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

Opening date for Aldi’s Bluffton location delayed until next year. Here’s what we know

Construction is underway on an Aldi grocery store in Bluffton, but the opening date won’t be this year as earlier announced.“Our new store in Bluffton, South Carolina, is on track to open in 2023,” wrote Shaun O’Keefe, Aldi’s Jefferson division vice president, in an emailed statement. A specific date was not available.When the store was announced in February, O’Keefe said the plan was for it to open ...

Construction is underway on an Aldi grocery store in Bluffton, but the opening date won’t be this year as earlier announced.

“Our new store in Bluffton, South Carolina, is on track to open in 2023,” wrote Shaun O’Keefe, Aldi’s Jefferson division vice president, in an emailed statement. A specific date was not available.

When the store was announced in February, O’Keefe said the plan was for it to open by the end of the year.

He said that once the Bluffton store is open, it will employ between 15-20 people.

Three available job listings were posted on the retailer’s website as of Thursday:

Bright blue signs with the Aldi logo and “Coming Soon” are posted at the site currently undergoing renovation in the shopping center at U.S. 278 and Burnt Church Road.

The area is fenced off, but work is transforming the space first designed to be a Fresh Market into an Aldi supermarket. The entrance has been moved from the center to the right side of the facade, which now features a tower typical of Aldi locations.

When the shopping center was first conceived in 2016, developer David Oliver and his company Jaz Management LLC announced that Fresh Market would be an anchor along with Hobby Lobby and PGA Superstore, and Fresh Market’s signature green-and-white striped awnings were installed outside the 21,000-square-foot space.

Then, in 2018, Aldi and developer David Oliver appealed to the Beaufort County Design Review Board for permission to make changes to the exterior of the building. The Design Review Board approved facade changes on June 7 of that year but the approval expired when Aldi did not act within a year.

During that time, Aldi opened a store in Pooler and in Savannah. Finally, the previously approved drawings were resubmitted to county staff on Aug. 31, 2021, and were approved the following week, according to previous reporting in The Island Packet.

Aldi, a Batavia, Ill.-based discount grocer which bills its stores as “no-frills,” also is planning a store in the new Beaufort Station development at the southwest corner of Robert Smalls Parkway and Parris Island Gateway in Beaufort.

The retailer’s website lists 47 stores in South Carolina, not including either store announced in Beaufort County.

Beaufort Co. schools, businesses closing ahead of Tropical Storm Nicole. What to know

Here is a list of the scheduled closings and rescheduled events in Beaufort and Jasper counties as Tropical Storm Nicole is set to approach Florida’s east coast by Wednesday evening.Beaufort County: Beaufort County Convenience Centers are set to close Thursday and will stay closed Friday in observance of Veterans Day, county officials said in a news release. All county buildings, parks and programs will be cl...

Here is a list of the scheduled closings and rescheduled events in Beaufort and Jasper counties as Tropical Storm Nicole is set to approach Florida’s east coast by Wednesday evening.

Beaufort County: Beaufort County Convenience Centers are set to close Thursday and will stay closed Friday in observance of Veterans Day, county officials said in a news release. All county buildings, parks and programs will be closed Thursday.

Town of Bluffton: Offices in the Town of Bluffton will be closed because of the storm, town officials said in a news release. Staff will work remotely Thursday. Offices will be closed Friday for Veterans Day.

Hilton Head: Town of Hilton Head administrative offices are set to close Thursday ahead of the storm.

Jasper County: No closures for county offices or convenience centers have been announced as of Wednesday afternoon.

Beaufort County School District: Beaufort County School District students will have an e-learning day Thursday instead of canceling lessons to avoid having to make up any missed days during the holiday break in December, school officials said in a news release. After-school events like sports scheduled for Wednesday will go on as planned. Information on any possible sports cancellations Thursday and Friday was not immediately available. Beaufort County schools had already been scheduled to close Friday in observance of Veterans Day.

