Health Insurance

Having access to affordable, comprehensive healthcare services provides peace of mind for you and your family members. KSA Insurance helps individuals in South Carolina and across the southeastern United States find healthcare plans that meet their unique needs. Our experienced insurance agents will work closely with you to compare plans and prices to find a healthcare solution that works for you. Learn more about our offerings below, and contact us today for a personalized health insurance quote.

Individual Health Insurance Plans

If you don’t have access to an employer-provided health plan, individual health insurance can give you access to the low-cost healthcare services that you need to live a comfortable life.

Health insurance helps individuals get care to treat injuries, illnesses, and chronic conditions. While health coverage is no longer required by federal law, it provides essential coverage that helps policyholders avoid expensive medical bills.

What’s Covered?

Coverage depends on your specific policy, but most health plans cover a wide range of medical services, including emergency care and standard doctor visits.

All health insurance policies are required to cover the following ten health services:

  • Preventative Care
  • Outpatient Care
  • Prescriptions
  • Emergency Care
  • Rehabilitation Services
  • Hospitalizations
  • Lab Services
  • Pediatric Care
  • Maternity Services
  • Mental Health Care Services 

Depending on your plan, you’ll be able to access additional healthcare services, such as telemedicine services. Most policies don’t cover anything considered unnecessary, including cosmetic procedures and fertility treatments.

Additional Coverage

There are several supplemental coverages that can be added to your health plan to provide more comprehensive coverage, including:

  • Vision Insurance
  • Dental Insurance
  • Catastrophic Health Insurance
  • Short-Term Health Insurance 

Depending on your needs, you may or may not benefit from adding additional coverages to your existing health insurance policy.

How Much Does Health Insurance Cost?

The cost of health insurance depends on several important factors, including:

  • Age
  • Location
  • Dependents
  • Tobacco Usage
  • Deductible
  • Copay
  • Coinsurance

Deductible, Copay, and Coinsurance Defined

View the definitions for these important terms: 

  • Your deductible is the amount you pay out of pocket before your insurance begins paying for coverage.
  • Copays are amounts you have to pay for certain types of coverage, regardless of whether your deductible has been met.
  • Coinsurance is the portion of your medical bills you have to pay after meeting your deductible.

Get A Quote

Health insurance provides essential coverage to policyholders and ensures you always have access to healthcare when you need it. KSA Insurance works with most major insurance carriers, including Blue Cross, Blue Choice, Cigna, United Healthcare, Assurant, and Trustmark, to help individuals find personalized policies that meet their financial and coverage needs.

Contact KSA Insurance today to request a quote and learn more about our health insurance products.

KSA Insurance Rated 5 / 5 based on 203 reviews. | Our Reviews