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Just a warning. I just moved here from MI. My hubby is still in MI and I found out today that he is "uninsureable!" because of diabetes. This may mean a move back home for me but this wasn't something I researched before moving here. Never had issues in MI so be careful and research insurance first.
I had 3 people tell me that he would only be covered if I signed up for group health as my spouse but our company only reimburses private insurance and they said i can't add him to my policy so that means he can't quit his job in MI to move here unless I get my company to switch to group.
I will keep looking though. Maybe I got some bad info.
Just a warning. I just moved here from MI. My hubby is still in MI and I found out today that he is "uninsureable!" because of diabetes. This may mean a move back home for me but this wasn't something I researched before moving here. Never had issues in MI so be careful and research insurance first.
People should research health insurance rates and availability WELL BEFORE they move ANYWHERE. One should NEVER assume that health insurance situations in one state will be the same in another state.
As an independent insurance agent who does mostly health insurance, it never ceased to amaze me how many people would move to the area where I moved from and call me after explaining they had decided to move to the area to retire and called me expecting to be told there were several plans and options available to them at great low rates --- only to be told just the opposite!
Here is a general rule of thumb. The better states where you will find more choices and carriers doing business will also have high risk health insurance pools. On the other end of the spectrum, the liberal states legislators (like Massachusetts for example and most of the the northeastern states) seem to think it isn't fair to charge higher rates to the higher consumers of medical care. So, rather than establishing a high risk pool so the majority of the rest of the people can get low rates from the private sector, they force all health insurers to take everyone and charge them the same rates. So you find the young healthy family on zero medications paying the same rates as another family with everyone in the family with some sort of problem whether its allergies, asthma, high cholesterol, high blood pressure, diabetes. Needless to say, you also find fewer carriers in these states and rates are like mortgage payments for high deductible plans.
The good news is that your husband can still get insurance from the high risk health insurance pool. He may be uninsurable through private insurers however. Here is the link to the high risk pool plan administered by SC Blue Cross SC Health Insurance Pool
I had 3 people tell me that he would only be covered if I signed up for group health as my spouse but our company only reimburses private insurance and they said i can't add him to my policy so that means he can't quit his job in MI to move here unless I get my company to switch to group.
I will keep looking though. Maybe I got some bad info.
If your husband is on a group plan now, if he can go on COBRA when he officially leaves where he is working, then private carriers will HAVE to offer him GUARANTEED ISSUE coverage because he will have had proof of prior coverage for at least 18 months and exhausted his COBRA coverage (and basically has no other options). However, this coverage isn't guaranteed to be great coverage nor affordable. The idea is he can probably get more coverage for his money getting coverage in the high risk pool.
Here is a general rule of thumb. The better states where you will find more choices and carriers doing business will also have high risk health insurance pools. On the other end of the spectrum, the liberal states legislators (like Massachusetts for example and most of the the northeastern states) seem to think it isn't fair to charge higher rates to the higher consumers of medical care. So, rather than establishing a high risk pool so the majority of the rest of the people can get low rates from the private sector, they force all health insurers to take everyone and charge them the same rates. So you find the young healthy family on zero medications paying the same rates as another family with everyone in the family with some sort of problem whether its allergies, asthma, high cholesterol, high blood pressure, diabetes. Needless to say, you also find fewer carriers in these states and rates are like mortgage payments for high deductible plans.
Wait, so insurance companies want their pool to be high risk? What you said don't even make sense. Most diseases you mentioned are all OLD AGE diseases, and everyone eventually will get it assuming you live long enough. Massachusetts has statewide health insurance which is funny because everyone complains about it yet none of them want to lose it. Oh btw, Hawaii also have state mandated health insurance, guess who praised it after his fat ass emergency room visit before he found out the hospital is run by the government.
I am self employed and wanting to make the move out to Charleston area, I currently have to pay for my own insurance. What are some recommended ways to get a quote and find out what our options are for health care?
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