Jasper County School District: Classes in the Jasper County School District will also move online Thursday and Friday because of the storm, according to the school district’s Facebook page. All after-school activities like sports have been canceled for the rest of the week and classes are scheduled to resume Monday.

Technical College of the Lowcountry: All TCL campuses are closed starting Thursday and will resume at 8 a.m. Friday.

Airports: County airports, including Hilton Head Island Airport and the Beaufort Executive Airport, expect to remain open, but this is subject to change as the tropical storm gets closer. Travelers should check with their airline regarding flight cancellations and or delays.

Veterans Day: Veterans Day parades in Beaufort and Bluffton have been canceled and will not be rescheduled.

Bluffton: Two Town of Bluffton committee meetings as well as the weekly farmer’s market in Old Town Bluffton will be canceled Thursday.

Hilton Head: The Parks & recreation Commission meeting set to start at 1:15 p.m. Thursday was canceled.

This story was originally published November 9, 2022 2:29 PM.

Bluffton, wanting more art, will buy and commission works for placement around town.

The town of Bluffton is looking to expand its art collection and display artworks throughout the town.The Bluffton Town Council last week unanimously passed a resolution that adopted the Town of Bluffton’s Public Art Policy.“We’re growing so fast, people that are coming in may not necessarily understand the history of the community and what makes it so great,” Town Manager Stephen Steese said. “Some of our local artisans may be able to explain that through art and show some of the things that repre...

The town of Bluffton is looking to expand its art collection and display artworks throughout the town.

The Bluffton Town Council last week unanimously passed a resolution that adopted the Town of Bluffton’s Public Art Policy.

“We’re growing so fast, people that are coming in may not necessarily understand the history of the community and what makes it so great,” Town Manager Stephen Steese said. “Some of our local artisans may be able to explain that through art and show some of the things that represent the history of the community.”

Under the policy, the town can purchase art, accept donations and commission work from artists.

Purchasing or commissioning art will be funded mostly through hospitality and accommodation taxes, but also through donations from the town’s Parks and Public Arts charitable fund. While the budget for the program has yet to be established, Steese said the town may start with $50,000 to see how far that can go.

“We don’t know exactly what [the budget] is going to look like yet,” Steese said. “ It depends on what materials people are working in and it depends on what the committee recommends.”

The cost of art maintenance and security, with the town looking to use cameras and glass cases to deter possible vandals, will also be included in the budget.

When asked why the town will spend taxpayers’ money on art, Steese said increasing the art in Bluffton will draw in more tourists and thus bring in more income.

Any art that Bluffton acquires will become part of the town’s municipal art collection. Loaned art is the exception, as it will still be owned by the artist, but temporarily displayed by the town. The town is considering having locations with rotating art pieces.

The town will make an effort to ensure that the art isn’t just going to old town as well. As the town works on capital projects, it can make sure that public art has the opportunity to be involved, said Steese.

While no specific locations have been identified, any capital project will be eligible for art through the policy. Projects like the New Riverside Barn Park, renovations to existing parks or the restoration of historic buildings are likely to include some of the town’s art pieces.

Bluffton will only be able to place art on land it owns. However, through partnerships with private owners, the town will be able to place art on private land, with the town remaining responsible for maintenance, installation and any possible removal.

If a private owner wants to put art on their property, they do not have to go through the town’s policy to do so.

The town wanted a policy for art so that there were guidelines for what would be acceptable and what would not, Steese said.

“When somebody wants to give us a piece of art, we want to make sure it’s something that is acceptable, that meets standards and also is something that can fit where they’re wanting to place it,” Steese said.

The policy creates a public art committee that will be responsible for overseeing the overall care of art within the municipal collection making recommendations about obtaining or relinquishing art to the Town Council and recruiting artists for commissioned work. Members of the committee will be appointed by the Town Council.

