Senior Medicare Advantage plan insurance in Beaufort, SC

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Helping Seniors Make Better-Informed Medicare Decisions

Trying to pick a health insurance plan can be a chore for anyone. For many people, just mentioning the word "open enrollment" sends shivers down the spine. It seems like there's always a nagging feeling that you're wasting money, choosing a plan with poor in-network care, or both. One would think that health insurance gets easier as you approach retirement age, but the truth is that picking an initial Medicare coverage plan can be daunting.

Unfortunately, the confusing process of signing up for Medicare causes many seniors to forego healthcare coverage altogether. After all, Medicare enrollment can involve several federal agencies, including the Social Security Administration (or SSA) and the Centers for Medicare and Medicaid Services (or CMS).

At Senior Medicare Insurance Services, our passion is guiding seniors through the confusion of Medicare. That way, they can enjoy retirement with peace of mind knowing they are protected and ready for life after 65. We work with dozens of insurance companies, giving our clients the chance to choose a plan that best fits their lifestyle.

We choose to design our senior insurance plans with a focus on optimal benefits structure, lower costs, and personalized service. Some independent insurance agencies see their aging customers as nothing more than a financial transaction waiting to happen. In contrast, we treat each of our clients with respect and dignity as we help them navigate the confusing waters of Medicare. Combined with individualized service, we help older Americans make well-informed decisions about insurance. Whether you're in need of senior Medicare Supplement Plan insurance in Beaufort or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Beaufort, SC

Guiding You Through The Confusion of Medicare!

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What is Medicare?

If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.

Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.

There are four parts of Medicare:

 Senior Medicare Advantage Plan Insurance Beaufort, SC

This type of Medicare is free for most U.S. citizens. Medicare Part A helps older adults pay for care in a nursing facility, hospital visits, and some forms of in-home senior care.

This tier costs around $100 per month. It covers different outpatient services like lab tests, preventative care, doctor's visits, mental health care, clinical trials, and some forms of surgery.

This type of Medicare is most often called Medicare Advantage. This tier of Medicare allows seniors to choose health plans provided by insurance companies like Senior Medicare Insurance Services. Individuals who use Medicare Advantage commonly use Medicare supplement plan insurance to help pay for health care costs that Original Medicare won't cover, like coinsurance, deductibles, and copayments.

Sometimes called "PDPs," these plans add drug coverage to standard Medicare, some Medicare Private Fee-for-Service Plans (PFFS), some Medicare Cost Plans, and Medicare Medical Savings Account Plans (MSA).

The amount of money you pay for your health care depends on several factors, including:

At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.

Senior Medicare Supplement Plan Insurance in Beaufort

Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in "gaps" that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.

Private companies like Senior Medicare Insurance Services sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.

Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.

Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:

Deductibles

Copayments

Coinsurance

Important Information About Senior Supplement Plan Insurance

To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

 Senior Medicare Plans Beaufort, SC

As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

  • To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
  • Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
  • If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
  • If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
  • Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
  • You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
  • In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.

For many people, the best time to buy senior Medicare Supplement Plan Insurance in Beaufort is during the 7 months Medigap Open Enrollment Period. This period starts the day you turn 65 years old, so long as you hold Medical Insurance (Medicare Part B). Generally, during the enrollment period, you get more policy choices and better pricing. Once the enrollment period is over, you may not be able to purchase a Medigap policy. Contact Senior Medicare Insurance Services today to determine if you qualify for a Medicare Supplement Insurance Plan.

Senior Medicare Advantage Plan Insurance in Beaufort, SC

A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:

 Medicare Plans Beaufort, SC

In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.

How Medicare Advantage Plans Work

Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).

Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.

When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.

 Senior Health Insurance Beaufort, SC

Medicare Advantage Plan Insurance Rules

Medicare works by paying a set amount of money to the companies that offer senior Medicare Advantage Plan insurance in Beaufort. That money is used to pay for the care services that you need. Because Medicare Advantage Plans are different, you should expect out-of-pocket costs to vary depending on the plan you choose.

