Senior Medicare Advantage plan insurance in Bluffton, 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 Bluffton or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Bluffton, 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 Bluffton, 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 Bluffton

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 Bluffton, 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 Bluffton 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 Bluffton, 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 Bluffton, 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 Bluffton, 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 Bluffton. 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 Bluffton, 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 Bluffton, 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 Bluffton, 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 Bluffton, SC

South Street Partners Announces Final Closing of Oversubscribed Inaugural Discretionary Fund

CHARLOTTE, N.C. and CHARLESTON, S.C., July 27, 2022 /PRNewswire/ -- South Street Partners ("South Street") a leading private equity real estate investment firm headquartered out of Charlotte, NC and Charleston, SC, announced the final close of SSP GP Fund I (the "Fund") yesterday. The firm's inaugural discretionary commingled fund raised over $225 million, significantly exceeding an original target of $100 million. The Fund was formed to continue South Street's established track record of executing on opportunistic, value...

CHARLOTTE, N.C. and CHARLESTON, S.C., July 27, 2022 /PRNewswire/ -- South Street Partners ("South Street") a leading private equity real estate investment firm headquartered out of Charlotte, NC and Charleston, SC, announced the final close of SSP GP Fund I (the "Fund") yesterday. The firm's inaugural discretionary commingled fund raised over $225 million, significantly exceeding an original target of $100 million. The Fund was formed to continue South Street's established track record of executing on opportunistic, value added and special situation investment opportunities in real estate assets located in the Southeastern United States as well as select U.S. and international markets.

The Fund's GP structure enables South Street to scale its successful 13-year strategy of partnering with institutional investment firms on large cap transactions as well as to pursue small and mid-cap deals utilizing the Fund's balance sheet. In addition, the firm expects to generate co-investment opportunities for its limited partners. The Fund could provide South Street with as much as $2.25 billion of unlevered buying power via these partnerships and co-investment vehicles.

The Fund can invest across the entire spectrum of real estate asset classes but will be primarily focused on upscale and luxury resort and residential opportunities including its first two investments:

The Fund secured commitments from a broad range of high-quality limited partners including family offices, Registered Investment Advisors, wealth management firms, funds of funds and high-net-worth investors through an oversubscribed fundraising process.

"As a former fund-less sponsor raising capital on a deal-by-deal basis, reaching the closing of our inaugural U.S. discretionary commingled fund is a major achievement," said Chris Randolph, Partner. "Raising this fund through the pandemic certainly created challenges but we are honored by the outsized investor demand the fund received, which we believe is not only related to compelling opportunities that we are seeing but also the reputation and track record we've built over the past 13 years."

The Fund will seek to generate attractive risk-adjusted returns for its limited partners by:

"The current environment and demographic trends in our markets of focus create significant opportunities for the Fund's investment strategy," said Patrick Melton, Co-Founder and Managing Partner of South Street. "We believe our history of sourcing and executing a wide range of complicated transactions throughout various stages of the market cycle while providing excellent returns to our investors over the last decade is one of the main reasons investor appetite was so strong."

Todd Whitenack, Co-Managing Partner of BBR Partners, whose firm's clients anchored the Fund, stated, "Our firm was delighted to be part of this raise and we believe the strong interest from our clients is related to South Street's track record, unique value proposition as well as the relevance of the strategy in the post Covid world."

Since its founding in 2009, South Street has established itself as one of the country's preeminent private residential club and resort investors. The firm has executed on some of the industry's most recognizable trades over the last decade, including North Beach Towers, Kiawah Partners, Doonbeg, Christophe Harbour, The Cliffs Communities, The Residences at Salamander and Palmetto Bluff.

About South Street Partners

South Street Partners is a private equity real estate investment firm headquartered in Charlotte, NC, and Charleston, SC and the largest owner of private residential club and resort communities in the Southeast – including Kiawah Island Club and Kiawah Island Real Estate, Palmetto Bluff, The Cliffs, and the Residences at Salamander. Founded in 2009, South Street has deployed over $500 million of equity across resort, residential and commercial properties and has over $1.3 billion of assets under management. South Street acts as a principal investment platform as well as an operating partner and co-investor for institutional partners interested in special situations, opportunistic and value add real estate investments in the Southeastern United States as well as select continental US and international markets. SouthStreetPartners.com

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SOURCE South Street Partners

Palmetto Bluff is getting a new golf course next year. Here’s who will design it

A second golf course is being planned for Palmetto Bluff, Bluffton’s largest private residential community.South Street Partners, the owners of Palmetto Bluff, have commissioned King-Collins Golf Course Design to design the new course. This will be the first golf project at the lowcountry community since the last course — the Jack Nicklaus Signature May River Golf Course — was built in 2005.“It is truly an honor to receive this commission, and we look forward to delivering one of the most unique playing ...

A second golf course is being planned for Palmetto Bluff, Bluffton’s largest private residential community.

