Carolina Health Insurance
Carolina Health Insurance is similar to most state plans in the sense that you have many options. You have sufficient access to HMO plans, PPO, POS, Health Savings Accounts, HDHP, family health options and individual health insurance. There are some differences between the options offered in North Carolina and South Carolina that are important to understand. North Carolina does not offer high-risk plans for consumers with pre-existing conditions. In comparison, South Carolina health insurance does have options for those with previous chronic conditions. If your application is submitted past the enrollment period in South Carolina you may be denied coverage. This is one of the major differences.
Each state does have its unique set of differences, but overall they are similar. In North Carolina, Medicaid serves approximately 20% of the state population. These low income individuals have the benefit of having coverage since they cannot usually afford to purchase health insurance in the regular market. North Carolina Health Choice for Children is a great option for families who make too much income to qualify for the government sponsored Medicaid, but make too little to afford the often expensive premiums offered through health insurers. Through this program they are able to get free or reduced cost protection for their children. The North Carolina Institute of Medicine is an independent, non-profit organization that offers a non-political source for health policy and advice for North Carolina health insurance.
South Carolina also has valuable programs for its residents. Hands on Health South Carolina is a resource offered by South Carolina government to assist and encourage residents to lead healthier lives. Through advice and information people can better understand what is involved in a healthy lifestyle. South Carolina Department of Health and Human Services manages South Carolina's Medicaid program which provides health insurance for residents who are unable to afford traditional policies. There is also the program called Partners for Health Insurance, also known as PHC, which provides South Carolina residents Medicare coverage to children who are 18 or under who come from low income families which is defined as at or below 150% of the Federal Poverty Level.
Carolina Health Insurance has had a poor reputation in the past, but there have been many improvements over the years. North Carolina has had a shortage of health care providers in the past, and South Carolina has had a poor preventative care system. The states are on the road to improvement for the benefit of the residents.