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Finance and Administration. MUSC requires all students to maintain health insurance as a condition of enrollment. You are encouraged to choose an insurance plan that best meets your needs.

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However, we want to make you aware of the whole range of individual and family insurance products we have available in your state. A temporary medical insurance plan like short term health insurance 1 underwritten by Golden Rule Insurance Company may provide:.

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Find affordable health insurance in south carolina

Employees have the choice of seeing MUSC providers and paying lower out-of-pocket costs, including some preventive services at no cost to the patient. While you may use any provider for care, typically your costs are less when you receive services in-network.

If you receive services at an approved MUSC Health Plan provider, your out of pocket expenses will be less than if you visit an in-network or out-of-network provider.

The State Savings Plan is a high deductible health plan and is only available to grandfathered employees. This plan is not available to new hires. Once the annual deductible is met, BlueCross BlueShield will pay a percentage of coverage. Members do not need a referral from a primary care physician.

Insurance plans accepted at musc health

Employees in classified, faculty, postdoctoral scholar, research grant, and resident positions are eligible for insurance benefits if they are employed for at least 20 hours per week or more. Premiums are paid in the month for that month of coverage.

Biweekly paid employees pay premiums on the first two paychecks of each month. Enrollment in Medicare is handled by the eligible employee or spouse directly with the Social Security Administration. Please visit the Medicare website for more information regarding enrolling.

South carolina health insurance options

Savings and Standard subscribers must contact Companion Benefit Alternatives CBA at or visit them online for pre-authorization and must visit in-network providers. An operator is available ampm, sessions are by appointment only.

Contact: Jeni Bowers-Palmer or call EAP is offering phone and telehealth counseling. MUSC Health Virtual Care is an easy way to be treated for common conditions through online, non-video, interviews and video interview.

Affordable care act

Online care on your schedule by MUSC doctors and providers. Online visits are free to MUSC employees. Find information on BCBS health and dental providers.

Features include provider locator and information on free value-based benefits. For claims assistance, contact BlueCross at The State Savings Plan requires a subscriber to pay the full allowable charge for prescriptions. There is no copayment, but the costs are applied to your annual deductible.

Prescription drug benefits are administered by Express Scripts. The MUSC Health Plan offers a "3-tier" prescription plan with copayments available for generic, higher cost brand names, and highest cost brand names.

MUSC retail pharmacies offer discounted copays for prescriptions. More information can be found on the PEBA website. The surcharge for subscribers who have certified they use tobacco or who have not certified at all is:.

The subscriber will pay one surcharge, regardless of the of tobacco users covered under his insurance. He will pay this charge unless he certifies no one covered under his health insurance uses tobacco, and no one has used it during the past six months.

Health insurance plans

To change your tobacco surcharge status, please complete the Certification of Charleston health insurance Use form and send to the University Benefits Office via fax at or to benefits musc. Due to health care reform, beginning January 1,if a subscriber's physician provides a letter stating that it is unreasonably difficult due to a medical condition for the subscriber to stop using tobacco or it is medically inadvisable for the subscriber to attempt to stop using tobacco, he can avoid the tobacco surcharge by participating in an alternative program that is described in detail in the Insurance Benefits Guide.

For existing employees, Enrollment Periods occur every year from October 1 through October All changes and any applicable premium changes are effective on January 1 of the following year. When you experience one of the qualifying life events listed below, you may make changes within 31 days of the event. You do not have to wait for an Open Enrollment period:.

Individual & family health insurance in charleston sc & mt pleasant sc

Please benefits musc. University HR. Employment Verifications New Employees.

New Employees. Life Insurance.

Individual & family health insurance in charleston sc & mt pleasant sc

Supplemental Retirement. State Savings Plan The State Savings Plan is a high deductible health plan and is only available to grandfathered employees. Prescription Benefits The State Savings Plan requires a subscriber to pay the full allowable charge for prescriptions. Qualifying Life Events When you experience one of the qualifying life events listed below, you may make changes within 31 days of the event.