2010 Columbia Health & Wellness Guide

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Plan now or pay later

Navigating health care reform

Wellness programs on the rise

Programs aim to keep employees healthy and combat rising insurance costs

Lists & ResourcesA reference for business owners,

managers and professionals

Health & Wellness

2 0 1 0 A N E m P L o y E R ' s G u i d E

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At Palmetto Health, we’ve treated millions of patients from South Carolina and even some from around the world, ranging from those with routine cuts and bruises to the most critically ill and injured.

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Health & Wellness 2010: An employer’s guide 1

Palmetto Health is a nationally recognized leader in providing a wide

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level of patient satisfaction in the nation.

The Palmetto Health vision is to be remembered by each patient as

providing the care and compassion we want for our families and ourselves.

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Health & Wellness Lists & Resources

Contents

HEALTH & WELLNESS

2 Timeline for health reform implementation

4 Plan now or pay later A look at how health care reform will impact businesses

6 Wellness programs on the rise Programs aim to keep employees healthy while combating rising insurance costs

8 Consumers should ask questions about quality of care

9 Health Insurance Coverage & Income

LISTS & RESOURCES12 Top 25 Health Insurance Companies14 Hospitals14 Employee Benefit Brokers16 Urgent Care Centers

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Health & Wellness 2010

Timeline for health reform implementation

EARLy RETIREES: A temporary reinsurance program will help offset the costs of expensive premiums for employers providing retiree health benefits.

COvERAgE fOR yOUNg AdULTS: Parents will be able to keep their children on their health policies until the children turn 26.

ACCESS TO CARE: Funding will be increased by $11 billion over five years for community health centers and the National Health Services Corps to serve more low-income and uninsured people.

SmALL BUSINESS TAx CREdITS: Small businesses (25 or fewer employees and average wages under $50,000) that offer health care benefits will be eligible for tax credits of up to 35% of their pre-mium costs for two years.

“dOUgHNUT HOLE” REBATES: Medicare will provide $250 rebates to beneficiaries who hit the Part D prescrip-tion drug coverage gap known as the “doughnut hole.”

HIgH-RISk POOL: People with pre- existing conditions who have been un-insured for at least six months will have access to affordable insurance through

a temporary, subsidized high-risk pool. Premiums will be based on the average health status of a standard population. Annual out-of- pocket costs will be capped at $5,950 for individuals and $11,900 for families.

PROTECTION fOR CHILdREN: Insurers can no longer deny health coverage to children with pre-existing conditions or exclude their conditions from coverage.

PREvENTIvE CARE: All new group and individual health plans will be required to provide free preventive care for proven preventive services. In 2011, Medicare also will provide free preventive care.

ANNUAL REvIEW Of PREmIUm INCREASES: Health insurers will be required to submit justification for unrea-sonable premium increases to the federal and relevant state governments before they take effect, and to report the share of premiums spent on nonmedical costs.

NEW INSURANCE RULES: Insurance companies will be banned from rescinding people’s coverage when they get sick, and from imposing lifetime caps on coverage. Restrictions will be placed on annual limits.

Continued on Page 4 ➤

Reform will unfold incrementally. Although some major elements of reform begin in 2010, others will be implemented over the course of

several years.In 2014, the most substantial changes — including shared responsibility

for coverage, expansion of Medicaid, insurance exchanges and creation of an essential benefits package — will take effect. Source: The Commonwealth Fund

2010

2 Health & Wellness 2010: An employer’s guide

Health & Wellness

SECTION SPONSOR:

Welcome to the second annual edition of the Columbia Regional Business Report’s Health Care Guide. We created this publication to serve as a ready reference for business own-

ers, managers and professionals who want to control company health care costs and increase the productivity and loyalty of their employees through wellness and prevention initiatives. In this edition, we delve into the impact health care reform will have on large and small businesses, focus on the importance of corpo-rate wellness programs and offer ways to help consumers ensure they are getting quality health care.




Continued from Page 2 ➤

BENEfIT dISCLOSURE: Employers will be required to disclose the value of ben-efits provided for each employee’s health insurance coverage on the employee’s W-2 forms.

NEW PAymENT ANd dELIvERy APPROACHES: A new Center for Medi-care and Medicaid Innovation will test reforms that reward providers for quality of care rather than volume of services. Medicare will increase payment for pri-mary care physicians by 10% for primary care services.

CLASS ACT: A national, voluntary insur-ance program for purchasing community living assistance services and support (CLASS) will be established. All working adults will be automatically enrolled

— unless they opt out — through payroll deductions that, after five years, will qualify them for monthly payments toward services to help them stay at home should they become disabled.

PHARmACEUTICAL mANUfACTURER fEE: An annual, non-deductible fee will be imposed on pharmaceuticals and im-porters’ branded drugs, based on market share.

OTC dRUg REImBURSEmENT RESTRICTIONS: Over-the-counter drugs not prescribed by a doctor will no longer be reimbursable through flexible spend-ing accounts or health reimbursement arrangements, or on a tax-free basis in health savings accounts.

PHySICIAN qUALITy REPORTINg: Medicare will launch a Physician Compare

website where beneficiaries can compare measures of physician quality and patient experience.

“dOUgHNUT HOLE” dISCOUNTS: Medicare beneficiaries in the Part D pre-scription drug coverage “doughnut hole” will receive 50% discounts on all brand-name drugs. By 2020, the “doughnut hole” coverage gap will be closed.