South Street Partners, the owners of Palmetto Bluff, have commissioned King-Collins Golf Course Design to design the new course. This will be the first golf project at the lowcountry community since the last course — the Jack Nicklaus Signature May River Golf Course — was built in 2005.

“It is truly an honor to receive this commission, and we look forward to delivering one of the most unique playing experiences anywhere in the United States at Palmetto Bluff,” said Rob Collins, the principal designer of King-Collins.

The new course will be a par 36 featuring nine reversible holes varying from par 3, par 4 and par 5. The course will feature multiple tee boxes allowing the length of the course to vary from 1,000 yards to 3,100 yards depending on how the course is set up.

The course will be located at the Crossroads neighborhood on the road headed toward the future Anson Village and run along Palmetto Bluff’s inland waterway allowing the course to be accessible by boat.

King-Collins says they take an unconventional approach to golf course design by rejecting the traditional assumptions about location, length and the configure of golf holes. While they do start with a plan, they don’t let the plan override the natural features of the course and instead focus on the natural details of the course.

“We are very fluid in our process and create very distinctive, interesting features in the field,” said Collins. “A lot of our design work occurs in the field and comes naturally out of the dirt.”

The location at Palmetto Bluff allows the builders to cut up to 15 feet into the ground — a feature that’s rare in the lowcountry where 3- to 4-foot cuts will hit groundwater, according to Collins.

“That means that we can transform this site into something that is very dramatic and incredibly beautiful to look at,” said Collins.

The combination of abundant sand and the low water table, the course will feature sand dunes as a focal point. The course is going to play over, around and in between the dunes.

Construction for the course is projected to begin in the first quarter of 2023 and finish by the end of 2023.

An opening date has not been set, because it’s reliant on factors like when the grass finishes growing.

The new course will be much denser than the Jack Nicklaus Signature May River Golf Course by avoiding long transitions between holes and having close transitions from green to tee. Collins described the course as more ground game focused.

King-Collins is known for their brand of “fun, inventive, quick golf,” said South Street in a press release. Another course designed by King Collins — Sweetens Cove outside of Chattanooga, Tennessee — sells out its tee times for the year in a matter of minutes, according to the release.

“People who’ve played it are saying it’s not like any other golf course in the world.”

Palmetto Bluff to begin using international workers and interns, buys hotel to house them

Starting next year, Palmetto Bluff will be using international workers and interns to fill empty positions, and house them at the recently acquired Fairfield Inn and Suites in Okatie.With the large growth of Beaufort County in recent years, South Street Partners, the owners of Palmetto Bluff, knew that affordable housing for their workers was going to be a challenge. On top of that, South Street has been struggling to find locals to work in the community, according to Rob Duckett, South Street’s president of operations.Ne...

Starting next year, Palmetto Bluff will be using international workers and interns to fill empty positions, and house them at the recently acquired Fairfield Inn and Suites in Okatie.

With the large growth of Beaufort County in recent years, South Street Partners, the owners of Palmetto Bluff, knew that affordable housing for their workers was going to be a challenge. On top of that, South Street has been struggling to find locals to work in the community, according to Rob Duckett, South Street’s president of operations.

Next year, South Street will be using two visa programs to bring in seasonal workers and interns to help fill needed positions in food and beverage as well as golf course management.

“Finding people within our market is more and more difficult every day because we’re all fighting for the same people,” said Duckett. “Being able to reach out to other markets and bring people into our market is the best strategy, and that’s where the housing comes in.”

Indeed, where are they going to live?

Palmetto Bluff is Bluffton’s largest private residential community with a golf club and resort totaling 20,000 acres in the south of Bluffton. In order to provide housing for the incoming workers, South Street acquired the Fairfield Inn & Suites off Interstate 95. The hotel, which is 11 miles away from Palmetto Bluff, will continue to operate as normal while providing nightly lodging for Palmetto Bluff’s local and international workers.

South Street will utilize J-1 visas, a student training program. Essentially an overseas internship, foreign students on J1 visas come to get experience in their field of study. In the case of Palmetto Bluff, they’ll be studying the hospitality industry.

Palmetto Bluff will work with the schools to develop a training plan for the students. J1 visas can last up to 18 months, but people working for South Street will typically stay for a year, according to Dixie Norris, South Street’s VP of Human Resources.

“The program is really great for them because they kind of get to get immersed in U.S. culture all the while learning the trade that they’re studying in school,” said Norris. “It’s great for us because we have extra help.”

South Street also will use H-2B visas, which allow for international workers to fill temporary, non-agricultural jobs in the U.S. These workers will only be brought in for Palmetto Bluff’s busy season, which typically runs from April through October.

International workers won’t be replacing anyone in Palmetto Bluff, just filling in where workers are needed, according to South Street.

“If we could fill all of our positions with locals, then we wouldn’t have a need for the international program,” said Norris. “This is in no way taking anybody’s spot.”

South Street says it anticipates employing around 45 more domestic and international workers in 2023.