Different plans have different rules for how you receive services, such as:

  • If you must go to facilities, suppliers, or doctors that belong to your Advantage Plan for non-urgent and non-emergency care.
  • Whether you must get a referral to see a specialized doctor
 Healthcare Beaufort, SC

Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.

Paying for Your Senior Medicare Advantage Plan Insurance

How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.

We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.

 Burial Insurance Beaufort, SC

The Senior Medicare Insurance Services Commitment

Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:

  • Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.
  • Listening to your specific needs.
  • Responding to all inquiries and questions promptly and with a friendly attitude.
  • Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.
 Medicare Advantage Beaufort, SC

Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.

Latest News in Beaufort, SC

How you can see the US Navy Blue Angels in Beaufort

SAVANNAH, Ga. (WSAV) — Marine Corps Air Station Beaufort will host thousands at the upcoming MCAS Beaufort Airshow. Numerous performers and static displays are scheduled for the event, including the U.S. Navy Blue Angels.There is no cost to the general public to attend the show, however, tickets are on sale now for paid seating opportunities for those wanting to enjoy the ...

SAVANNAH, Ga. (WSAV) — Marine Corps Air Station Beaufort will host thousands at the upcoming MCAS Beaufort Airshow. Numerous performers and static displays are scheduled for the event, including the U.S. Navy Blue Angels.

There is no cost to the general public to attend the show, however, tickets are on sale now for paid seating opportunities for those wanting to enjoy the shows in comfort and convenience.

There are limits on paid-for tickets sold as these have specific seats:

Flight Line Chalet is limited to 500 tickets per day. This ticket includes snacks and refreshments that includes assorted fruit, pimento cheese dip, chips and cookies. Lunch will be pulled pork BBQ, bone-in smoked chicken, Carolina hash and rice, coleslaw, macaroni and cheese. Drinks include beer, wine, soft drinks and bottled water. Private restrooms and VIP parking is also included with the ticket purchase. Ticket prices for adults on Saturday are $175 and $160 on Sunday. Ticket prices for a child between the ages of 5 to 12 years old on Saturday are $125 and $110 on Sunday.

Observation Chalet is limited to 500 tickets per day. The Observation area is a tented area with seating in both shade and sunshine and is located on the flightline near the center of the show. Included with this ticket is a lunch of pulled pork BBQ, bone-in smoked chicken, Carolina hash and rice, coleslaw, macaroni and cheese, and dessert. Ticket prices for adults on Saturday are $135 and $120 on Sunday. Ticket prices for a child between the ages of 5 to 12 years old on Saturday are $95 and $80 on Sunday.

Box Seating is limited to 1,000 tickets per day. This reserved area has chairs for you and your family! Every person, regardless of age, must have a ticket to enter the box seating area. You will receive ONE ticket indicating the number of seats purchased. Wristbands will be provided for all of your seats when your ticket is scanned at check-in. Ticket prices for Saturday are a box of 10 for $350, a box of 6 for $210, and a box of four for $140.

Bleacher Seats is limited to 250 tickets per day. Every person, regardless of age, must have a ticket to enter the bleacher seating area. Ticket prices for Saturday is $12 and $10 for Sunday.

To purchase tickets, click here.

The Blue Angels air show is coming back to Beaufort, with a crowd of 150,000 expected

The wildly popular Blue Angels air show, which features aerial demonstrations by pilots flying blue and gold F/A-18 Super Hornets, will return to Beaufort in April after a three-year absence, Marine Corps Air Station Beaufort has announced.“We’re just excited they are coming back,” MCAS spokesman Capt. Thomas Jones told the Beaufort Gazette and Island Packet on Friday, “and we’re excited we’re going to be able to do the air show again in 2023.”The 2023 show will be April 22-23.Be...

The wildly popular Blue Angels air show, which features aerial demonstrations by pilots flying blue and gold F/A-18 Super Hornets, will return to Beaufort in April after a three-year absence, Marine Corps Air Station Beaufort has announced.

“We’re just excited they are coming back,” MCAS spokesman Capt. Thomas Jones told the Beaufort Gazette and Island Packet on Friday, “and we’re excited we’re going to be able to do the air show again in 2023.”

