Standard Plan
Your insurance needs are as unique as you are. You may meet your deductible each year, or maybe you can’t remember the last time you saw a doctor. The Standard Plan is one of two State Health Plan options, and has higher premiums and lower deductibles. BlueCross BlueShield of South Carolina (BlueCross) is the third-party administrator for the State Health Plan.
Copayments
A copayment is the fixed amount you pay for a covered health care service or drug. You will pay a copayment for prescription drugs, office visits, emergency care and outpatient facility services. Copayments do not apply to your annual deductible or your coinsurance maximum. After you meet your annual deductible, and even after you reach your coinsurance maximum, you will continue to pay copayments.
Deductibles
A deductible is the amount you pay for covered services before your health plan begins to pay. The Standard Plan has individual deductibles and family deductibles. When one family member meets his deductible, the Standard Plan will begin to pay benefits for him even if the family deductible has not been met.
Prescription drug coverage
Prescription benefits are included with Standard Plan coverage. You will pay a copayment for prescription drugs, up to $3,000 per year. Prescription drugs are covered only at network pharmacies. Express Scripts is the pharmacy benefits manager.
You can learn more about the Standard Plan in the Insurance Benefits Guide.
Enrollment
You can enroll during:
- Your initial enrollment;
- Open enrollment in October; or
- A special eligibility situation.
Coverage with Medicare
Information about how the Standard Plan coordinates with Medicare is available in the Insurance Coverage for the Medicare-eligible Member handbook.
Identification cards
After your initial enrollment, you will receive two identification cards from BlueCross. You can also access your digital identification card from the My Health Toolkit mobile app. If you need to order a replacement card, visit StateSC.SouthCarolinaBlues.com or call BlueCross at 800.868.2520. You will need your Benefits Identification Number (BIN). If you don’t know your BIN, log in to MyBenefits and select Get My BIN.
Savings Plan
Your insurance needs are as unique as you are. You may meet your deductible each year, or maybe you can’t remember the last time you saw a doctor. The Savings Plan is one of two State Health Plan options and has lower premiums and higher deductibles. BlueCross BlueShield of South Carolina (BlueCross) is the third-party administrator for the State Health Plan.
Copayments
There are no copayments under the Savings Plan. You pay the full allowed amount for services until you meet your deductible. Then, you pay your coinsurance.
Deductibles
A deductible is the amount you pay for covered services before your health plan begins to pay. The Savings Plan is a high deductible plan and has individual deductibles and family deductibles. If more than one family member is covered, no family member will receive benefits, other than preventive benefits, until the family deductible is met.
Prescription drug coverage
Prescription benefits are included with Savings Plan coverage. You will pay the full allowed amount for prescription drugs until you meet your deductible. Then, you pay your coinsurance. Prescription drugs are covered only at network pharmacies. Express Scripts is the pharmacy benefits manager.
You can learn more about the Savings Plan in the Insurance Benefits Guide.
Enrollment
You can enroll during:
- Your initial enrollment;
- Open enrollment in October; or
- A special eligibility situation.
Identification cards
After your initial enrollment, you will receive two identification cards from BlueCross. You can also access your digital identification card from the My Health Toolkit mobile app. If you need to order a replacement card, visit StateSC.SouthCarolinaBlues.com or call BlueCross at 800.868.2520. You will need your Benefits Identification Number (BIN). If you don’t know your BIN, log in to MyBenefits and select Get My BIN.
Prescription Benefits
Your Content Goes Here
Behavioral Health
Your Content Goes Here
Weight Management Programs
Your Content Goes Here