South Carolina Group Health Insurance Information
Russell-Massey & Company of Columbia, SC has created a strong relationship with some of the
finest insurance carriers serving South Carolina, while maintaining our primary focus of serving
the employer's needs.
Most South Carolina small businesses offering their employees Group Health insurance plans
contribute towards the cost of the coverage. Some pay for all of the employees' premiums (for
single coverage) and have the employees pay the premium if they need coverage for their
families. Other small businesses pay a percentage of the total health insurance premium cost.
As the cost of health care continues to increase at a rate much faster than inflation, many large
employers and small businesses in South Carolina choose to have their employees make a
contribution towards the cost of health insurance coverage.
Also, self funding the Prescription Drug portion of the Group Health Plan can potentially result in
substantial health insurance cost savings. Contact us for information and to setup a self funded
prescription drug plan.
Managed Care vs. Fee-for Service
The health insurance plan that works best for your business is determined primarily by your
location, the physicians and hospitals available through the health insurance plan, options offered
by each insurance plan, and what your budget can accept.
Learn more about the types of Group Health Insurance plans we can offer your
South Carolina business by clicking on a link below!
Employee benefits are an important factor to any business in hiring and retaining a good work
force. We can provide assistance to your benefit administrator in answering employees questions
and requests pertaining to health insurance for groups of 20 or more. Every South Carolina
business needs to review their employee benefit health insurance plan to ensure that this major
expense continues to offer the highest quality group health insurance.
Click on the link below to fill out a secure quote request form for a South Carolina group health
insurance plan that regardless of whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important asset...your
employees. Or you can speak with our South Carolina Group Health Insurance specialist toll free
at (800) 849-7475 to discuss the insurance policy features in more detail.
We are a Columbia, SC insurance agency offering affordable South Carolina
group health insurance policy coverage to mid-sized, large, and small businesses
in the following towns, cities and counties in South Carolina: Chapin, Arthurtown,
Saluda Terrace, Sandwood, Arcadia Lakes, Cayce, Olympia, Forest Acres,
Dentsville, Eau Claire, West Columbia, Springdale, Denny Terrace, Belmont, St.
Andrews, Irmo, Oak Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres,
State Park, Haskell Heights, Lincolnshire, Ballentine, Killian, Red Bank, South
Congaree, Edmund, Gilbert, Summit, Gaston, Hopkins, Capitol View, Horrel Hill,
Fort Jackson, Pontiac, Elgin, Blythewood, Camden, Richtex, Whitehall, White
Rock, Sumter, Lugoff, Boykin, Rembert, Hagood, Horatio, Stateburg, Borden,
Wedgefield, Oswego, Gadsden, Fort Motte, St. Matthews, Swansea, Woodford,
Winnsboro, Pelion, Steedman, Samaria, Monetta, Batesburg-Leesville, Stoney
Hill, Prosperity, Newberry, Peak, Little Mountain, Slighs, Pomaria, Jenkinsville,
Rion, Winnsboro Mills, Simpson, Smallwood, Ridgeway, Orangeburg, Lexington
County, Fairfield County, Calhoun County, Sumter County, Kershaw County,
Saluda County, and Richland County, SC. We can also offer inexpensive South
Carolina small group health insurance coverage premiums to your small
business located anywhere in the Palmetto state, including in Florence,
Greenville, Spartanburg, Myrtle Beach, and Charleston, SC.
Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible.
Once the deductible is met, this type of group health insurance plan will pay a
percentage of what is considered the "Usual and Customary" charge for covered
services. The insurance company generally pays 80% of the Usual and
Customary costs and you're responsible for paying the other 20%, which is known
as co insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the difference.
South Carolina Fee-for-Service group health insurance allows your employee to
choose their doctor and any hospital for their medical services. Usually, an
employee will have a deductible such as $500 or more to pay each year before the
insurer starts paying. The plan will pay for charges such as medical tests and
prescriptions as well as from doctors and hospitals.
