Senior Medicare Advantage plan insurance in Charleston, 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 Care 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 cityname or simply have questions about signing up for Medicare, our team is here to help.
Guiding You Through The Confusion of Medicare!Request a Consultation
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:
The amount of money you pay for your health care depends on several factors, including:
At Senior Care 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 Charleston
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 Care Insurance Solutions 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:
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:
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 Care 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 will 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 agency that is licensed to sell them in your state. Senior Care Insurance Solutions 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.
Senior Medicare Advantage Plan Insurance in Charleston, 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:
In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Care 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 Care 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 Care Insurance Solutions 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.
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 cityname. 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
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.
The Senior Care 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.
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 Charleston
Women\'s Golf Debuts Monday in Charleston
The Carolina women\'s golf team enters a new era under first-year head coach Aimee Neff when the Tar Heels travel to the Low Country September 13-14 to play 54 holes in the Cougar Classic.UNC is one of 17 teams in the field at the Yeamans Hall Golf Club in Charleston, S.C.The College of Charleston is the host, joining Carolina and Arkansas, Baylor, Charleston, Clemson, Florida, Furman, Georgia, Maryland, Miami, Michigan State, NC State, P...
The Carolina women\'s golf team enters a new era under first-year head coach Aimee Neff when the Tar Heels travel to the Low Country September 13-14 to play 54 holes in the Cougar Classic.
UNC is one of 17 teams in the field at the Yeamans Hall Golf Club in Charleston, S.C.
The College of Charleston is the host, joining Carolina and Arkansas, Baylor, Charleston, Clemson, Florida, Furman, Georgia, Maryland, Miami, Michigan State, NC State, Penn State, Tennessee, UCF, Vanderbilt and Wisconsin.
Neff was an assistant coach at UNC in 2017-18 and was hired as the seventh head coach in Tar Heel history, following Jan Mann, who retired in the spring after 12 seasons at the helm. Neff was the head coach the past three seasons at Florida Atlantic.
Joining Neff is assistant coach Emily Loftin, who came to Chapel Hill after eight seasons as the head coach at Fresno State.
"We\'re excited to kick off our season against a talented field on a challenging course in Charleston," says Neff, who played collegiately at Michigan State. "We have a young team, not just by class, but more importantly by experience in college golf, so Monday is when we start learning how we operate in competition. We will need to be patient, but we are excited to watch our team develop together over the season."
Neff and Loftin inherit a young roster which will commence play on Monday with a five-player lineup that has only 28 collegiate tournaments under their belts.
Sophomores Natalia Aseguinolaza and Crista Izuzquia, are from Spain.
Golde did not play last season and has played in one collegiate event, Junkkari has competed in 10 tournaments in two seasons, Smith has made nine career starts and Aseguinolaza and Izuzquiza played five and three tournaments, respectively, a year ago as freshmen.
Junkkari is the only Tar Heel with previous experience in the Cougar Classic. She made her collegiate debut there two years ago, tying for 12th with a 3-under 213 after shooting 70-71-72.
Georgia Closes Non-Conference Play with 1-0 Win at College of Charleston
University of Georgia Athletics
CHARLESTON, S.C. – Senior forward Mollie Belisle\'s 10th goal of the season powered the University of Georgia soccer team to a 1-0 win over College of Charleston Sunday afternoon at Ralph Lundy Field at Patriots Point.In its first road match of the regular season, Georgia (7-1-0) closed out its non-conference slate with its best start since opening the 2013 season at 7-1-0. The Bulldogs outshot the Cougars ...
CHARLESTON, S.C. – Senior forward Mollie Belisle\'s 10th goal of the season powered the University of Georgia soccer team to a 1-0 win over College of Charleston Sunday afternoon at Ralph Lundy Field at Patriots Point.
In its first road match of the regular season, Georgia (7-1-0) closed out its non-conference slate with its best start since opening the 2013 season at 7-1-0. The Bulldogs outshot the Cougars (1-6-1), 19-4, besting their opponent for the seventh time this season, while also posting a 12-1 advantage in shots on frame. Georgia also dominated in corner kicks by a 6-1 margin.
Belisle led the Bulldogs in shots (six) for the third-consecutive match, while also topping the team with a season-high five shots on goal. Freshman forward Danielle Lewin followed close behind with four shots, including three on target.