PREmIUm SHARE SPENdINg: Health plans in the large-group market that spend less than 85% of their premiums on medical care, and plans in the small-group and individual markets that spend less than 80% on medical care, will be required to offer rebates to enrollees.

2012 mEdICARE vALUE-BASEd PURCHAS-INg: Medicare will reward hospitals that provide higher quality or better patient outcomes.

2013

AdmINISTRATIvE SImPLIfICATION: Health insurers must follow administrative simplification standards for electronic exchange of health information to reduce paperwork and administrative costs.

fLExIBLE SPENdINg LImITS: Contribu-tions to flexible spending accounts (FSAs) will be limited to $2,500 a year, indexed to the Consumer Price Index (CPI).

2011 2012 – 2013

With the passage of the mas-sive health care reform legislation, business lead-

ers are asking what they should do to navigate the new law, which is more than 1,000 pages long.

“The biggest thing is to get in and do planning now with their CPA or financial adviser,” said Bet-sy Roof, senior tax accountant with Derrick, Stubbs and Stith.

The Patient Protection and Af-fordable Care Act is so massive that it won’t be fully implemented until 2018. And Roof said she can’t say at this time how much of a financial impact the bill will have on busi-nesses. But she did say the impact will be different for every business.

“There are a lot of details that could help a lot of businesses, but they need to prepare,” she said.

determine the size of your business

Tom Christina, an attorney with Ogletree, Deakins, Nash,

Smoak and Stewart, advises that the first thing a business should do is determine whether it will be categorized as a small business — and therefore be eligible for the tax credits offered under the new law.

“A business could be considered large or small for different purpos-es,” he said. “It’s a tricky exercise to determine when a business is con-sidered large or small.”

For example, two separate companies might qualify as small businesses under the terms of the legislation; but if they are under the control of the same entity, they will be treated as one company and no longer qualify for the tax credit.

One of the complicating issues is that three federal agencies are

involved in the management of the legislation: the Department of Health and Human Services, the Department of Labor and the In-ternal Revenue Service.

“There is no guarantee that the three agencies will define things the same way,” Christina said.

One agency, for example, de-fines a large employer as a company that employs an average of 50 peo-ple or more in the preceding calen-dar year; another agency defines a small employer as one that has 25 or fewer full-time-equivalent em-ployees working an average of 30 hours or more, excluding owners and their family members.

“One is counting heads and the other is counting hours worked,”


Health care reform: Plan now or pay laterBy Bob Bouyea, [email protected]


SHAREd RESPONSIBILITy fOR COvERAgE: Individuals will be required to carry health insurance, and employers with 50 or more workers will be required to offer health benefits or be subject to a fine of $2,000 per employee (not counting the first 30 employees) if any worker receives governmental assistance with premiums through the insurance exchanges.

INSURANCE INdUSTRy fEE: Insurers will pay an annual fee, based on market share, to help pay for reform.

NEW RULES fOR INSURERS: Insurers will be banned from restricting coverage or basing premiums on health status. Annual, in addition to lifetime, limits on benefits are banned.

PREmIUm SUBSIdIES: Premium and cost-sharing assistance on a sliding scale

will make coverage affordable for families with annual incomes between $30,000 and $88,000 that buy plans through the exchanges.

mEdICARE mANAgEd CARE PLANS: Four- and five-star Medicare private plans will receive 5% bonuses as a reward for providing better clinical quality and pa-tient experiences.

INSURANCE ExCHANgES: New state-based marketplaces will offer small businesses and people without employer coverage a choice of affordable health plans that meet new essential benefit standards.

ESSENTIAL BENEfITS PACkAgE: The Department of Health and Human Ser-vices will establish an essential standard benefits package for policies sold in the exchanges, and individual and small-

group markets, with a choice among tiers of plans (bronze, silver, gold and platinum) that have different levels of cost sharing.

INdEPENdENT PAymENT AdvISORy BOARd: A new independent payment advisory board within the executive branch will work to identify areas of waste and federal budget savings in Medicare. The board’s recommendations must not ration care, raise taxes or change Medicare benefits, eligibility or cost sharing.

mEdICAId ExPANSION: Medicaid eligibility will be expanded to all legal residents with incomes up to 133% of the federal poverty level. Currently, states have different — and in many cases very low — eligibility thresholds, and most states do not cover adults without children.

HIgH-COST INSURANCE PLANS: Insurers will face a 40% excise tax on policies with premiums over $10,200 for individuals or $27,500 for family coverage.

Source: The Commonwealth Fund

2012 – 2013 2014 2018


Christina said.The latter, Roof explained, is the

IRS’ method for determining eligi-bility for the tax credit.

In 2012, employers will be tasked with more record-keeping too, meaning they may need to either hire more staff or outsource the work. One such new data pro-cess is having to report health ben-efits on W-2s, Roof said. Also in 2012, employers will have to supply 1099s to all vendors who are paid $600 or more.

That extra data could be a bur-den on the employer. And Roof said the IRS is asking for public comment about how to best imple-ment the requirement to help re-duce the burden.

William Wright, a partner with Fisher & Phillips law firm, said he has seen some anxiety about how the government is going to use the information.

“And what if you get it wrong? Will there be fines or fees?” he asked.

Apart from the tax credits and some other requirements, much of the health care reform will not kick in until four years from now, Wright said.

