Insurance in Columbia
Data source: US Census year 2000
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Uninsured in Lexington County
Columbia is in Lexington County.
One out of ten people in Lexington County (12.2%) lack health insurance. In the state of South Carolina, 14.7% are without.
Among the population under 18 years in Lexington County, 9.2% are uninsured, while the figure for South Carolina is 12.1%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Columbia
Cities are generally less safe to live in than small towns. Violent crime in Columbia is 135.7% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Columbia is 81.5% higher than nationally.
There are 6053 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Columbia (5% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 77% of Columbia residents drove to work, and 4% used public transport. 13% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Columbia, South Carolina Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Columbia, South Carolina
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American Reimbursement Compliance Consultants
(803) 376-60152231 Devine St
Columbia, South Carolina 29205-2419 -
Anthony, Richard S - State Farm Insurance Agent
(803) 781-98106226 Old Bush River Road
Columbia, South Carolina 29212-6650 -
Bluecross Blueshield of South Carolina
(803) 699-130710248 Two Notch Rd
Columbia, South Carolina 29229-4384 -
Bluecross Blueshield of South Carolina
(803) 787-04041310 Lady St
Columbia, South Carolina 29201-3391 -
Bluecross Blueshield of South Carolina
(803) 772-3122455 Saint Andrews Rd # 2
Columbia, South Carolina 29210-4424 -
Bluecross Blueshield of South Carolina
(803) 776-9093769 Greenlawn Dr
Columbia, South Carolina 29209-2630 -
Boyle Robert G Ins
(803) 748-01001710 Gervais St
Columbia, South Carolina 29201-3416 -
Brock, Terri DuBose - State Farm Insurance Agent
(803) 772-40006158 St Andrews Road
Columbia, South Carolina 29212-3122 -
Capital City Financial Group Inc
(803) 419-0851108 Columbia Ne Dr Ste E
Columbia, South Carolina 29223-6433 -
Clark Paul M
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Coleman, John B - State Farm Insurance Agent
(803) 783-21007360 Sumter Hwy
Columbia, South Carolina 29209-2109 -
Colonial Life & Accident Insurance Company Corporate Headquarters
(803) 798-70001200 Colonial Life Blvd W
Columbia, South Carolina 29210-7646 -
Companion Health Care
(803) 786-84664100 Percival Rd
Columbia, South Carolina 29229-8307 -
Companion Healthcare
(803) 786-8466Po Box 6170
Columbia, South Carolina 29260-6170 -
Consolidated Benefits
(803) 736-5078115 Atrium Way
Columbia, South Carolina 29201-6371 -
Courson John E
(803) 799-5533700 Huger St
Columbia, South Carolina 29201-3618 -
Cunningham, Rudolph - State Farm Insurance Agent
(803) 788-033410120 Two Notch Rd Ste 3
Columbia, South Carolina 29223-4395 -
Davis Hinton G Ins
(803) 732-00601 Fernandina Ct
Columbia, South Carolina 29212-2345 -
Davis-Garvin Agency
(803) 407-47121 Fernandina Ct
Columbia, South Carolina 29212-2345 -
Desportes Robert A Jr Ins
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Dickson Alex A Ins
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Dreyer, Randell W - State Farm Insurance Agent
(803) 798-0708776 St Andrews Road
Columbia, South Carolina 29210-5115 -
Eaddy Ryan F
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Eaddy W Paul Jr Ins
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Eidson, Christopher Scott - State Farm Insurance Agent
(803) 779-00632549 Forest Drive
Columbia, South Carolina 29204-2009 -
Elfert Jr, Charles G - State Farm Insurance Agent
(803) 772-5554210 Outlet Pointe Blvd
Columbia, South Carolina 29210-5667 -
Farm Bureau Insurance Sales Offices
(803) 749-91717501 Irmo Dr
Columbia, South Carolina 29212-8637 -
Farm Bureau Farm Bureau County Offices
(803) 822-4189, (803) 699-75649308 Two Notch Rd # A
Columbia, South Carolina 29223-6416 -
Fernell-Hoffman Agency
(803) 791-7022
Columbia, South Carolina 29201 -
Fickling E Reed III
(803) 748-01001710 Gervais St
Columbia, South Carolina 29201-3416 -
Finley David B Jr Ins
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Ford, Arthur B - State Farm Insurance Agent
(803) 738-94184408 Forest Drive
Columbia, South Carolina 29204-4918 -
Fortis
(803) 419-297014 Office Park Ct
Columbia, South Carolina 29223-5947 -
Fowles Will B Ins
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Gary Williamson Ins Agcy Inc - State Farm Insurance Agent
(803) 749-1279132 Harbison Blvd, Suite 100
Columbia, South Carolina 29212-2221 -
Gavin Patricia A Ins