Town Council will make the final decision on the approval of all art and can even do so without involving the public art committee, if they chose too.

The following criteria will be considered by the committee and Town Council when reviewing art projects:

? Aesthetic quality and artistic merit

? Placement

? Fabrication, handling and installation

? Maintenance requirements

? Liability and safety

Various forms of artwork can be accepted under the policy ranging from photographs, paintings and murals to sculptures, light-based and sound-based art.

“A lot of it’s going to depend on who may want to work with us,” Steese said.

The policy outlines the town’s ability to remove art from their collection as well. Any proceeds from the sale of the town’s art will be strictly used for the purchase of new art or the care and maintenance of artistic pieces it owns.

Why Nonna Rosa is Considered the Best Italian Restaurant in Bluffton, SC

Okatie, SC – Nonna Rosa Italian Restaurant continues to satisfy the cravings of the Bluffton community with its mouth-watering authentic cuisine.As one of the homegrown Italian Restaurants Bluffton, SC, they always prioritize the customer experience. The Nonna Rosa Italian Restaurant offers a wonderful experience that allows customers to travel to Italy through their palate.True to its Italian heritage, Nonna Rosa Italian Restaurant offers outstanding f...

Okatie, SC – Nonna Rosa Italian Restaurant continues to satisfy the cravings of the Bluffton community with its mouth-watering authentic cuisine.

As one of the homegrown Italian Restaurants Bluffton, SC, they always prioritize the customer experience. The Nonna Rosa Italian Restaurant offers a wonderful experience that allows customers to travel to Italy through their palate.

True to its Italian heritage, Nonna Rosa Italian Restaurant offers outstanding food quality. The Bluffton-based restaurant made quality their core. Every element in Italian cuisine is chosen to enhance the flavor. Thus, their secret is the freshness of their ingredients. They ensure that only the best ingredients are used so that flavors will explode in their customers’ mouths.

An Italian himself, Chef Peppe Gialone, the owner of Nonna Rosa, says the restaurant’s menu was a family heirloom. The well-loved recipe of the restaurant has been handed down through generations, originally from his grandmother. In fact, the restaurant was named after his grandmother.

Besides the taste of the food, the Best Italian Restaurant in Bluffton, SC, is also loved for its serving. Like in Italy, Nonna Rosa Italian Restaurant provides ample servings of their food. As a result, customers always get the best value for their money.

The Italian restaurant also offers a pleasant environment close to a fine dining experience. They make everyone feel relaxed and satisfied after eating. Lastly, the Italian restaurant ensures outstanding service. They have dedicated staff and servers that offer excellent and attentive service. Topnotch service is what every client can expect from them.

Those who want to try the sumptuous Italian cuisine by Nonna Rosa should try their classic pasta dishes. Their Spaghetti Vongole, made with Mediterranean littleneck clams sautéed with fresh garlic and cherry tomatoes in a delicious white wine sauce, is a must-try. They also have the Pappardelle Bolognese, an original Italian recipe for meat lovers made of a slow-cooked sauce over pappardelle pasta.

Their Veal Saltimbocca, fresh veal loin pounded thin, sautéed in a white wine browned butter sauce, topped with prosciutto, spinach, and mozzarella, is a top choice among their patrons. Another local favorite is their Pollo Fiorentina, sauteed chicken breast with spinach and roasted red peppers in their famous red sauce.

Nonna Rosa Italian Restaurant also has a great selection of wine to pair perfectly with every dish. These come from different regions in Italy, such as Tuscany, Lombardy, Sicily, and Veneto. To check the complete Italian menu of the favorite restaurant, customers may visit their website at https://nonnarosabluffton.com/.

Those looking for an Italian Restaurant near Bluffton, SC can reserve a table by calling (843) 707-1750 or emailing nonnarosaokatievillage@gmail.com. Nonna Rosa Italian Restaurant is located at 198 Okatie Village Drive, Suite 105, Okatie, SC 29909.