The 2023 show will be April 22-23.

Because of elevated public health protections that limited large crowds due to the COVID-19 pandemic, the last Blue Angels air show in Beaufort was in 2019.

There is no cost to the general public to attend the show, but paid seating areas are offered. The lowest prices, MCAS said, are available through Nov. 30 at beaufortairshow.com.

On Nov. 30, two aircraft with the U.S. Navy’s Flight Demonstration Squadron, also known as the Blue Angels, will visit the area to plan and coordinate with Air Station staff about the upcoming show, Jones said.

“It’s really a familiarization of the area for the pilots before they come out for the actual air show,” Jones said.

The air show, conducted once every two years, has drawn crowds as large as 100,000. MCAS is planning for up to 150,000 guests in April.

The last time residents got a glimpse of the Blue Angels was in April 2021, when they came to Beaufort for practice flights not formally open for public viewing.

The Blue Angel pilots are the stars of the air show but it also includes other aerial performances and aircraft displays on the ground.

Formed in 1946, the Blue Angels’ mission is to showcase the pride and professionalism of the Navy and Marine Corps through aerobatic flight demonstrations and community outreach.

Nicknamed “Fightertown East,” MCAS Beaufort is the home of the Marine Corps’ Atlantic Coast fixed-wing, fighter-attack aircraft assets. Marine Aircraft Group 31 is part of the 2nd Marine Aircraft Wing headquartered at MCAS Cherry Point, N.C. and is comprised of four F/A-18 Hornet Squadrons, two F-35B Lightning II training squadrons, an aviation logistics squadron and a wing support detachment.

Beaufort Co. officials want to take protected land for development. Council says not so fast

A rushed proposal by Beaufort County officials to gain access to 60 acres of protected land off Okatie Highway in Bluffton for a library and ball fields was postponed by the County Council, at least for now.The proposal, pushed by County Administrator Eric Greenway, raised eyebrows for several reasons:? The 60 acres would have been taken from the Rural and Critical Lands Preservation Program, which one council member described as “sacred.”? The county proposed swapping the 60 acres with two parcels of land th...

A rushed proposal by Beaufort County officials to gain access to 60 acres of protected land off Okatie Highway in Bluffton for a library and ball fields was postponed by the County Council, at least for now.

The proposal, pushed by County Administrator Eric Greenway, raised eyebrows for several reasons:

? The 60 acres would have been taken from the Rural and Critical Lands Preservation Program, which one council member described as “sacred.”

? The county proposed swapping the 60 acres with two parcels of land the county already owns, totaling 18 acres. Another council member questioned the point of the swap, noting that one of the two tracts already is protected from development.

? Greenway pushed the proposal at the Nov. 14 council meeting without giving the Rural and Critical Lands board time to review it and make a recommendation, as would be customary.

? The proposal was presented as a resolution, meaning it could have been passed with one vote Monday, without allowing time for multiple readings and public input.

“On its face, the loss of 60 acres of protected land in exchange for just 18 acres is concerning,” the Coastal Conservation League’s South Coast Director Jessie White said. “In addition, there is no analysis of the resource values lost and gained in this exchange.”

Council member Chris Hervochon also was not happy with the idea.

“I personally view that program [Rural and Critical Lands] as sacred. I think, even if we’re doing the right thing, even if the values are one for one, even if the stormwater impact is exactly the same, the public perception of ‘you took a property, you swapped it out, did it with one vote and didn’t send it back to Rural and Critical,’ potentially breaks the trust of us, with the public, with that program.”

Councilman Tom Flewelling said he didn’t understand the urgency. Ultimately, the council voted unanimously to postpone their vote so that the Rural and Critical board could review the swap and give the council its recommendation.

The County’s Community Development code does allow for land swaps within Rural and Critical, the cases where the land is either “no long suitable” or “needed for county use.”

The county says that the Rural and Critical board members weren’t shown the proposal because they didn’t hold their regular meeting. The council was only shown the proposal, according to county spokeswoman Elizabeth Wood, to “inform the council and receive guidance on the timeline to advance.”