On the defensive end, the Georgia backline nearly held its opponent to zero corner kicks for the second-straight match, allowing a lone kick early in the second half. In net, senior goalkeeper Emory Wegener posted one save to earn her third shutout of the season and 16 for her career.
"This is a great way to wrap up our pre-SEC season," said Georgia head coach Billy Lesesne following the match. "To come out of this part of the season at 7-1, to get a tough road win under our belt against a good Charleston team, I think it says a lot for the team\'s continued growth. We didn\'t cash in on as many scoring opportunities today, but we finished one and kept the score where we needed it to be. I\'m proud of our team getting the shutout and the win, and we\'re preparing now for Auburn on Friday night."
In the first half, Georgia founds itself with plenty of opportunities, outshooting College of Charleston, 12-1, but six saves from Cougar goalkeeper Meredith Holton kept the scoreboard empty. The scoreless first half marked the first opening half without a score this season for the Bulldogs.
As they have for much of the season, the Bulldogs increased the intensity to open the second half, although the aggressiveness led to two quick offsides. Soon after, the Bulldogs broke through as senior midfielder Dani Murguia intercepted a Charleston pass and found a wide-open Belisle, who connected from just outside the 18 to tally her 10th goal of the season. Belisle\'s goal moved her back into first place nationally and made her the first Bulldog to score double-digit goals since Marion Crowder in 2013.
Belisle continued to seek another score, as did Lewin for her first, but Holton\'s solid play maintained a one-goal margin for the Cougars. After a strong scoring chance for Lewin was stifled in the 82nd minute, the Bulldogs were able to control possession in the closing moments and earn the hard-fought victory.
Georgia now turns its attention to the opening of Southeastern Conference play, beginning with a road test at No. 10 Auburn on Friday, Sept. 17 at 7:30 p.m. EDT. The match will be streamed live on SEC Network+. Last season, Auburn defeated Georgia in three meetings, including a 2-1 double overtime victory in the SEC Tournament.
For complete information on Georgia soccer, follow the team on its social media channels via @UGASoccer on Twitter, Facebook, and Instagram.
SC Volvo plant’s rail plan gets its right-of-way from Santee Cooper
Palmetto Railways and state-owned electric utility Santee Cooper have finalized an agreement that will allow construction of a 22.7-mile rail line connecting the Volvo Cars campus in Ridgeville with a private carrier’s transfer station in Cross.Santee Cooper will give an easement to state-run railroad through mostly timberland it owns along the proposed route. The easement was filed with the Berkeley County Register of Deeds on Sept. 3. The 100-foot-wide easemen...
Palmetto Railways and state-owned electric utility Santee Cooper have finalized an agreement that will allow construction of a 22.7-mile rail line connecting the Volvo Cars campus in Ridgeville with a private carrier’s transfer station in Cross.
Santee Cooper will give an easement to state-run railroad through mostly timberland it owns along the proposed route. The easement was filed with the Berkeley County Register of Deeds on Sept. 3. The 100-foot-wide easement terminates at Santee Cooper’s Cross Generating Station, which is powered by coal brought to the site by CSX trains.
Volvo plans to send its S60 sedans to the site via the Palmetto Railways route so the Florida-based freight train operator can then haul the vehicles to inland distribution points.
The U.S. Department of Transportation recently approved a $25 million grant to Palmetto Railways for construction of the rail line, which was one of the promises the S.C. Commerce Department made to Volvo in 2015 to lure the automaker to the Lowcountry. The project received the go-ahead from federal officials in 2019 and design work and rights-of-way acquisition is underway. The $140 million project will take about 20 months to build once all of the financing is secured.
U.S. Supreme Court justices will have a little more time on their hands now that a case involving one of Boeing Co.’s 787 Dreamliner jets has been pulled from the docket.
A lawyer for Servotronics Inc., a supplier to Dreamliner engine maker Rolls-Royce, told the nation’s highest court last week the two sides have settled their long-running dispute, which made it to Washington, D.C., via a federal court ruling in Charleston.