For more information about Nonna Rosa, contact the company here:

Nonna Rosa Chef Peppe 843-707-1750 steven_milana@yahoo.com 198 Okatie Village Dr Ste. 105 Okatie, SC 29909

Live updates, latest scores from SC high school football playoff games

The high school football playoffs continue across South Carolina with games Friday night and Saturday. Here are the latest statewide scores, schedule and updates (down below) from The State’s Lou Bezjak.Class 5ALower StateFort Dorchester 46, Berkeley 0Class 4ALower StateWest Florence 42, Myrtle Beach 21South Florence 50, Bluffton 0Class 3AUpper StatePowdersville 42, Chester 12Class 2A Upper State...

The high school football playoffs continue across South Carolina with games Friday night and Saturday. Here are the latest statewide scores, schedule and updates (down below) from The State’s Lou Bezjak.

Class 5A

Lower State

Fort Dorchester 46, Berkeley 0

Class 4A

Lower State

West Florence 42, Myrtle Beach 21

South Florence 50, Bluffton 0

Class 3A

Upper State

Powdersville 42, Chester 12

Class 2A

Upper State

Abbeville 49, Newberry 7

SCISA 4A

Laurence Manning 28, Trinity Collegiate 27

SCISA 3A

Pee Dee Academy 42, Pinewood Prep 27

SCISA 8-man

Holly Hill 72, Richard Winn 14

All games are 7:30 p.m. unless noted

Class 5A

Upper State

Spartanburg at TL Hanna

Dorman at Dutch Fork, 8 p.m.

JL Mann at Gaffney

Class 4A

Upper State

Catawba Ridge at North Augusta

South Pointe at Greenville

Indian Land at Westside

Class 3A

Upper State

Woodruff at Daniel

Belton Honea Path at Clinton

Seneca at Chapman

Lower State

Crestwood at Beaufort

Class 2A

Upper State

Saluda vs. Gray Collegiate at Irmo High School, 8 p.m.

Class A

Upper State

St. Joseph’s at Southside Christian

SCISA

Class 4A

Porter-Gaud at Hammond

Class 3A

Florence Christian at Wilson Hall

Class 2A

Bethesda Academy at Williamsburg Academy

Colleton Prep at Beaufort Academy

8-man

Faith Christian at WW King

Class 5A

Upper State

Byrnes at Blythewood, 2 p.m.

Lower State

Cane Bay at Sumter, 5 p.m.

Lexington at Summerville, 6 p.m.

Carolina Forest at Goose Creek, 6 p.m.

Class 4A

Upper State

Greenwood at Northwestern, 2 p.m.

Lower State

Irmo at James Island, 6 p.m.

Hartsville at AC Flora, 6:30 p.m.

Class 3A

Lower State

Lower Richland at Camden, 3 p.m.

Brookland-Cayce at Dillon, 5 p.m.

Manning at Gilbert, 6 p.m.

Class 2A

Upper State

Keenan at Strom Thurmond, 6 p.m.

Fairfield Central at Silver Bluff, 6 p.m.

Lower State

Andrews at Barnwell, 1 p.m.

Timberland at Andrew Jackson, 4 p.m.

Cheraw at Woodland, 6 p.m.

Wade Hampton (H) at Oceanside Collegiate, 8 p.m.

Class A

Upper State

Calhoun County at Christ Church, 1 p.m.

Denmark-Olar at Lewisville, 2 p.m.

CA Johnson at Wagener-Salley, 6 p.m.

Lower State

Bamberg-Ehrhardt at Johnsonville, 3 p.m.

Baptist Hill at Lamar, 6 p.m.

Carvers Bay at Estill, 6:30 p.m.

Lake View at Cross, 6:30 p.m.

SCISA Class A

St. John’s at Lee Academy, 6 p.m.

Calhoun at Thomas Heyward, 7 p.m.

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