South Carolina Health Insurance Pool

The South Carolina Health Insurance Pool (SCHIP) was created by the South Carolina General Assembly by Act 127 of 1989 in order to make health insurance coverage available to residents of South Carolina who are either unable to obtain health insurance because of a medical condition or whose premium for health coverage exceeds 150% of the pool rate. Senate Bill 287, which contains the amendments to SCHIP deemed necessary to make it an acceptable alternative mechanism under the provisions of section 2744(a)(1) of the Public Health Service Act, was signed into law by the governor on March 31, 1997.

South Carolina chose to enhance SCHIP so that it meets the requirements of an acceptable alternative mechanism. This is known as the state alternative mechanism (SAM). SCHIP coverage is not an insurance policy nor is it a Blue Cross Blue Shield of South Carolina policy. SCHIP coverage is administered by Blue Cross Blue Shield of South Carolina.

FAQ Disclaimer
These sample questions are only examples and the final determination regarding your eligibility will be determined by the SCHIP administrator.

Table 1 Rates
Table 1 rates apply if the applicant has never had previous health insurance. The applicant will have a six-month waiting period or pre-existing condition exclusion. If the individual is a federally defined eligible individual, an Alternative Trade Adjustment and Assistance Act (ATAA), Pension Benefit Guaranty Corporation (PBGC), or Trade Adjustment and Assistance Act of 2002 (TAA) qualified individual, any waiting period or pre-existing condition exclusion is waived to the extent to which similar exclusions, if any, were satisfied under the prior health insurance plan.

Table 2 Rates 
Table 2 rates apply if the applicant is paying a premium greater than 150% of the base rates for the SCHIP coverage (see the comparison rate sheets). The table 2 rates will apply for the first six months only. As of the seventh month of coverage, table 1 rates will apply. Any waiting period or pre-existing condition exclusion is waived to the extent to which similar exclusions, if any, were satisfied under the prior health insurance plan.
     
Comparison Rate Sheets
If the monthly premium you are currently paying for your personal health insurance is equal to or greater than the comparison rates listed, you may be eligible for SCHIP coverage. The comparison rates are not the premiums you will be paying if you are approved for the SCHIP coverage.