Fee-for-Service health insurance coverages for employer sponsored employee
benefits in South Carolina typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your South Carolina business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Fee-for-Service group health insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other
health care providers than managed care health plans, such as HMO, PPO, and
POS. Fee-for-Service employee health insurance may not pay for some
preventive care, such as check-ups, and is usually a more expensive health
insurance coverage than utilizing an HMO, PPO, or POS plan in South Carolina.
Click on the link below to fill out a secure quote request form for a South
Carolina Fee-for-Service (Major Medical) group health insurance plan that
regardless of whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important
asset...your employees. Or you can speak with our South Carolina Group
Health Insurance specialist toll free at (800) 849-7475 to discuss the policy
features in more detail.
Managed Care:
Fee-for-Service:
PPO Insurance Plan (South Carolina Group Health Insurance)
A PPO group health insurance plan is recommended for a South Carolina business
desiring to offer their employees convenient access to quality medical care with
effective medical management, a large and diverse network of primary care
physicians, medical specialists, hospitals and clinics.
An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other
services as required in an HMO. An employee can see doctors or specialists
outside your PPO network, however, your employees portion of the costs will be
higher.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a South Carolina
PPO health insurance plan.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Fee-for-Service:
Managed Care:
Learn more about the other types of South Carolina Group Health Insurance we
can offer your small business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a South Carolina
group PPO health insurance plan that regardless of whether you're a large
employer or a small business, will provide cheaper, comprehensive health
insurance coverage for your businesses most important asset...your employees.
Or you can speak with our South Carolina Group Health Insurance specialist toll
free at (800) 849-7475 to discuss the policy features in more detail.
HMO Insurance Plan (South Carolina Group Health Insurance)
An HMO group health insurance plan helps your South Carolina business control
health care costs through a closely managed plan with an emphasis on
preventive care. Each employee selects a Primary Care Physician from a
network of providers. The Primary Care Physician can coordinate the total care
of the employee to help ensure appropriate care is received. An employee may
also seek care from any provider in the network without a Primary Care
Physician referral, subject to a higher out-of-pocket expense.
Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list
of participating doctors. That doctor is used for typical circumstances such as
annual exams and usual health issues. If the employee needs to see a specialist,
be hospitalized, or have lab or X ray work, their doctor will refer them to a
provider or facility within the HMO system. Your employees doctor must give
authorization for those services to be covered by your HMO. In other words, an
employee must see HMO approved physicians and use HMO approved facilities
or pay the entire cost of the visit themselves.

* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders
a financial incentive to stay within that network.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health
and chemical dependency services, may carry additional costs in a South
Carolina HMO health maintenance plan.
Learn more about the other types of South Carolina Group Health Insurance we
can offer your small business by clicking on a link below!
Managed Care:
Fee-for-Service:
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (South Carolina Group Health Insurance)
A POS or Point-of-Service group health insurance plan allows your South Carolina
employees the option of accessing any medical provider without a primary care
physician referral and receive the highest benefit level. Similar to an HMO, a POS
stresses preventive care and offers closely managed benefits. A POS health
insurance plan also pays benefits for out-of-network care, but at a lower level than
for in-network care.
Costs that exceed the deductible are covered by a co-insurance plan in which your
employee and the insurance company share the cost for services covered by the
policy. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a South Carolina POS health
insurance plan.

Learn more about other types of South Carolina Group Health Insurance we can
offer your business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a secure quote request form for a South Carolina
group HMO health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health insurance
coverage for your businesses most important asset...your employees. Or you
can speak with our South Carolina Group Health Insurance specialist toll free at
(800) 849-7475 to discuss the features in more detail.
Click on the link below to fill out a secure quote request form for a South Carolina
group POS health insurance plan that regardless of whether you're a large employer
or a small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or you can speak with our
South Carolina Group Health Insurance specialist toll free at (800) 849-7475 to
discuss the insurance policy features.
Managed Care:
Learn more about other types of South Carolina Group Health Insurance we can
offer your small business by clicking on a link below!
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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South Carolina Group Insurance Solutions!
800-849-7475 toll free
803-779-7854
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
Richland County & Lexington County, SC