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Healthcare Exchange Set Up Update

Healthcare Exchanges are slated to be in place late this year.  A New York Times article by Robert Pear provides update on the status of most states with regards to set up their respective state-based exchanges. – David

Most Governors Refuse to Set Up Health Exchanges

By Robert Pear

Published: December 14, 2012


WASHINGTON — The Obama administration said Friday that more than half the states had rejected its pleas to set up their own health insurance exchanges, dealing a setback to President Obama’s hopes that Republicans would join a White House campaign to provide health insurance to all Americans.

Friday was the deadline for states to notify the federal government of their plans, and administration officials had been hoping that Mr. Obama’s re-election would overcome resistance to the new health care law.

Federal officials said they knew of 17 states that intended to run their own exchanges, as Congress intended.

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COBRA or State Continuation?

There are two possibilities concerning your right to continue your health coverage upon terminating employment.  For groups under 20 employees, state continuation applies.  State continuation in South Carolina only includes major medical (dental is not included) and it lasts for up to six months.  For companies with more than 20 employees, COBRA applies.  Cobra is a federal law with much stricter rules on compliance.  Cobra lasts for 18 months for most people, although in certain circumstances, Cobra can last up to 36 months.  Most coverages in which the employer contributes any portion of the premium is included in Cobra continuation, including major medical and dental.  For both COBRA and State Continuation, terminated employees must elect continuation in a timely manner, and pay the premiums to the employer in a timely manner as specified in the continuation letter you receive.

Because Cobra is very complex and because Cobra rules and regulations can change at any time, Sandhills Insurance Group recommends that all of our group clients out-source Cobra administration to the health carrier or to a company like American Benefit Services (Mark Riley, Irmo, SC).  Cobra administration is very inexpensive, and the burden of the liability for errors, which is enormous – is shifted away from your company to the Cobra administrator.  For more information, give me a call (843) 251-4896 or visit David

HOAs Now

Attention Property Managers and Home Owner’s Association Board Members

        Sandhills Insurance Group has terrific packages for your association. We know where to improve and enhance coverage you need, and where to trim costs you don’t need to pay. Our carriers are very interested in covering your association, be it condos, residential homes, resort living, or beach front. Give us a call (843) 251-4896 or email to get sound expert advice that can save you money and reduce your liability.

Welcome to Sandhills Insurance Group!

Sandhills Insurance Group is here for you! Serving the Carolinas and beyond, Sandhills offers a range of products and services to meet your insurance needs through life’s ups and downs. Contact Sandhills, bring the entire market place to your fingertips and get the coverage you want at the price you need.

For employers, Human Resource officers, and individuals, Sandhills offers solutions, providing abundant resources and support to find you the right coverage at the right price. Requesting a quote is simple, whether you seek Worker’s Comp, Health, Life, Dental, Disability, Home, Auto, or Commercial Property and Liability coverage.

Take a look around our website, and you will find information and resources that make plain sense of a host of insurance concerns. Sandhills Insurance Group is your partner in life, helping you manage risk and achieve security through life’s ups and downs.