One thing a company needs to

keep in mind, regardless of when reforms kick in, is when its plan year begins, he said. A company might have to meet requirements earlier than expected, based on that date, Wright said.

grandfather statusThe act provides that certain

group health plans in existence on March 23, 2010, are subject only to certain provisions.

If grandfather status is granted, though, Wright said it can be eas-ily lost simply by making changes to policies. Some examples include entering into a new policy, elimi-nating benefits, increasing co-in-surance, or increasing deductibles or out-of-pocket limits.

But Christina added that if a company amends its plan but then rescinds the changes before they go into effect, the company will retain its grandfather status.

“A lot of these rules that run counter to normal business intu-ition are sort of like traps that can hurt a business in the long run,” he said. “They will lose exemptions and must comply to all mandates to the full-blown act.”

Change of planWhen the bill first came out,

many businesses classified as large employers said it would be more cost-effective to pay the penalty than to provide insurance as re-quired by this law.

Christina said he is hearing that less now than he did when the bill was passed. Companies are taking a harder look at the impact that deci-sion would make on their business, considering that they might have to provide the benefits to attract or retain workers if there is a high demand for the type of laborer they employ.

He also cautions small busi-nesses to keep an eye on what each state is doing in regard to insurance exchanges, which open to small employers in 2014. Some states will provide the insurance pool; others won’t. In those states that don’t, the pools will be managed by the Department of Health and Hu-man Services. And requirements and regulations could be different based on this.

Both Christina and Wright say the impact that reform will have on businesses depends on what amendments get piled on, chang-ing the law.

“I’m not counseling my clients that it will change, but I’m say-ing it’s subject to change,” Wright said. cr

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Reach Bob Bouyea at 803-401-1094, ext. 200.


Wellness programs on the rise Programs aim to keep employees healthy while combating rising insurance costsBy Allison Cooke Oliverius, [email protected]


A growing number of compa-nies intent on improving the health and well-being of their

employees — and boosting pro-ductivity and the bottom line — are implementing wellness programs.

In fact, a recent study by MetLife revealed that more than 37% of small companies and 61% of large companies nationwide now offer wellness programs, up from 27% and 46%, respectively, in 2005.

Health care reform could fur-ther increase these numbers, as $200 million has been set aside within the Patient Protection and Affordable Health Care Act to pro-vide grants for small companies to begin offering wellness programs. And in 2014, the law will enable all businesses to increase incentives for employee participation.

Why begin a wellness programDr. Ann Kulze, a corporate

wellness trainer, motivational speaker and owner of Just Wellness, says corporate programs began as a way for companies to reduce health care expenses but have evolved into a way to increase profits while mak-ing the workplace more inviting for employees.

“It’s not just about saving mon-

ey, it’s about making money — re-ally big money,” Kulze said. “There is a solid core of science telling us that unhealthy lifestyles increase health care costs.

“Workplace wellness decreases health care costs. And we now have a solid core of evidence that the programs also provide a positive

return on investment.” The most effective corporate

wellness programs are generally showing a return of $4 for every $1 spent, she said, adding that returns can be seen in 12 to 24 months.

How to begin a programCompanies vary in the design

of their wellness programs. Some human resources departments take responsibility for oversight of the wellness program; other compa-nies establish wellness committees, giving employees more control.

The Internet offers many useful tools to help create a program, and consultants like Kulze can design and administer a program for you for a fee.

Beginning a wellness program can be as simple as educating your employees on the advantages, then recruiting a committee of employ-ees to help develop a wide variety

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of programs to appeal to different types of employees.

Typical programs begin with a health assessment and, based on the wants and needs of the em-ployees, could include programs for weight loss or smoking cessa-tion. Employees might be invited to walk during their lunch hour or sign up to run a race together.

Monthly newsletters filled with health tips and nutritious recipes could be sent to employees. Lunch-and-learn workshops might be or-ganized, featuring local health and wellness professionals.

Some companies build on-site wellness centers where employ-ees, and sometimes family mem-bers, can work out or take a health education class. Other companies make sure healthy food is available or offer flexible work schedules so employees can exercise before, during or after work.

“Environmental changes are key,” Kulze said. “You have to take steps to ensure the work environ-ment is consistent with the goal of helping employees to be healthier.”

Experts caution that companies should be sure to be aware of the

legalities involved in setting up a wellness program. For example, you must be in compliance with the Americans with Disabilities Act and the Health Insurance Por-tability and Accountability Act.

Cash is kingSome companies offer incen-

tives to keep employees motivated, but the organizing of a support system among employees — and having buy-in from the top down — is crucial to success.

“The single greatest role model, and in my experience where com-panies have seen the greatest re-sults, is when the CEO is on board,” Kulze said. “If they see someone who has transformed their own health, it gets them fired up.”

Still, monetary incentives play a role in employee participation.

“Studies show incentives ab-solutely increase participation, and cash is king,” Kulze said. “Tax advantages, a reduction in health care premiums, gift cards … you’d be surprised at how little it takes to incentivize employees and get 75% to opt in.”

Some companies also imple-

ment disincentives — such as re-quiring smokers or those that are severely overweight to pay more for their health insurance — to try to get employees to focus on and improve their health.

Impact of health care reformUnder the health care reform

law, $200 million has been set aside to fund grants that will allow eligi-ble small employers to create well-ness programs. Eligible businesses include those with fewer than 100 employees who work 25 hours or more per week and did not have a workplace wellness program in place as of March 23, 2010.

