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.

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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:

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 Care 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 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:

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:

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.

For many people, the best time to buy senior Medicare Supplement Plan Insurance in cityname is during the six-month 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 Care Insurance Solutions today to determine if you qualify for a Medicare Supplement Insurance Plan.

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

Girl Scout cookie season kicks off with megadrop

CHARLESTON, S.C. (WCBD) – The Girl Scouts of Eastern South Carolina are kicking off Girl Scout Cookie season again this year with a megadrop.The Girl Scout Cookie program continues to be one of the country’s biggest girl-led businesses. This year, the Girl Scouts of Eastern South Carolina is starting the season off with a megadrop at its new distribution center at Smith Dray Line.“We’re delivering over 18,000 cases to our troops from our new distribution center at Smith Dray Line,” says Diane Flann...

CHARLESTON, S.C. (WCBD) – The Girl Scouts of Eastern South Carolina are kicking off Girl Scout Cookie season again this year with a megadrop.

The Girl Scout Cookie program continues to be one of the country’s biggest girl-led businesses. This year, the Girl Scouts of Eastern South Carolina is starting the season off with a megadrop at its new distribution center at Smith Dray Line.

“We’re delivering over 18,000 cases to our troops from our new distribution center at Smith Dray Line,” says Diane Flannagan, CEO of Girl Scouts of Eastern South Carolina. “They’ve been an amazing partner and all of our troop leaders are here picking up cookies, so girls will start selling them today and they go through the middle of March.”

Flannagan added that almost a quarter-million boxes of cookies were planning to be sold Saturday with troops picking up boxes every week until the end of the season.

“Across the state of South Carolina we’re distributing almost a half a million boxes, so it’s very exciting and the girls love it; when they’re selling Girl Scout cookies they’re running a business for the first time in their lives.”

The Girl Scouts also earn rewards and make money to do things in their community. They also learn all of the facets of running a business including money management, entrepreneurship, customer service, and goal-setting.

“Girl Scout cookies have been sold for well over 100 years and we’ve been using this distribution process to distribute cookies for well over a decade because there’s just no way we can do this out of an office, you got to have a distribution center to do it.”

This year, the Girl Scouts introduced a new cookie, the Adventureful, which is a brownie-inspired cookie with caramel, that’s expected to be a great seller.

“We’re also keeping our price at $4 a box, so it’s a great bargain,” Flannagan said. “Our girls in Eastern South Carolina averaged last year selling 450 boxes per girl.”

The megadrop is Girl Scout of South Carolina’s biggest drop in the state with distributions happening in areas including Charleston, Myrtle Beach, Orangeburg, Beaufort, and Florence.

US Dept. of Labor: Charleston Walgreens employed 12-year-old worker

CHARLESTON, S.C. (WCSC) - A Charleston location of the nation’s second-largest pharmacy chain is in violation of child labor laws, according to the U.S. Department of Labor.A Walgreens store located at 1115 Old Town Rd. in Charleston failed to comply with federal labor laws setting minimum age standards and limiting the number of hours and times a minor-aged employee can work.The department’s wage and hour division found the store allowed a 12-year-old employee to work before reaching age 14, the minimum age for emp...

CHARLESTON, S.C. (WCSC) - A Charleston location of the nation’s second-largest pharmacy chain is in violation of child labor laws, according to the U.S. Department of Labor.

A Walgreens store located at 1115 Old Town Rd. in Charleston failed to comply with federal labor laws setting minimum age standards and limiting the number of hours and times a minor-aged employee can work.

The department’s wage and hour division found the store allowed a 12-year-old employee to work before reaching age 14, the minimum age for employment in non-agricultural occupations covered by the Fair Labor Standards Act, a news release stated.

“We take any allegations of minors working under the age of 14 very seriously, especially if it’s non-agriculture,” U.S. Department of Labor’s Wage & Hour Division Community Outreach and Resource Planning Specialist Colin Trimble said.

The investigation also found that the store allowed the minor to work more than 8 hours on a non-school day, more than 18 hours during a school week and after 7 p.m. on multiple days, which violates work hour standards for employees under 16 under the Fair Labor Standards Act.

Walgreens could not provide the required documents to prove they paid the minor over a two-month period. The department found Walgreens did not maintain records of pay and lacked records of hours worked and the date of birth for the worker.

The department assessed Walgreens with a $7,034 civil money penalty for the child labor and recordkeeping violations and recovered $368 in back wages for the youth.

Trimble said the investigation reviewed a two-year period between July 2019 and July 2021. The incidents took place in April and May of 2021.