(803) 254-94042230 Devine St
Columbia, South Carolina 29205-2417 -
Gilbert Jr, Jimmy E - State Farm Insurance Agent
(803) 799-30771415 Park Street
Columbia, South Carolina 29201-3113 -
Hafner Frank W Ins
(803) 748-01001710 Gervais St
Columbia, South Carolina 29201-3416 -
Hanna, Marion C - State Farm Insurance Agent
(803) 782-11041700 Decker Blvd
Columbia, South Carolina 29206-5281 -
Hartman & Young Financial Group
(803) 776-9093769a Greenlawn Dr
Columbia, South Carolina 29209-2630 -
Hodge, Kenneth R - State Farm Insurance Agent
(803) 772-50373630 Bush River
Columbia, South Carolina 29210-4857 -
Isaac Insurance Agency Inc - State Farm Insurance Agent
(803) 779-66501920 Bull Street
Columbia, South Carolina 29201-2508 -
Johnson, Ashley L - State Farm Insurance Agent
(803) 772-01371205 Broad River Road
Columbia, South Carolina 29210-7618 -
Martin Henry Buck
(803) 782-64004015 Forest Drive
Columbia, South Carolina 29204-4350 -
Mikell I Jenkins III
(803) 738-81836 Calendar Ct
Columbia, South Carolina 29206-4715 -
Palmetto Insurance Group Llc
(803) 738-81836 Calendar Ct
Columbia, South Carolina 29206-4715 -
Peacock Thomas H
(803) 738-81836 Calendar Ct
Columbia, South Carolina 29206-4715 -
Piercy, Charles C - State Farm Insurance Agent
(803) 788-12007626 Two Notch Road
Columbia, South Carolina 29223-6222 -
Plank, Steven Craig - State Farm Insurance Agent
(803) 788-83417401 Parklane Road
Columbia, South Carolina 29223-7617 -
Prioleau Insurance Services
(803) 254-22622640 Gervais St
Columbia, South Carolina 29204-2378 -
Ray Grady Agency
(803) 788-81851636 Horseshoe Dr
Columbia, South Carolina 29223-6202 -
Reserve National Insurance Company
(803) 750-0409146 Leisure Ln
Columbia, South Carolina 29210-4125 -
Roy Don & Associates
(803) 252-34641825 Saint Julian Pl
Columbia, South Carolina 29204-2424 -
Sease Robby Farm Bureau Ins
(803) 749-91717501 Irmo Dr
Columbia, South Carolina 29212-8637 -
Southeastern Insurance Consultants
(803) 732-72847223 Saint Andrews Rd
Columbia, South Carolina 29212-1164 -
Stewart & Monroe Inc Health Insurance Agency
(803) 699-130710248 Two Notch Rd
Columbia, South Carolina 29229-4384 -
Tanner III, James Wesley - State Farm Insurance Agent
(803) 865-78002768 Decker Blvd
Columbia, South Carolina 29206-0001 -
Thierrien, Wayne D - State Farm Insurance Agent
(803) 736-59998810 Farrow Road
Columbia, South Carolina 29203-9727 -
Weathersbee, William A - State Farm Insurance Agent
(803) 788-79819440 Two Notch Road
Columbia, South Carolina 29223-5902 -
Whitehead Don B Insurance Agency
(803) 256-75181735 Saint Julian Pl Ste 104
Columbia, South Carolina 29204-2402 -
Wilson, Marilyn Fitch - State Farm Insurance Agent
(803) 788-288410201 Two Notch Road
Columbia, South Carolina 29229-4387
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Columbia Facts
Data source: US Census year 2000
Population
Population in Columbia is 115,575.
51% of Columbia residents are White, 42% are African-American, 4% are Asian, 2% are a mix of two or more races, and 1% are of some other race.
Economy
The median income in Columbia is $21,319 for men, and $15,046 for women.
Compared to the typical person in the state of South Carolina, a resident of Columbia makes 24% less. The trend for South Carolina is that the median income is increasing. (2006)
7,763 people (7% of the population) were living on an income below the poverty level as of 2006. The poverty in Columbia was decreasing compared to the year before.
The typical home is worth $147,500. 30% of Columbia homeowners own their home outright, paying typically $382 per month in owner costs. Among those with a mortgage (70% of homeowners), the median monthly owner cost is $1,241. (2006)
Housing
There are a total of 48,672 homes in Columbia. Of these, 1,076 were for sale, and 2,671 homes were available to rent in 2006. 20,111 (48%) were owner-occupied, and 21,524 (52%) were occupied by renters. (2006)
Age
The median age for men in Columbia is 27, and in South Carolina the average man lives to be 72. The median age for women in Columbia is 31, and women in South Carolina live to be 78, on average. (2006)
Education
The education level in Columbia is high compared to the national average.
Among men over 25, 45% has a college degree, and 18% has some college. Out of the men that didn't study in college, 55% graduated from High School, and 45% dropped out.
Among women over 25, 47% has a college degree, and 18% has some college. Out of the women that didn't study in college, 60% graduated from High School, and 40% dropped out. (2006)
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