“The big guys have had well-ness programs and even have well-ness coordinators on staff, but we all know that the companies that really hurt the most as a result of health care costs and poor health of employees are the small busi-nesses,” Kulze said.

In addition, in 2014, the act will allow employers to offer bigger in-centives for employee participation in health promotion programs. The cap for wellness incentives will increase from 20% to 30%.

“This is such a boon to the well-ness industry, and to businesses,” Kulze said. “Prevention and well-ness is the key aspect of the reform, and these incentives will really drive and incite more employers to get on the ball with workplace wellness initiatives.” cr

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Reach Allison Cooke Oliverius at 843-849-3149.

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get regular screeningsSimply having an annual physical exam can lead to better health and lower health care costs. The fre-quency at which you have an exam depends on your age and family history. generally: • Have at least one physical while

in your 20s.• Have a physical every one to two

years in your 30s.• Begin annual physicals at age 40.• Based on family history and physi-

cal health, a regular exam might be needed more frequently.

• Begin colon cancer screenings at age 50; begin at age 40 if you have a family history of colon cancer.


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Many people trust their doc-tors and health care provid-ers to make the best deci-

sions for them. Patients might feel intimidated or too embarrassed to ask questions or seek a second opinion, but the role of a respon-sible health care consumer is to as-sess the quality of health care.

Even though insurance might limit health care choices, consum-ers can still ensure basic standards of quality are being met.

Currently, few national stan-dards for health care quality exist, but organizations like the National Quality Forum and the Institute of Medicine are researching best practices and established standards for patient care.

The Institute of Medicine de-fines quality as “the degree to which health services for individuals and populations increase the likelihood of desired health outcomes and are consistent with current profession-al knowledge.”

Both organizations see qual-ity care as being safe, timely, effec-tive, beneficial, patient-centered, equitable and efficient. Standards of care would establish a ma-trix for achievement of these re-quirements for quality care. An example of a performance mea-sure would be immediate ad-ministration of an aspirin to a heart attack patient to keep blood clots from forming.

do your homeworkWith health care costs expected

to rise again in 2010, patients can’t afford to not be savvy consumers.

Employers should encourage their employees to ask questions and understand their health care.

Several websites allow patients to compare hospitals, such as www.hospitalcompare.hhs.gov, and see how they rank in terms of services and overall quality. A little research can go a long way toward money savings and better care.

Patients should also take the time to understand their treat-

ments, including tests and pre-scription medications. Medically sound websites can provide useful information on tests, drugs and po-tential treatments. Patients should arm themselves with some back-ground research so they can ask questions and intelligently discuss their care with their physician.

Educating health care consumers

The Agency for Healthcare Re-search and Quality, in conjunction with the Advertising Council, has

launched a campaign to encourage patients to take an active role in their health care, especially by ask-ing questions.

Materials available on the agen-cy’s website, www.ahrq.gov/ques-tionsaretheanswer, include a ques-tion builder that lets patients cus-tomize a list of questions to bring to their next doctor’s appointment.

“People spend more time men-tally preparing when they go to see the car mechanic,” said agen-cy director Dr. Carolyn Clancy. “People arrive (at the doctor) and

expect me to be the conductor. Many people will say they don’t get enough time with doctors. They are probably right, but if you think ahead and prepare with questions, you will get more out of the encounter.”

As an example, Clancy said that patients with a chronic illness who are engaged and active in their treatment have better results than those who are not.

In addition, asking questions can help you avoid becoming a victim of a medical error. Clancy points to a report her agency pub-lished with the American Hospital Association that focuses on five steps to safer health care:1. Ask questions if you have

doubts or concerns. With each medical encounter, people ask an average of 1.4 ques-tions, Clancy said, including questions about parking. “As a doctor, I can’t know what is in someone’s head.”

2. Keep a list of all medicines you are taking, including non-pre-scription medicines.

3. Get the results of any test or procedure. “What many people don’t appreciate is that there is no standard expectation for how to notify people about test results,” Clancy said. “Some doctors think no news is good news. You need to know the results.”

4. Talk to your doctor about which hospital is best for your needs, if you have more than one hos-pital you can choose from.

5. If you’re having surgery or some other procedure, understand the procedure.“These are steps you can take

even if you have limited choices (because of health insurance guide-lines),” Clancy said. “The more you participate, the better off you are.”

For a copy of “5 Steps to Safer Health Care” call the Agency for Healthcare Research and Qual-ity at 800-358-9295 or e-mail [email protected]. cr

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Consumers should ask questions about quality of careStaff Report


Inquiring minds = healthy bodiesThe following are 10 basic questions every patient should ask:

• What is this test for?• How many times have you done

this (test/procedure)?• When will I get the results?• Why do I need this surgery?• Are there any alternatives to this

surgery?• What are the possible complications?• Which hospital is best for my needs?• How do you spell the name of that

drug?• Are there any side effects?• Will this medicine interact with

medicines that I’m already taking?more questions can be found on

the question builder at www.ahrq.gov/questionsaretheanswer/question-Builder.aspx.Source: Agency for Healthcare Research and Quality, www.ahrq.gov

Online ResourcesThese sites can help you compare hospitals and research doctors.