“Minors under the age of 18 who decide to work they deserve safe working experiences that don’t jeopardize their health, wellbeing, or education,” Trimble said.

Trimble also said they tend to find child labor violations in certain industries where minors are more likely to be employed, like retail, restaurants, grocery stores, or recreational establishments like marinas and golf courses.

“We prioritize the protection of young workers regardless of the industry they’re working in,” Trimble said.

Live 5 reached out to Walgreens, but they said they would not be making a statement at this time.

For more information about child labor laws, click here.

You can also contact the agency’s helpline at 866-4US-WAGE.

Copyright 2022 WCSC. All rights reserved.

14 unwritten rules of Charleston, SC

There is a certain pride that comes with living or growing up in Charleston. Often, it manifests itself in quirky ways, like specific city knowledge, trends, and colloquialisms. Think: What is proper etiquette when walking down King Street? We’ll get into that. If you happen to be lucky enough to be from the Holy City, here are a few unwritten rules you may know to be true submitted by readers on ...

There is a certain pride that comes with living or growing up in Charleston. Often, it manifests itself in quirky ways, like specific city knowledge, trends, and colloquialisms. Think: What is proper etiquette when walking down King Street? We’ll get into that.

If you happen to be lucky enough to be from the Holy City, here are a few unwritten rules you may know to be true submitted by readers on Instagram + through emailand if you’re not from Charleston, you might want to save this article for future reference.

“Never talk politics at Happy Hour. Always discuss the weather.”Reader Ken B.

“During rainy season, keep an eye on the tide charts when planning to drive through downtown.” Reader Erin C.

“Don’t be using the horn when driving unless it’s an absolute emergency and even then, probably don’t use the horn.” Anon Reader

“Handwritten thank you notes are a must!” – Reader Ellen D.

“King Street sidewalks:

“Keep an eye out for the one-way streets ” – @charleston_food_spot

“Don’t have any part of your tires on the asphalt when you park at the beach … $50 parking ticket automatically (might be higher now).” – @thejoelsario

“Don’t feed the seagulls!” – @holycityglass

“When the [Krispy Kreme] hot sign is on, you always have to stop…” – @stan_kablick

“Always have an umbrella during the summer, regardless of the forecast ” – @kateringram

“When merging on to 17 N. from Coming St. downtown, KEEP moving! Change lanes LATER!” – @eruss28

“You don’t have to pay the meter on Sundays!” – @charleston_food_spot

“East Bay from the aquarium to Harris Teeter is a 2 lane street, but it only fits one car.” – @notcharliehabakus

“Shop local. Support local. Eat local…” – @jeanneaeverett

City of Charleston reviewing rules for home businesses

CHARLESTON, S.C. (WCSC) - If you run a home business or have ever visited a home business in the city of Charleston, and it wasn’t run from completely inside the house, it’s technically not allowed.That’s according to the City of Charleston’s current Home Occupation ordinance.Anna Faenza is a West Ashley resident and has run her business, Holy Mackerel Infant Aquatics, from her backyard swimming pool for months.That was until she was told by the city she wasn’t allowed to run her swim lesson...

CHARLESTON, S.C. (WCSC) - If you run a home business or have ever visited a home business in the city of Charleston, and it wasn’t run from completely inside the house, it’s technically not allowed.

That’s according to the City of Charleston’s current Home Occupation ordinance.

Anna Faenza is a West Ashley resident and has run her business, Holy Mackerel Infant Aquatics, from her backyard swimming pool for months.

That was until she was told by the city she wasn’t allowed to run her swim lesson business from her backyard anymore because it wasn’t approved under the city’s Home Occupation ordinance.

“Right before Christmas, I received a letter from the City of Charleston saying that I needed to cease lessons because I wasn’t following the ordinance rules or regulations for a home occupation,” Faenza said.

Charleston City Planning Manager Christopher Morgan say the home occupation ordinance was set decades ago.

It defines a home occupation as a profession or trade that is customarily conducted within a dwelling by the resident.

“My pool is not inside my dwelling, it doesn’t fall under the category of being a home occupation,” Faenza said.

Faenza teaches swim lessons to children aged 6 months to 6 years old in her own swimming pool.

Morgan says the ordinance was originally designed to allow people to have home businesses as long as they do not impact surrounding neighbors.

“We were looking forward to doing, continuing to doing other classes, group lessons, and then also refresher courses. So it was upsetting to hear, especially with her being so close,” a client of Holy Mackerel Infant Aquatics, Marisa Lynch, said.

After Faenza went to the city about changing the home business rule to allow outdoor swim lessons, Morgan says they had 58 different written comments submitted in support.

