Personal Insurance

Affordable Health Insurance for Individuals &Families

We understand the challenge of finding affordable health insurance coverage that works for you. This is why Benefit Concepts offers our help and expertise for individuals. We don’t work for insurance companies. We work for you!

Simplifying Health Benefits

You have a lot to do and we are here to help you get back to it. We save you time while giving you peace of mind knowing you have the right health insurance coverage. From the beginning, we are here to answer your questions, review your policies, explain benefits, and help you save money.

During the enrollment meeting, we will provide a thorough explanation of your benefits options. After your coverage is in place, we are available for follow-up meetings to answer questions. Plus, we review your plan throughout the year to optimize your health insurance coverage and savings. We provide claims follow-up and resolution. At any time, you can speak directly to a Benefit Concepts team member for assistance, from brokers, agents, and staff members.

We simplify benefits, so you can get back to your life. We have deep industry knowledge with over 30 years of experience serving the insurance needs of our community. Our team has knowledge and hands-on experience that is both wide and deep. Personal Health Insurance Plans and Medicare-related plans include coverage from Blue Cross Blue Shield of South Carolina, Blue Choice Health Plan, and United Healthcare.

Personal Health Insurance

We offer solutions to meet your specific needs. If you have questions about your personal health insurance situation, contact us today to see how we can help you.

Products & Partners Options

Medicare Supplement

Medicare Supplemental Insurance is a type of private health insurance policy designed to work alongside Original Medicare, which includes Medicare Part A and Medicare Part B.

Products & Partners Options

Frequently Asked Questions

What types of health insurance plans are available, and which one is the best fit for my needs?

There are various health insurance plan types, such as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and High Deductible Health Plans (HDHPs). We’ll assess your specific healthcare needs and budget to help you choose the most suitable plan.

How much will the health insurance coverage cost me on a monthly basis, and what are the factors that affect the premium?

We’ll provide you with a clear understanding of the monthly premium and explain the factors influencing the cost, including your age, location, plan type, and any subsidies or discounts you may be eligible for.

What is the coverage level of the health insurance plan, and what medical services are included?

We’ll review the coverage details of the plan, including inpatient and outpatient services, prescription drug coverage, preventive care, and any additional benefits. This will help you make an informed decision based on your specific healthcare needs.

Can I keep my current healthcare providers and specialists under this plan?

We’ll check whether your current healthcare providers are in-network for the plan you’re considering. If maintaining your existing relationships with healthcare providers is essential, we’ll help you find a plan that accommodates this.

What are the out-of-pocket expenses, including deductibles, copayments, and maximum limits, that I should expect with this health insurance plan?

We’ll provide a breakdown of the plan’s cost-sharing structure, including deductibles, copayments for doctor visits and prescriptions, and maximum out-of-pocket limits, so you can budget accordingly.

Are there any wellness programs or incentives for preventive care to help me stay healthy?

We’ll check if the plan offers wellness programs or incentives for preventive care, as these can play a crucial role in your health and may lead to cost savings over time.

How does this plan handle pre-existing conditions, and are there waiting periods or exclusions?

We’ll explain the plan’s policies regarding pre-existing conditions, waiting periods, and any exclusions to ensure you understand how your specific healthcare needs will be covered.

What is the process for filing claims and accessing customer support for my health insurance inquiries?

We’ll provide guidance on how to file claims and access customer support from the insurance provider, ensuring you have the resources you need for a seamless healthcare experience.

Personal Health Insurance

Very few things are more complicated than navigating the insurance industry. This is particularly true when it comes to finding health insurance for you and your family. Balancing needs, regulations, and prices can be really stressful and it doesn’t need to be. The trusted professionals at Benefit Concepts are here to help you. We will guide you through the entire process, listening to your needs and matching you with the right plan to meet them. You don’t need to make these decisions uninformed, and you don’t need to find your plan alone. We’re here to help with all your questions and concerns.

Blue Cross Blue Shield of South Carolina
BlueChoice Health Plan
Healthcare.gov
GeoBlue

Medicare Supplement

No one loves the transition to Medicare. Determining what plan, what’s covered, and identifying the supplemental coverage you will need is complex. With all of the ads and mailers from companies offering Medicare supplement plans it can be even worse. The trusted professionals at Benefit Concepts have a thorough knowledge of Medicare and the available supplement plans. We’re here to help guide you to the decision you want, the one that’s best for you. This doesn’t need to be any more stressful for you, we understand that.

Blue Cross Blue Shield
Silver Script
Humana
Aetna

Our Customers

"Caroline Battey and the team at Benefit Concepts are wonderful to work with. They have assisted with our firm's health insurance plans for years and we would recommend them to any other small business."

- Rob Donaldson, Donaldson Law Firm

"Benefit Concepts is the administrator for my employer's benefit package and they provide excellent service. Over the past 3 years, I have needed various things (ID cards, etc) and instead of telling me to wait for mail, our representative, Caroline Battey is always helpful in sending a copy email or answering questions about our insurance. Highly recommend to any company looking for new benefits."

- Sharon Chapman, PMI Palmetto

"The people at Benefit Concepts were the best! We recently lost our health insurance after 35 years and they were able to put us in a great plan for an even better price! They are knowledgeable and professional in every way and highly recommend them for anyone needing insurance!"

- Jim Elliget

Get In Touch

Phone: 843-763-7718 | 800-542-3995 | Fax: 800-878-9970