Are You Eligible?
Are You Eligible for Financial Help?
To determine if you’re eligible for financial help, there are resources available that will give you your options. Get more information.
Can You Keep Your Health Plan?
Based on the guidelines of the Affordable Care Act (ACA), you may or may not be required to make changes to your plan. Together, we can determine what you’ll need to do. Let’s start by figuring out when you got your current insurance policy from us.
Policies purchased on or before March 23, 2010 are considered grandfathered.
If you have a grandfathered plan and you are happy with your coverage, you can keep your plan! There is no need to switch out of your grandfathered plan unless you are sure it makes the most sense for you.
How Long Can I Keep My Grandfathered Plan?
If you have a grandfathered plan as an individual (not through an employer) and have not made major changes to your plan, you can keep it indefinitely. If you make major changes to your plan, the plan loses its grandfathered status.
Relax… you are covered with your grandfathered plan.
Should I Change Plans?
If you are satisfied with your current health plan, there is no need to change. You spent a lot of time and research choosing your current plan, so it is likely to be the best plan for your needs and budget. You can contact a BlueCross BlueShield of South Carolina representative if you need help deciding on the best option for you and your family.
How Do I Know if My Plan is Grandfathered?
If you are not sure when you purchased your plan, call us at 1-800-868-2500, ext. 46401 (8:30 a.m.–5:30 p.m. EST, Mon.–Fri.). A customer service representative will be happy to help you with any questions and concerns regarding your plan status.
Policies purchased after March 23, 2010 are considered non-grandfathered.
As a non-grandfathered (NGF) member, you will not have to worry about choosing a new plan until 2016. You will sometimes hear NGF plans referred to as Interim or Trust plans. Here's what that means:
- Interim Plan: Your policy became effective sometime between April 1, 2010 and September 15, 2010.
- Trust Plan: Your policy became effective sometime between October 1, 2010 and December 15, 2013.
When Will You Need to Make a Change?
If you have an Interim or Trust plan, you can keep your plan until October 1, 2016.
I am a small-business (50 or fewer employees) owner.
If you currently insure your employees with a BlueCross plan, you can keep the coverage you have. If the coverage you offer your employees is considered affordable under the health care reform law and meets the minimum value set by the law, then your employees will not be eligible for financial help (savings on your premium or out-of-pocket costs) if they buy their own coverage from the marketplace. Small-business owners can fall into the grandfathered or non-grandfathered segments.
If you have a grandfathered plan, you don’t need to do anything right now to continue with the same benefits that you and your employees are currently enjoying. If you have a grandfathered small-business plan and you’re happy with your coverage, you do not need to make changes or use the Health Insurance Marketplace. There is no need to change from your grandfathered plan unless you’re sure it makes the most sense for you and your employees.
If you have a non-grandfathered plan, we can help you find ways to continue to offer your employees coverage through a BlueCross plan. Contact one of our representatives to help you select the best coverage for your budget. Call 800-868-2500, ext. 41010, 8:30 a.m. – 5:30 p.m. EST, Monday - Friday.
I have group insurance through my employer.
If you get your insurance through a group, you do not need to make any changes in your coverage. Depending on the size of your company, your employer may need to make adjustments and will communicate to you the impact of these adjustments.
If the coverage your employer offers is considered affordable under the health care reform law and meets the minimum value set by the law, then you will not be eligible for financial help (savings on your premium or out-of-pocket costs) if you buy your own coverage from the Marketplace.