Agency for Healthcare Research and quality www.ahrq.gov

American Hospital directory www.ahd.com

American medical Association www.ama-assn.org

docfinder www.docboard.org

federation of State medical Boards www.fsmb.org

Healthfinder www.healthfinder.gov

Institute of medicine www.iom.edu

Joint Commission www.jointcommission.org

National Institutes of Health www.nih.gov

National quality forum www.qualityforum.org

S.C. Hospital Association www.scha.org

U.S. department of Health & Human Services Hospital Compare www.hospitalcompare.hhs.gov




Health Insurance Coverage & Income% of population w/ health insurance coverage S.C. U.S. overall2004-2005 ........................84.0% ................................. 84.9%2007-2008 ........................83.9% ................................. 84.7%Change ............................. -0.1% ..................................-0.2%

% of employees in establishments that offer health insurance S.C. U.S. overall2005 ................................86.30% ............................... 86.90%2008 ................................87.40% ............................... 87.70%Change ..............................1.10% ................................. 0.80%

% of eligible employees enrolling in health insurance offered by employers S.C. U.S. overall 2005 ................................77.80% ............................... 79.60%2008 ................................75.80% ............................... 78.70%Change ........................... -2.00% ................................-0.9 [*]

% of premiums contributed by employees enrolled in employer-sponsored single coverage S.C. U.S. overall2005 ................................19.70% ............................... 18.10%2008 ................................19.00% ............................... 20.10%Change ........................... -0.30% ............................. 2.0 [***] % of working adults spending 20% or more of family income on out-of-pocket medical expenses S.C. U.S. overall2004 ..................................4.20% ................................. 3.50%2007 ..................................3.00% ................................. 2.80%Change ......................... -1.2 [**] ............................ -0.7 [***] [*] Significant difference between time periods at 90% confidence level[**] Significant difference between time periods at 95% confidence level [***] Significant difference between time periods at 99% confidence level Sources: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. Medical Expenditure Panel Survey-Insurance Com-ponent, 2008. Medical Expenditure Panel Survey-Household Component, 2007; Kaiser Commission on Medicaid and the Uninsured. Medicaid En-rollment in 50 States: June 2008 Data Update; U.S. Census Bureau. Current Population Survey Annual Social and Economic Supplement, 2005, 2006, 2008, 2009.

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Lists & Resources

Lists & Resources

SECTION SPONSOR

The following section is meant to serve as a ready reference for business owners, managers and professionals. In addition to a wealth of numbers and statistics related to

the health care industry, the Lists & Resources section includes a vast amount of information on the region’s top businesses in the health care industry presented in list form.

Selected Active, Non-federal S.C. Health Professionals by Primary County of Practice* Employment

Calhoun Fairfield Kershaw Lexington Newberry Richland Saluda Sumter

PHYSICIANS 1* PRIVATE OFFICE 2006 2 12 54 287 41 732 5 105

PHYSICIANS 1* OTHER OR NOT STATED 2006 0 6 19 101 10 532 3 52

REGISTERED NURSES 2006 28 60 274 1,524 155 4,825 47 629

LICENSED PRACTICAL NURSES 2006 27 50 155 356 99 985 32 162

PHYSICAL THERAPISTS 2008 0 0 3 17 2 55 1 7

PHYSICAL THERAPIST ASSISTANTS 2007 8 10 32 213 24 488 6 66

OCCUPATIONAL THERAPISTS 2007 1 4 12 39 5 105 2 23

RESPIRATORY CARE PRACTITIONERS 2* 2007 1 4 17 85 19 286 0 31

DENTISTS 3* PRIVATE OFFICE 2007 4 5 24 124 16 201 5 41

DENTISTS 3* OTHER OR NOT STATED 0 0 0 2 0 22 0 1

DENTAL HYGIENISTS 2007 2 2 24 162 12 185 6 36

PHARMACISTS 2007 1 6 12 47 4 81 0 22

OPTOMETRISTS 2008 2 6 12 79 9 206 3 27 1*: Physicians are included in their primary practice county as well as in any county in which they have a secondary private practice location. However, they are counted only once in state totals; therefore, the sum of the county totals will not equal the sum of the state totals. 2:* Totals for Respiratory Care Practitioners include Federal employees. 3*:Dentists are included in their primary practice county as well as in any county in which they have a secondary private practice location. However, they are counted only once in state totals; therefore, the sum of the county totals will not equal the sum of the state totals. Source: S.C. Department of Labor, Licensing and Regulation; SC B&CB Office of Research and Statistics



We are JCAHO compliant for medical employment needs.

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Top 20 Health Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008

CompanyPhone

Web Site* Premiums Written in South Carolina in 2008BlueCross and BlueShield of South Carolina4101 Percival RoadColumbia, SC 29223

800-550-6322www.southcarolinablues.com $1,204,823,794

United Healthcare Insurance Co.450 Columbus Blvd.Hartford, CT 06115

860-702-5000www.uhc.com $298,112,648

American Family Life Assurance Co. of Columbus1932 Wynnton RoadColumbus, GA 31999

843-266-1800www.aflac.com $64,661,718

Aetna Life Insurance Co.151 Farmington Ave.Hartford, CT 06156

860-273-0123www.aetna.com $64,393,734

Metropolitan Life Insurance Co.200 Park Ave.New York, NY 10166

212-578-2211www.metlife.com $57,972,686

Connecticut General Life Insurance Co.1601 Chestnut St.Philadelphia, PA 19192

860-726-6000www.cigna.com $56,817,076

Golden Rule Insurance Co.7440 Woodland DriveIndianapolis, IN 46278

317-715-7111www.goldenrule.com $49,637,432

Hartford Life and Accident Insurance Co.1 Hartford PlazaHartford, CT 06105

860-547-5000www.thehartford.com $42,883,822

Genworth Life Insurance Co.6604 W. Broad St.Richmond, VA 23230

888-322-4629www.genworth.com $33,098,526

Colonial Life & Accident Insurance Co.1200 Colonial Life Blvd. W.Columbia, SC 29210

803-798-7000www.coloniallife.com $32,435,121

Source: S.C. Department of Insurance. This list represents the top 20 health insurance companies in South Carolinabased on premiums written in 2009. *Some Web sites represent parent companies.DNR-Did Not Respond.