However, Greenway painted a different picture when he was asked why the board hadn’t seen the proposal. While mentioning the Rural and Critical board’s lack of a November meeting, Greenway expressed that the board hadn’t received the proposal because Monday night was the last opportunity to get the resolution passed with current County Council members.

“If you all want to postpone it, just understand that it’s gonna have to come back in January,” Greenway said. “When not only do we have to reeducate you all again, but we’re also going to have to bring four new council members up to speed on this issue to try to get an affirmative vote.”

But the council wasn’t convinced.

“Even if it means having to bring four new people up to speed, I’d rather let them” have a say, said Flewelling. “Even though I would love to have a voice, I think it is appropriate for the council to wait and apparently staff isn’t enthusiastic about that.” Flewelling did not seek another term on the council, after redistricting put him in a new district.

The Rural and Critical Lands Board Chair Walter Mack declined to comment on the matter until the board has had the opportunity to look over the proposal, saying the board and the county have always worked well together.

Rural and Critical is a property tax, passed by Beaufort County multiple times since 1999. The money raised by the tax goes toward buying and protecting farms, forests, cultural and historic sites, passive parks and land critical for environmental protection. The Rural and Critical Board is under the umbrella of county government but operates autonomously.

The protected land would be split into three parcels, known as the Evergreen tract and New Leaf Parcel A and B. The county is targeting the Evergreen Tract and New Leaf Parcel B for the swap. New Leaf Parcel A, containing the wetlands the land was originally obtained to protect, will remain in the Rural and Critical Lands program.

The county estimates that only six of the 20 acres of the Evergreen tract will be used for the library and 25 of the 40 acres of New Leaf B will be used for the ball fields. The rest will be a buffer for the protected land, according to county spokesman Chris Ophardt.

In exchange, the county will add 18 acres of land, Camp St. Mary’s, a former summer camp for Catholic kids and waterfront property the county bought in 1999, and a parcel of land off of Bluffton Parkway, to the program. A smaller portion of the county’s property off Bluffton Parkway, parcel B, will be kept with the county looking to acquire more land and establish a recycling processing center there.

While the acreage is far from equal, the estimated value of the land is near equal, Ophardt said. However, the land has not been appraised.

White, of the Coastal Conservation League, called for an assessment of the natural resource values of Camp St. Mary’s and the Bluffton Parkway parcel to “ensure they will meaningfully contribute” to Rural and Critical’s inventory and compensate for the loss of already protected land.

The Evergreen and New Leaf tracts were included in Rural and Critical for stormwater management and to protect the headwaters of the Okatie River, according to White. The county is insistent that the goal of protection will still be accomplished despite the added facilities, which they say will be environmentally sensitive.

Flewelling, who’s district encompasses Camp St. Mary’s, said because the site was originally purchased by the county with the intent of protecting the land, adding the land to Rural and Critical’s inventory wouldn’t accomplish much.

“It’s kind of like the Rural and Critical lands program is swapping property that they own, for property that they own,” he said.

A similar land swap was done in 2015, when the county was planning its animal shelter near the same area.

Parents of two find their 'American Dream Home' in Beaufort, South Carolina: 'So special'

I’ve been a television broadcaster for over 20 years, so going in front of a camera is second nature to me, like breathing. And I sometimes forget that the families and couples we feature on "American Dream Home" have never been on television.I'm in awe of Dustin, introduced to viewers this week during another episode of "American Dream Hom...

I’ve been a television broadcaster for over 20 years, so going in front of a camera is second nature to me, like breathing. And I sometimes forget that the families and couples we feature on "American Dream Home" have never been on television.

I'm in awe of Dustin, introduced to viewers this week during another episode of "American Dream Home."

Dustin was young when he fell into addiction — but this week, he was brave enough to share with our viewers how he overcame a troubled past.

That, to me, is the American dream. You're given a second chance in our country — and Dustin was able to take that ball and run with it.