Servotronics is accused of making a defective valve for an engine that caught fire during Dreamliner testing at Boeing’s North Charleston campus in 2016. The blaze caused $12.8 million in damages to the widebody plane, a sum that Rolls Royce has already paid to Boeing. The power plant manufacturer now wants to be reimbursed by Servotronics. An arbitration hearing was held in London in May, and the two sides apparently have settled their differences.
The Supreme Court case was to determine whether U.S. courts can force depositions for use in foreign tribunals, like the overseas arbitration hearing. Oral arguments were scheduled for the afternoon of Oct. 5, but in a Sept. 8 letter Servotronics essentially said “never mind.”
Neither side has stated the terms of the settlement agreement.
SC banks seek right balance as branch closings outpace openings
Most bankers don’t like to dwell much on branch closings.Justin Hawkins is an exception.“It’s actually one of my favorite topics,” said Hawkins, region president for Wells Fargo who oversees consumer and small business banking operations for most of South Carolina, except the Hilton Head market. “We’ve all been through the pain of watching branches close, but I think we’ve done it the right way.”A newly issued report from the Federal Deposit Insurance Corp. puts some fresh ...
Most bankers don’t like to dwell much on branch closings.
Justin Hawkins is an exception.
“It’s actually one of my favorite topics,” said Hawkins, region president for Wells Fargo who oversees consumer and small business banking operations for most of South Carolina, except the Hilton Head market. “We’ve all been through the pain of watching branches close, but I think we’ve done it the right way.”
A newly issued report from the Federal Deposit Insurance Corp. puts some fresh numbers on the industry’s steady pullback.
The agency’s annual accounting of market-share data showed that 28 branches, or about 2 percent, went dark across South Carolina between mid-2020 and mid-2021, trimming the net balance to 1,171 locations.
The most active consolidator during that period was Truist Financial Corp., which this year is taking its cost-cutting axe to about 400 overlapping BB&T and SunTrust locations that it took on when it combined the two regional players in late 2019. In the Palmetto State, 17 of the branches were shuttered, according to the FDIC report.
First-Citizens of Raleigh was second to Truist, with 10 closings, followed by Wells Fargo, with eight.
South Carolina isn’t an outlier. A record 3,324 branches were closed nationwide in 2020, or more than three times the number of openings, according to S&P Global Market Intelligence.
The pace of the retrenchment has been accelerating. In South Carolina, for example, banks turned off the lights at 153 branches between 2011 and 2016. But during the past five years, closings jumped 76 percent to 270, the FDIC said.
A steady stream of bank buyouts that keeps realigning the business is one of the key culprits, as Truist can attest to. The urge-to-merge has whittled the number of lenders that do business in South Carolina to 76 from 116 over the past decade.
Another factor is that customers are more comfortable using ATMs and personal technology to handle routine tasks, such as depositing checks through their smartphones. As a result, Hawkins said, branches are increasingly becoming “advice centers” as opposed to their former primary roles as “transactional centers.”
“That’s the big shift for us,” he said.
In addition, the industry has become more conscious about its real estate expenses and how they affect the bottom line.
San Francisco-based Wells Fargo is a prime example. It once operated upward of 150 offices in South Carolina, making it the largest lender in the state based on that metric. It’s since slimmed down to about 115, putting it in the No. 2 position behind First-Citizens.
“The company has really been on this efficiency journey for a number of years,” said Hawkins, who started his career managing a branch in Greenville, where he is still based.
Wells Fargo started looking harder at its physical footprint in South Carolina soon after it expanded into the state by purchasing the old Wachovia-First Union franchise in the heat of the 2008 financial crisis. Hawkins said the new management brought a “far different philosophy” compared to the predecessor banks, which “really wouldn’t close” many offices even after an acquisition, Hawkins said.
“We’d just hold onto them, even if you had a branch across the parking lot, which is the craziest thing,” he said.
Even so, not all banks are downsizing in South Carolina. JPMorgan’s Chase is by far the most aggressive. It has rolled out nine offices since mid-2020, mostly in Charleston and the Upstate. The smaller Anderson Brothers of Mullins opened two new outposts.
Wells Fargo also is looking for expansion opportunities and is “actively having conversations about where is the right place to be,” Hawkins said, though the days of the two-story, 8,000-square-foot corner branch are likely over. A year ago this month, it unveiled an on-campus “digital center” in the student center at Clemson, which also was an early expansion site for rival Chase.
