Health Insurance

If you don't have a group health plan available through your employer, the most popular health plan choice is an Affordable Care Act (ACA) "Marketplace" Plan. The Open Enrollment Period runs from November 1st through December 15th each year. There are also Special Enrollment Periods based on individual circumstances. With approximately 50 different plans available throughout South Carolina, there should be a Marketplace Plan that will fit your needs. 

 For full details contact Tom at 843.251.5200 

For those individuals and families that don't qualify for Marketplace Premium Tax Credits, there are health insurance companies that offer "Off Exchange" health plans which typically offer lower rates than full price Marketplace plans without premium tax credits. There are a wide range of plan options from which to choose.

 For full details contact Tom at 843.251.5200 

If you are changing jobs and you are not yet eligible to enroll in your employer's health plan, then a Short Term Medical plan is an excellent option to consider. STM Plans are available for periods that range from 30 days to 330 days. So if you missed enrolling in a Marketplace Plan, a longer length STM Plan can bridge the interim gap until the next Marketplace Open Enrollment Period. The are many reasons to consider a Short Term Medical Plan. To learn more, please call.

 For full details contact Tom at 843.251.5200 

Invariably, a Critical Illness is not something people ever expect to happen. And when it does, the financial impact can be almost as devastating as the critical illness itself. Lost income, unforeseen expenses, past due bills and more. With a Critical Illness Plan, the insurance company directly pays you the lump sum benefit if you are diagnosed with a covered critical illness. You are completely free to allocate the lump sum benefit payment however you choose to do so.

 For full details contact Tom at 843.251.5200 

When considering your various health plan options, one of the most important factors that may affect your plan choice is whether to choose a health plan offered by an "Exclusive Provider Organization" (EPO) or a "Health Maintenance Organization" (HMO). While both of these healthcare delivery formats are quite popular, which one will be the best fit for you and your family? Both types of organizations have a wide range of plans with differing features to choose from. At Term First USA, our commitment is to provide you with all the information that you and your family need in order to make a comfortable and informed decision. We're here to help!

 For full details contact Tom at 843.251.5200 

With several disabled members in my own family, I can speak first hand about the physical, mental and financial impact that a disability can have. As addressed in other overviews, a disability whether illness or injury is almost always unexpected. If you are no longer able to work, the sudden loss of your income source can be devastating to your entire family. As also cited in a prior overview, accidental death is the 3rd leading cause of death in America. An even greater number of people don't die and find themselves incapacitated with a long term disability. One of the best ways to protect your family, home and their way of life ... is to "Protect Your Income". We're here to help!

 For full details contact Tom at 843.251.5200