innovative Blue Rewards program from Blue Cross Blue Shield allows plan members to earn cash rewards for completing wellness activities.
Plan members receive a debit card. The company loads the card with cash when you or a family member do things like get an annual flu shot, get an annual wellness exam, or schedule a telehealth visit.
Individuals can earn up to $150 per year under this program, and a family of four can earn up to $600.
| Blue Care on Demand (Telehealth Service) |
|---|
| Connect with healthcare professionals 24/7 through video or secure messaging for non-emergency needs—all from the comfort of home or while traveling.
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Frequently-Asked Questions About Blue Cross Blue Shield of South Carolina
Q: How can I find out if my doctor is in-network with Blue Cross Blue Shield of South Carolina?
Q: Does BCBS SC Offer Medigap or Medicare Advantage Plans?
Yes. If you’re looking for information on Medicare Advantage or Medigap coverage, visit www.MedigapAdvisors.com
Q: How can I find out the cost of prescription medications with my Blue Cross Blue Shield of South Carolina plan?
Blue Cross Blue Shield of South Carolina provides a prescription drug formulary that lists covered medications and their associated costs. You can access this information online or contact their customer service for assistance.
Q: How do I pay my premiums with Blue Cross Blue Shield of South Carolina?
Q: Are preventive services covered by Blue Cross Blue Shield of South Carolina plans?
Yes, many preventive services, such as vaccinations, mammograms, prostate exams, screenings, and wellness exams, are typically covered at no cost or with minimal cost-sharing under Blue Cross Blue Shield of South Carolina plans, as mandated by the Affordable Care Act.
Q: Can I use my Blue Cross Blue Shield of South Carolina coverage when traveling outside of South Carolina?
BlueCross BlueShield of SC typically offers coverage for emergency medical services when traveling outside the state. For more extensive out-of-state coverage, consider purchasing a Blue Extend policy. Contact a Personal Benefits Manager for more specifics.
Q: What is the difference between an HMO and a PPO plan with Blue Cross Blue Shield of South Carolina?
Q: Which is better, Blue Cross Blue Shield of South Carolina or a Healthsharing Plan?
There is no one-size-fits-all solution.
Every individual and family is different. Healthsharing plans may be more suitable if you earn too much to qualify for a subsidy under the Affordable Care Act, or only qualify for a small one.
This is because healthshare plans are typically available at around half the cost of a Blue Cross Blue Shield traditional health insurance plan without a subsidy.
This can save thousands of dollars per year for a family of four.
However, Blue Cross Blue Shield’s’ traditional health insurance approach may be a better match if you qualify for a significant subsidy, or if you have a preexisting condition that may need ongoing care.
For a personal needs analysis and recommendation, or for help signing up, contact a Personal Benefits Advisor.
Q: How can I find out about coverage for specific medical procedures or treatments?
Blue Cross Blue Shield of South Carolina provides coverage information and guidelines for various medical procedures and treatments in their policy documents.
You can review these documents or contact their customer service for specific coverage details.
Q: Can I change my health insurance plan with Blue Cross Blue Shield of South Carolina?
During specific enrollment periods or qualifying life events, you may have the opportunity to change your health insurance plan.
Contact your Personal Benefits Manager to learn whether you qualify for a special enrollment period or for more details about open enrollment periods and whether you can make changes to your plan.
Note: You can enroll in a healthsharing plan at any time.
Ready to sign up for a BCBS of SC plan?
At HSA for America, we are here to guide you through the many questions that can arise while trying to find the right health insurance plan. Our Personal Benefits Managers partner with you by taking advantage of all of the money-saving tools available, with the goal in mind saving you as much money as possible.
This professional relationship continues on after you have your health plan secured – to ensure your medical needs are being met and your money is being saved.
Blue Cross Blue Shield of South Carolina Reviews
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BCBS of SC has been working well for us
Blue Cross Blue Shield of South Carolina has been a solid choice. Great provider network and coverage, though customer service can be a bit slow at times.
Great insurance!
I’ve been with Blue Cross Blue Shield of South Carolina for years, and they’ve never let me down. Great coverage, excellent customer service, and easy claims processing!
Satisfied blue cross blue shield of South Carolina customer
We’ve had our insurance through bcbs of sc for over 5 years now. We have never had any issues with them and their customer service has been great.
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