“There may be more of those,” Hawkins said.
The big bank also is looking at whether it needs a foothold in some of the large-scale residential communities that are cropping up around the state. Hawkins cited Nexton in Summerville and Hollingsworth Park in Greenville as two examples.
In the interim, the efficiency journey continues. In early August, Wells Fargo closed a Spartanburg location. And last week, it shut down one of two branches separated by less than a mile on Ashley River Road in Charleston.
Clemson Women Open Season Monday at Cougar Classic
Clemson Tigers Official Athletics Site
Clemson, SC—The Clemson women’s golf team opens its 2021-22 season where it all began for the program eight years ago when the Tigers tee off on Monday, September 13 at the Cougar Classic in Charleston, SC. Kelley Hester’s team will be one of 17 teams that will play 54 holes over September 13-14 at Yeaman’s Hall Golf Club.The teams will play 36 holes in a shotgun start on Monday and 18 on Tuesday. Play will begin at 8:30 a.m. on Monday and 8:45 a.m. on Tuesday.The Clemson program played its first tournam...
Clemson, SC—The Clemson women’s golf team opens its 2021-22 season where it all began for the program eight years ago when the Tigers tee off on Monday, September 13 at the Cougar Classic in Charleston, SC. Kelley Hester’s team will be one of 17 teams that will play 54 holes over September 13-14 at Yeaman’s Hall Golf Club.
The teams will play 36 holes in a shotgun start on Monday and 18 on Tuesday. Play will begin at 8:30 a.m. on Monday and 8:45 a.m. on Tuesday.
The Clemson program played its first tournament Sept 8-10, 2013 at the Cougar Classic. The Tigers finished a strong second out of 24 teams to get the program off to a great start. It will be Clemson’s fifth appearance at the Cougar Classic overall, the first since 2016.
Hester’s team will be looking to get off to a great start in Charleston again in a national tournament that has six top 25 teams according the Woman’s Golf Coaches Association and the Golf Channel.
The field includes ACC teams Clemson, Miami (FL), NC State, and North Carolina. SEC teams in the field include Arkansas (18,23), Auburn (12,9), Florida (21, 19), Georgia (19,14), and Vanderbilt (22,25). The Big Ten is represented by Maryland, Michigan State, Penn State and Wisconsin. Baylor (15,17) from the Big 12, gives the field 14 teams from Power Five conference schools. Host school College of Charleston, Furman and Central Florida round of the field.
Clemson, ranked 31st in the preseason Golf Channel poll, will take a lineup that includes two seniors, two sophomores and a freshman.
Leading the way is senior Ivy Shepherd, who was a first-team All-ACC performer last year when she had a 72.95 stroke average in the COVID abbreviated season. The native of Peachtree City, Ga. had a pair of top 10 finishes last year and has five for her career. Her 72.87 career stroke average is second in Clemson history.
Calista Rice is a “super senior” in Hester’s opening lineup. This will be Rice’s 19th career tournament over her five seasons. The native of Mars Hill, NC is a returning starter who was in the Clemson lineup for the ACC Tournament and the NCAA Regional last year.
Sophomore Annabelle Pancake had a 75.19 stroke average last year as a freshman when she was in the lineup for all seven tournaments. Her rookie season included a pair of top 10 finishes and a school record tying 65 at the Clover Cup, helping her to a ninth place finish. This past summer she won her second Indiana State Amateur.
Gabriella Tomanka is another sophomore who will be in the lineup. This will be just her second tournament as a Tiger, her first in the Clemson team lineup. The native of Grapevine, Texas had a solid 223 score last year at the Clemson Invitational that included a second round 71. She ranked #38 in the nation by the AJGA coming out of high school. She had three top three finishes at the Texas 5A High School Championship over her career.
Melena Barrientos is another highly regarded player from Texas in Hester’s lineup. The only freshman competing for Clemson this weekend, she was the #9 ranked player in the class of 2021 by the AJGA. She had four AJGA wins in her junior career.
Live scoring will be available on golfstat.com. For Clemson fans wishing to attend the tournament, the course address is 900 Yeamans Hall Road, Charleston, SC.