“I was so humbled by my clients, all these parents, who were just like willing to bat for me,” Faenza said.

Morgan says the planning commission is working now to revise the rule so it will state that home businesses are allowed on the property, not in the dwelling.

He added that it will specifically say all activities must be conducted in completely enclosed buildings with the exception of swimming lessons.

Morgan says the ordinance will be presented at City Council for a reading on Feb. 22, and final reading would be in early March, which is when Faenza hopes to start giving swim lessons again.

Copyright 2022 WCSC. All rights reserved.

$119M paid for Charleston apartments; nearly 300 rental residences slated for Johns Island

A Boston-based multifamily investment firm recently paid $119 million for a Charleston-area apartment complex and a couple of adjoining parcels in one of the priciest commercial real estate deals in the Lowcountry.West Shore bought the 320-unit Sweetwater Apartments at 12000 Sweet Place off Clements Ferry Road in late December for $115 million, or about $360,000 per key. The company paid an additional $4 million for two adjacent tracts along Nowell Creek that are earmarked as Phase II of the multifami...

A Boston-based multifamily investment firm recently paid $119 million for a Charleston-area apartment complex and a couple of adjoining parcels in one of the priciest commercial real estate deals in the Lowcountry.

West Shore bought the 320-unit Sweetwater Apartments at 12000 Sweet Place off Clements Ferry Road in late December for $115 million, or about $360,000 per key. The company paid an additional $4 million for two adjacent tracts along Nowell Creek that are earmarked as Phase II of the multifamily development.

A spokesman said the new owner has no plans for additional development on the creekside parcels.

The luxury apartment complex includes six deepwater docks, private boat ramp and a kayak launch point.

The previous owner was Kassinger Development Group, an upscale apartment builder with offices in Charleston and Asheville.

The acquisition is not West Shore’s first in the Lowcountry.

In September, the company paid $53.6 million for the 220-unit 17 South Apartments at 105 Ivy Green Way off Savannah Highway near the Carolina Bay community in West Ashley.

Along with its recent Sweetwater acquisition, the company also bought the 264-unit Vantage at Wildewood Apartments in Columbia and the 322-unit Uptown Village Apartments in Gainesville, Fla. Terms for the two properties were not disclosed.

The three acquisitions are “in some of the fastest growing” areas of the U.S. and all of them are “positioned for further growth,” said Lee Rosenthal, president of West Shore.

The new purchases bring the firm’s total multifamily assets to more than 12,000 units.

More multifamily

Two new rental housing developments are in the works for Johns Island that will bring nearly 300 new residences.

The Berry Companies of Charlotte wants to build 72 multifamily units on nine acres at 3030 Maybank Highway while Virginia-based Middleburg Communities is proposing 145 single-family rental homes, 52 townhomes and 14 duplexes on 46 acres at 3486 and 3492 Maybank.

The Middleburg project is being called Hamlet at Maybank while the Berry proposal has not been named, according to site plans submitted to the city of Charleston.

The Hamlet at Maybank site is northeast of Boyd Hayes Road, where a 16-acre commercial project of retail, residential and restaurant uses called Hayes Park has been in the works for four years.

Changing hands

A Mount Pleasant real estate investment firm recently paid $13.3 million for seven industrial and flex buildings with 91,000 square feet of space off U.S. Highway 78 south of Summerville.

WRS Real Estate Investments bought four buildings totaling 40,000 square feet at 131-135 Elliana Way and 10162 Bellwright Road from Dean Hensley Enterprises LLC of Summerville for $5.68 million, according to Berkeley County land records.

WRS also bought three buildings with 51,000 square feet at nearby 210, 216 and 217 Cember Way from Summerville Industrial Partners LLC of Jacksonville, Fla., for $7.625 million, land records show.

The properties, ranging from 2,000 to 10,000 square feet, are 100 percent leased by 18 different tenants, according to Pat Marr of WRS.

“With the growth in industrial rents, we feel good about the maket continuing to rise for smaller tenants who have fewer options,” Marr said.

Future development on the site could include an additional 13,000 square feet of industrial space.

Springing forth

The Historic Charleston Foundation will present the 75th Festival of Houses & Gardens March 16-April 9 in downtown Charleston.

The event has traditionally been the nonprofit group’s largest fundraiser since 1947. It offers glimpses into historic homes and gardens on the Charleston peninsula.

The festival is spread over three weeks with walking tours, lectures and special events that highlight Charleston’s history and culture.

The in-person ticket office will be open for sales and ticket pickup from 9 a.m.-6 p.m. daily starting March 14 at Shop Historic Charleston at 108 Meeting St.

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