Researched by Clayton Wynne


Lists & Resources

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Top 20 Health Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008

CompanyPhone

Web Site* Premiums Written in South Carolina in 2008Time Insurance Co.501 W. Michigan St.Milwaukee, WI 53201

414-271-3011www.assuranthealth.com $30,759,797

Guardian Life Insurance Co. of America7 Hanover Square, H-26-ENew York, NY 10004

212-598-8000www.guardianlife.com $23,232,858

United World Life Insurance Co.Mutual of Omaha PlazaOmaha, NE 98175

402-342-7600www.mutualofomaha.com $23,046,251

Unum Life Insurance Co. of America2211 Congress St.Portland, ME 04101

207-575-2211www.unum.com $20,919,725

Lincoln National Life Insurance Corp.150 N. Radnor-Chester RoadRadnor, PA 19087

877-275-5462www.lfg.com $20,689,206

Principal Life Insurance Co.711 High St.Des Moines, IA 50307

515-247-5111www.principal.com $19,884,402

The Mega Life and Health Insurance Co.9151 Boulevard 26 / P.O. Box 982010North Richland Hills, TX 76182

800-527-5504www.megainsurance.com $19,600,117

Union Security Insurance Co.501 W. Michigan St.Milwaukee, WI 53201-3050

414-271-3011www.assuranthealth.com $19,350,721

State Farm Mutual Automobile Insurance Co.1 State Farm PlazaBloomington, IL 61710

888-411-4185www.statefarm.com $18,516,675

John Hancock Life Insurance Co.P.O. Box 111Boston, MA 02117

617-572-4067www.johnhancock.com $18,326,681

Source: S.C. Department of Insurance. This list represents the top 20 health insurance companies in South Carolinabased on premiums written in 2009. *Some Web sites represent parent companies.DNR-Did Not Respond.



Lists & Resources

http://www.rlbryan.com

HospitalsRanked by No. of Licensed Beds

Facility

PhoneFax

Website

No. ofLicensed

Beds Special Services

President/Year

FoundedPalmetto Health B1301 Taylor StreetColumbia, SC 29203

803-296-2273803-296-3363

www.palmettohealth.org1,247

High-risk obstetrics, trauma services, orthopedics, behavioral care, cardiology,oncology, neonatology, neurology, neurosurgery, medical and surgical services,

pediatrics, bariatric services, outpatient services, physician network

Charles D.Beaman Jr.

1892

Lexington Medical Center2720 Sunset Blvd.West Columbia, SC 29169

803-791-2000DNR

www.lexmed.com384

Cancer care services, cardiovascular services, emergency and urgent care,extended care and Alzheimer's care facility, laboratory and pathology, health

and wellness center, obesity surgery center, obstetrics and gynecology,radiation medicine, radiology, rehabilitation, sleep lab, surgery

MichaelBiediger

1971

Providence Hospitals C2435 Forest DriveColumbia, SC 29204-2026

803-256-5300DNR

www.providencehospitals.com304

Cardiovascular care through Providence Heart & Vascular Institute; medical andsurgical treatment of diseases and injuries of the bones, joints and spinethrough Providence Ortho & Neuro Spine Institute; outpatient and general

surgery; emergency care; women's services; cardiac and physicalrehabilitation.

George A. Zara1938

The Regional Medical Center of Orangeburg andCalhoun Counties3000 St. Matthews RoadOrangeburg, SC 29118-1498

803-395-2200DNR

www.trmchealth.org286

24-hour emergency room, proactive communitywide wellness program, single-room maternity care unit, same-day surgery center, senior care,

cardiopulmonary rehabilitation, comprehensive cancer center

Thomas C.Dandridge

1919

KershawHealth1315 Roberts St.Camden, SC 29020-7003

803-432-4311DNR

www.kershawhealth.org217 acute care, long-term care, urgent care, diagnostics, rehabilitation, outpatient

services

Donnie J.Weeks1913

Morris Village610 Faison DriveColumbia, SC 29203

803-935-7100803-935-5511

www.state.sc.us/dmh/morris_village174 Beds for chemical-dependent adults; evaluation, detoxification and treatment of

chemical dependence to a statewide service area; co-occurring disorders

GeorgeMcConnell

DNR

Newberry County Memorial HospitalP.O. Box 497 / 2669 Kinard St.Newberry, SC 29108

803-276-7570803-276-6885

www.newberryhospital.org102

General medical and surgical care for inpatient, outpatient and emergencyroom patients; outpatient behavioral health services; wound care; hyperbaric

medicine center; outpatient chemotherapy and infusion; radiation therapy

Ronald J. Vigus1925

HealthSouth Rehabilitation Hospital of Columbia2935 Colonial DriveColumbia, SC 29203

803-401-1400DNR

www.healthsouthcolumbia.com96 Physical, occupational and speech therapies

Michael A.Kozar, James

Rogers1989

Information presented was provided upon request from company representatives, and SC Biz News LLC assumesthe data is accurate and truthful. Not all hospitals are included, only those that responded to our informationinquiry. DNR-Did Not Respond.B Palmetto Health includes Palmetto Health Richland, Palmetto Health Baptist, Palmetto Health Baptist Easley,Palmetto Heart Health Hospital and Palmetto Health Baptist Parkridge.C Providence Hospitals includes Providence Hospital, Providence Heart Institute, Providence Hospital Northeastand Providence Orthopaedic & NeuroSpine Institute.


