What happens when my group health coverage ends?
You have two options. You can apply for individual health coverage. The individual health insurance company underwriters do have the right to accept or reject your application. If they chose not to accept you under their plan then you would be eligible for the South Carolina Health Insurance Pool (SCHIP). The SCHIP is a state health plan designed to provide coverage for those who either do not have or have lost medical coverage at no fault of their own and are uninsurable. The SCHIP coverage is not an insurance policy nor is it a Blue Cross Blue Shield of South Carolina policy. The SCHIP coverage is administered by Blue Cross Blue Shield of South Carolina.

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1. Is my employer required to offer me health insurance coverage?
2. Can my employer change our health insurance carrier and level of benefits during the year?
3. Are all group health insurance policies regulated by the South Carolina Department of Insurance?
4. What happens to my group health coverage if I leave my employer?
5. After terminating employment, how long is my employer required to continue my insurance, and under the new federal law, isn't this coverage free and shouldn't it last forever?
6. What happens when my group health coverage ends?
7. My health insurance company has not paid my claim. What is the time frame for a company to process the claim?
8. I asked my employer to cancel my coverage due to lack of income. He says he can't do that until January 1. Why?
9. What is a “self-insured” plan?