I caught up with him and his beautiful wife Amy to see how they’ve settled in to their new home, how the kids are doing — and if they enjoyed watching themselves on national television.

Seeing couples like Dustin and Amy chase their dream — and find the perfect home — is so thoroughly enjoyable!

Here's some of what we discussed.

Question for Dustin: Dustin, how is the business going? I had a feeling you were going to pick the home with enough space for your exercise equipment. Tell me more about your journey of becoming an entrepreneur.

Answer from Dustin: Becoming an entrepreneur and business owner was pretty much an accident. I had helped some friends with some shirts and apparel for my own [sports] team and they gave me some equipment they were not using.

A year or so later, we were headed to a softball event and didn’t have matching shirts. So I got the equipment working, made our team shirts — and at the tournament, other teams started asking where we got them.

I explained that I'd done them — and from there, people started asking me to do the apparel for them. It kind of snowballed from there.

I was working at a nonprofit drug, alcohol treatment and intervention program as a counselor from Mondays to Thursdays, 9 a.m. to 7 p.m. [So] I would come home, have dinner with Amy and then work at Doerflinger Athletics from 8 p.m. or so until the wee hours of the morning — and do it all over again.

Since then, I've been and running the business full time. The flexibility of working at home and being a business owner has allowed me to spend time with the girls as well as be involved their schools, etc.

We have been . We even bought each of the girls their own kayaks. We enjoy going on the boats and going fishing.

The girls are loving the hot tub, their "boat bed" room, regularly, and learning about and seeing all the loggerhead turtles this summer, [plus] deer, snakes, birds, and gators! So much to explore and learn.

We love showing our family what makes this area so special. We have a longer now, yet found some great schools for the girls.

Beaufort SC named one of 20 Most Beautiful Small Towns in U.S.

“The well-preserved and historic plantation homes, and enormous old trees take travelers back to another time and place.” That’s what TripsToDiscover.com said about Beaufort SC when they put it on the list of Most Beautiful Small Towns in the U.S. this week.Yes, Beaufort SC is getting more accolades, and we couldn’t be happier.In its article, the travel & tourism website made sure to note: “One of the oldest towns in South Carolina, it features inland rivers that meet the sea, a Spanish Moss Tr...

“The well-preserved and historic plantation homes, and enormous old trees take travelers back to another time and place.” That’s what TripsToDiscover.com said about Beaufort SC when they put it on the list of Most Beautiful Small Towns in the U.S. this week.

Yes, Beaufort SC is getting more accolades, and we couldn’t be happier.

In its article, the travel & tourism website made sure to note: “One of the oldest towns in South Carolina, it features inland rivers that meet the sea, a Spanish Moss Trail, and historic downtown with waterfront restaurants.”

“Beaufort almost always makes travel experts’ lists of the most charming small towns to visit in the South.”

“Join a walking tour or dolphin-watching cruise, then dine on sea-to-table cuisine at a local restaurant or stroll the picturesque streets lined with live-oak trees and antebellum-style mansions,” it added.

In being named on the list of Most Beautiful, Beaufort was in some good company with 19 other beautiful towns accompanying it, including Key West, Florida; Cooperstown, New York; Fairhope, Alabama; Asheville, North Carolina; Taos, New Mexico; Holland, Michigan and Sedona, Arizona.

This isn’t really that much of a surprise. We know that Beaufort is a very beautiful and picturesque place where you will always find that special Southern hospitality.

The accolades really have been pouring in for Beaufort recently, and we couldn’t be more proud.

Just a few months back, Southern Living named Beaufort the #1 Best Small Town in the South.

We’ve also recently been named one of the 25 Best Small Towns in America by Architectural Digest; the Most Charming Small Town in South Carolina; one of the Cutest Towns in the U.S. and the Most Quaint Town in South Carolina.

In addition to those, Southern Living magazine named the Old Sheldon Church ruins one of the South’s Most Beautiful Chapels; named Hunting Island State Park one of the Best State Parks in the South; and named downtown Beaufort’s Craven Street one of the South’s Most Beautiful Streets.

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