Employee Benefit BrokersRanked by No. of Full-Time Agents

Company

PhoneFax

Web Site

No. of Full-TimeAgents/

No. of Full-TimeSupport Staff Carrier Coverage Provided Locally

Top LocalExecutive/

YearFounded

David M. Gilston Insurance Agency455 St. Andrews Road, Building A, Suite 2Columbia, SC 29210

803-772-3122803-772-3124

www.dgilston.com

606

BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, GuardianLife, WellPath, West Coast Life

Faith H.Reynolds

1962

Alpine Agency1023 W. Dekalb St., Suite BCamden, SC 29201

803-432-4960803-432-4961

www.alpineagency.com

1525

American General Assurance, Assurant, BlueChoice, BlueChoice Healthplan,BlueCross BlueShield of S.C., Carolina Care Plan, Colonial Life, Genworth Life, Golden

Rule, Kanawha Insurance, United Healthcare, West Coast Life

Larry Baker1997

Davis-Garvin Agency Inc.One Fernandina CourtColumbia, SC 29212

803-732-0060803-781-1714

DNR

811

Aetna Life, American General Assurance, Assurant, BlueChoice, BlueChoiceHealthplan, BlueCross BlueShield of S.C., Carolina Care Plan, CIGNA, Colonial Life,Continental Life, Genworth Life, Golden Rule, Guardian Life, Hartford Life, JeffersonPilot Financial, Pacific Life, Principal Life, United Healthcare, Unum Life, WellPath,

West Coast LifeStarLine, Starmark, Nippon Life

Mark Fryer1981

GMM Insurance3685 Leaphart Road, Suite CWest Columbia, SC 29169

803-739-2345803-739-2186

www.gmminsurance.com

72

American General Assurance, Bankers Life and Casualty, BlueChoice, BlueChoiceHealthplan, BlueCross BlueShield of S.C., Carolina Care Plan, Genworth Life, Golden

Rule, Hartford Life, Principal Life, WellPath, West Coast Life

Marilyn Gray,Shawn Miller

2005

BB&T Boyle Vaughan Insurance1710 Gervais St.Columbia, SC 29201

803-748-0100803-252-2406

www.insurance.bbt.com

56

Assurant, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., CarolinaCare Plan, CIGNA, Colonial Life, Hartford Life, Jefferson Pilot Financial, Principal Life,

Provident Life, United Healthcare, Unum Life, WellPath

MelissaShealy1923

Clark & Co. Benefits2422 Devine St., Suite BColumbia, SC 29250

803-253-6997803-253-6998

www.clarkebenefits.com

54

American Family, American General Assurance, Assurant, BlueChoice, BlueChoiceHealthplan, BlueCross BlueShield of S.C., Carolina Care Plan, CIGNA, Colonial Life,Genworth Life, Golden Rule, Guardian Life, Hartford Life, Jefferson Pilot Financial,

Principal Life, United Healthcare, Unum Life, WellPath, West Coast Life

Norman V.Clarke1998

Keenan Suggs Bowers Elkins LLC1320 Main St., Suite 710Columbia, SC 29201

803-799-8490803-254-9968

ksbellc.com

510

Aetna Life, American General Assurance, Assurant, BlueChoice, BlueChoiceHealthplan, BlueCross BlueShield of S.C., Carolina Care Plan, Colonial Life, GenworthLife, Golden Rule, Guardian Life, Hartford Life, Jefferson Pilot Financial, Principal Life,

Provident Life, United Healthcare, Unum Life, WellPath, West Coast Life

Robert R.Bowers1975

First Sun EAP Alliance Inc.2700 Middleburg Drive, Suite 208Columbia, SC 29204

800-968-8143803-799-3772

www.firstsuneap.com

320 BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C. John Arnold

1992

Information presented was provided upon request from company representatives, and SC Biz News LLC assumesthe data is accurate.Not all local employee benefit brokers are listed, only those that responded to our information inquiry.Total number of employees reflects W2 agents only, excluding independent agents.DNR - Did Not Respond.



Lists & Resources

For the second year in a row, we’re the only

healthcare provider in South Carolina to make

Modern Healthcare’s list of the 100 Best Places to

Work in Healthcare.

Plus, we’re the only healthcare organization

chosen as one of the top 20 “Best Places to Work”

by the South Carolina Chamber of Commerce, the

Society for Human Resource Management-SC State

Council and the publishers of SC BIZ magazine.

Whether the recognition is local, statewide or

national, we believe it all begins with our vision…

To be remembered by each patient as providing

the care and compassion we want for our families

and ourselves.