“As we continue to grow and add amenities to Palmetto Bluff, we will also increase the number of full-time employees on our team,” Norris said.

The Fairfield hotel was constructed in 1999 and renovated in 2018. South Street has identified some improvements it hopes to make, like expanded laundry facilities and expanded opportunities for dining. The rooms are “in pretty good shape,” according to Duckett.

The name of the hotel will not change.

Firefighters battle blaze at Yemassee church

A church that was established more than 100 years ago caught fire early Friday and firefighters from at least three counties battled the blaze.The South Carolina Law Enforcement Division, the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), and the FBI were there around 11 a.m. to investigate the fire at Mount Pleasant Baptist Church in Yemassee, Jasper County Sheriff Donald Hipp said.Jasper County Fire-Rescue battled the fire with assistance from the Sheldon Fire Department, MCAS Beaufort Fire and Emer...

A church that was established more than 100 years ago caught fire early Friday and firefighters from at least three counties battled the blaze.

The South Carolina Law Enforcement Division, the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), and the FBI were there around 11 a.m. to investigate the fire at Mount Pleasant Baptist Church in Yemassee, Jasper County Sheriff Donald Hipp said.

Jasper County Fire-Rescue battled the fire with assistance from the Sheldon Fire Department, MCAS Beaufort Fire and Emergency Services, Hampton County Fire-Rescue, and Colleton County Fire-Rescue. Emergency services director Russell Wells said the Office of the State Fire Marshal and the sheriff's office also responded.

"South Carolina Task Force Four, which is made up of Hilton Head Island Fire-Rescue and Bluffton Township Fire Department, were called in to assist in the shoring and stabilizing of the building so the investigation could be done," Wells said. "There was a partial wall collapse on the front side of the church and other structural concerns for SC Task Force Four to work on to help make the area safe for investigators."

Wells said the building was a total loss and no injuries were reported.

Mount Pleasant Baptist Church is located at 52 Old Pocotaligo Rd., near the Hampton County and Jasper County line.

The fire was reported around 5 a.m. One lane of U.S. 17 was blocked as firefighters worked to extinguish the blaze. It opened again for traffic about an hour later.

The church was established in 1882 and services had been held at the current location since 1982, pastor Willa Young said.

Young is a lifelong member of the church. She said it has about 70 members and the congregation comes from Jasper, Hampton, Colleton and other counties.

"This has been the focal point of the Pocotaligo community for many generations," Young said. "Generations of families have attended this church and our oldest member is 92 years old."

Young said Hipp and school board member Berty Riley are among the church's congregants.

"Me, my siblings and my kids all attended church there, and as a member I am kind of hurt at heart," Hipp said. "We just had our men's day program there. We all grew up here and there's no doubt we can bounce back from this."

Young said there was nothing salvageable after the fire and there had just been a Bible study Tuesday evening.

"We are crushed and deeply wounded," Young said. "We are grateful to all of those who responded to the fire. This church was an integral part of our lives. You can destroy the building but not the presence. We believe the God we serve is a God of restoration and through our faith and God's grace we will rebuild and move on."

Young said she was planning to find out if the church could hold its Sunday service on the grounds underneath a tent or in another location.

"We are going to have worship service," she said. "We pray to rebuild in the same location."

Bon Appétit Magazine hails Common Thread as one of America's 'best new restaurants' in 2022

Bon Appétit magazine recognized that there is nothing common about Savannah's Common Thread.On Wednesday, the nation...

Bon Appétit magazine recognized that there is nothing common about Savannah's Common Thread.

On Wednesday, the national food magazine named Common Thread, 122 E. 37th St., to its 2022 list of the 50 Best New Restaurants in America for its ingredient-focused, farm-to-table offerings.

"Chefs Ryan Williamson and Brandon Carter have a talent for taking pristine ingredients and adding layers of complexity that always highlight, rather than hide, a dish’s core flavors," read the blurb highlighting the restaurant. "This is contemporary farm-to-table cooking at its finest—fun, flexible, and fascinating."

The restaurant, housed within the two-story restored 19th-century Krouskoff House on the northwest corner of Abercorn and 37th Street, opened in January 2021 thanks to the masterminds behind FARM Bluffton in South Carolina. When FARM co-founder Ryan Williamson and executive chef Brandon Carter teamed up, Common Thread was born, bringing a new dining experience to Savannah.

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Among its carefully crafted seasonal menu, Bon Appétit recommended the oysters, beef tartare and pork presse + sausage.

"Being able to showcase the Savannah culinary scene on a national scale is truly an honor," Carter said in a press release. "Chef de Cuisine Joseph Harrison, executive sous chef Victor Solano, general manager/wine director Libby Burk and an amazing support staff are truly the reason we are able to do what we do. We are honored and humbled to be recognized by such a respected organization as Bon Appètit."

Laura Nwogu is the quality of life reporter for Savannah Morning News. Contact her at LNwogu@gannett.com. Twitter: @lauranwogu_

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