Is there assistance available other than the South Carolina Health Insurance Pool (SCHIP)?

There are many programs available through the federal or state government to assist with the high cost of health care and health insurance. You should contact the Department of Health and Human Services for information about Medicare (including the new prescription drug program which provides many subsidies) and your elibility for Medicaid (for low-income and disabled persons). In addition, the federal governement provides tax credits for certain workers who have lost their job because of federal trade agreements or whose pension program has failed.

• Can health insurance companies deny my application for individual insurance due to a health condition? Yes, the company has the right to deny coverage for almost any reason on a new application. However, once you are accepted for coverage the company cannot cancel your policy except for non-payment of premium.

• What is a pre-existing condition? This is normally a physical or mental condition for which medical advice, diagnosis, care or ... more.

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