Pictured clockwise from top left are just some of the Palmetto Health employees who live our vision: Amanda Oliver, Radiology; Becky Wadsworth, Pain Center; Shanna Wright , Corporate Compliance; Drew Royal l , Case Management; Eureka Robertson, Information Technology; Deborah Koochagian, Laboratory; and Curt is Green, Environmental Services .

PalmettoHealth.org

Nationally Recognized Again!


Urgent Care Centers Listed alphabeticallyDoctors Care – Beltline511 Beltline Blvd.Columbia, SC 29205Phone: 803-782-4051Fax: 803-790-6612Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Cayce977 Knox Abbott DriveCayce, SC 29033Phone: 803-794-0476Fax: 803-791-0971Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Columbia East7653 Garners Ferry RoadColumbia, SC 29209Phone: 803-783-2661Fax: 803-779-8882Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, diz-ziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Forest Acres4500 Forest Drive, Suite AColumbia, SC 29206Phone: 803-738-9522Fax: 803-787-8026Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Lexington247 Columbia Ave.Lexington, SC 29072Phone: 803-359-5533Fax: 803-359-0127Website: www.doctorscare.comHours: 8 a.m.-10 p.m. Mon.-Fri.; 9 a.m.-7 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Northeast110 Atrium WayColumbia, SC 29223Phone: 803-788-1153Fax: 803-736-3243Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Seven Oaks100 Jimmy Love LaneColumbia, SC 29212Phone: 803-772-5030Fax: 803-551-5477Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – West Columbia3240 Sunset Blvd.West Columbia, SC 29169Phone: 803-796-4251Fax: 803-796-4449Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Ridgeview4214 Hardscrabble RoadColumbia, SC 29223Phone: 803-736-8955Fax: 803-699-8049Website: www.doctorscare.comHours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun.Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and cir-culation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto ac-cident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Lexington Medical Center – Batesburg-Leesville338 E. Columbia Ave.Batesburg-Leesville, SC 29070Phone: 803-604-0066Website: www.lexmed.comHours: 8 a.m.-7 p.m. Mon.-Thurs.; 8 a.m.-5 p.m. Fri.-Sat.Services: Urgent care, family medicine, digital mobile mammography, X-ray and lab facilities

Lexington Medical Center – Chapin557 Columbia Ave.Chapin, SC 29036Phone: 803-932-0655Website: www.lexmed.comHours: 8 a.m.-7 p.m. Mon.-Fri.; 10 a.m.-6 p.m. Sat.-Sun.Services: Urgent Care, lab facilities, family medicine, OB/GYN services, digital mam-mography, CT, women’s imaging

Lexington Medical Center – Gilbert4080 Augusta Highway (U.S. Highway 1)Gilbert, SC 29054Phone: 803-892-1800Website: www.lexmed.comHours: 8 a.m.-5 p.m. Mon., Tues., Thurs., Fri.; 8 a.m.-noon Wed.Services: Urgent care, family medicine, X-ray, lab services, digital mobile mam-mography

Lexington Medical Center – Irmo7035 St. Andrews RoadColumbia, SC 29212Phone: 803-749-0924Website: www.lexmed.comHours: 7 a.m.-10 p.m. seven days a weekServices: Outpatient surgery, lab, radiology (CT, MRI, fluoroscopy, PET/CT, ultrasound), women’s imaging (full-field digital mam-mography, bone densitometry), physical therapy

Lexington Medical Center – Swansea935 W. Second St.Swansea, SC 29160Phone: 803-568-2000Website: www.lexmed.comHours: 8 a.m.-7 p.m. Mon.-Thurs.; 8 a.m.-5 p.m. Fri.-Sat.; Noon-5 p.m. Sun.Services: Urgent care, internal medicine, OB/GYN services, X-ray, lab services, CT services, digital mobile mammography

MinuteClinic – Columbia-Clemson RoadInside CVS/pharmacy No. 2250121 Clemson RoadColumbia, SC 29229Phone: 866-389-2727Website: www.minuteclinic.comHours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun.Services: Diagnosis and treatment of com-mon illnesses

MinuteClinic – Columbia-Hardscrabble RoadInside CVS/pharmacy No. 22694310 Hardscrabble RoadColumbia, SC 29229Phone: 866-389-2727Website: www.minuteclinic.comHours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun.Services: Diagnosis and treatment of com-mon illnesses

MinuteClinic – IrmoInside CVS/pharmacy No. 55491008 Lake Murray Blvd.Irmo, SC 29063Phone: 866-389-2727Website: www.minuteclinic.comHours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun.Services: Diagnosis and treatment of com-mon illnesses

MinuteClinic – Lexington-Lake Drive NorthInside CVS/pharmacy No. 73345608 Sunset Blvd.Lexington, SC 29072Phone: 866-389-2727Website: www.minuteclinic.comHours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun.Services: Diagnosis and treatment of com-mon illnesses

MinuteClinic – BallentineInside CVS/pharmacy No. 70121330 Dutch Fork RoadBallentine, SC 29063Phone: 866-389-2727Website: www.minuteclinic.comHours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun.Services: Diagnosis and treatment of com-mon illnesses

MinuteClinic – Lexington- South Lake DriveInside CVS/pharmacy No. 54711071 S. Lake DriveLexington, SC 29073Phone: 866-389-2727Website: www.minuteclinic.comHours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun.Services: Diagnosis and treatment of com-mon illnesses


Lists & Resources

Documents

2010 Columbia Health & Wellness Guide