Senior Medicare Advantage plan insurance in Columbia, 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 Columbia 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:
- What kind of care you need, and how often it is needed.
- The type of Medicare coverage you choose.
- Whether there are alternative insurance policies that will help fill gaps in your coverage
- Whether a doctor agrees to charge you the same amount that Medicare will cover for a medical service
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 Columbia
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:
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 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 Columbia 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 Columbia, 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:
- Preferred Provider Organizations
- Special Needs Plans
- Private Fee-for-Service
- Medicare Medical Savings Account Plans
- Health Maintenance Organizations
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.
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 Columbia. 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 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.
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 Columbia, SC
Trump makes surprise visit to West Columbia restaurant during campaign stop in SC
Former President Donald Trump was in Columbia Saturday on his first campaign trip since announcing plans for a 2024 White House bid.Before leaving South Carolina, Trump made a surprise stop at a restaurant in Lexington County.Trump joined diners at ...
Former President Donald Trump was in Columbia Saturday on his first campaign trip since announcing plans for a 2024 White House bid.
Before leaving South Carolina, Trump made a surprise stop at a restaurant in Lexington County.
Trump joined diners at Zesto of West Columbia, and his visit was widely shared on social media.
The former president stopped for pictures and greeted both staff and customers at the restaurant known for fried chicken, burgers and chocolate dipped ice cream cones, among other items. Its ice cream treat is so iconic there’s a massive chocolate dipped cone statue that towers above the 12th Street restaurant.
“So you recommend this food?” Trump was heard saying to an employee as he approached the counter to place an order.
The employee at the counter said “Yes sir,” while holding a cellphone to document her encounter with the former president.
She then asked Trump, “Do you care if I pray for you?” And Trump told her to go ahead while holding her hand and placing another on her shoulder.
As for his order, Trump went with the chocolate-dipped ice cream cone, according to POLITICO reporter Meredith McGraw.
Trump paid for his order with a $100 bill, said Jason Miller, an advisor to the former president. Miller worked for former South Carolina Gov. Mark Sanford before serving as communications director and main spokesman for Trump’s White House transition team.
Trump paid for the food and ice cream ordered for 10 people and got it to go, Zesto owner Anastasia Manos told The State Sunday.
Trump’s affinity for fast food has been documented. After the Clemson football team won the national championship in the 2018 season, Trump welcomed the Tigers to the White House and fed them a meal of fast food — served on silver platters.
“A very great team, an unbelievable team,” Trump said at the time. “They’ll be coming tonight, and I think we’re going to serve McDonald’s, Wendy’s and Burger King with some pizza. I really mean it. It’ll be interesting, and I would think that’s their favorite food.”
Prior to going to Zesto, Trump was at the State House to announce his South Carolina leadership team, which includes Gov. Henry McMaster and U.S. Sen. Lindsey Graham. Both prominent politicians were at Trump’s Columbia appearance.
SC-born songwriter Patrick Davis returns for Columbia show: ‘There’s nothing like coming home’
Patrick Davis was bored and restless.The musician, raised in Camden, S.C., had spent years in Nashville as a songwriter and had done well for himself. In the city at the heart of music, he’d written or co-written songs for dozens of successful artists, including Pat Green, Jimmy Buffett, Jewel and Robert Randolph.But something was missing.He missed the days of playing smaller shows in places like Columbia’s Five Points. Davis might have made his name as a songwriter, but he longed for the days of performing l...
Patrick Davis was bored and restless.
The musician, raised in Camden, S.C., had spent years in Nashville as a songwriter and had done well for himself. In the city at the heart of music, he’d written or co-written songs for dozens of successful artists, including Pat Green, Jimmy Buffett, Jewel and Robert Randolph.
But something was missing.
He missed the days of playing smaller shows in places like Columbia’s Five Points. Davis might have made his name as a songwriter, but he longed for the days of performing live.
“When you get publishing deals and songs on the radio, and you make a little bit of money, it’s easy to fall into a trap of forgetting what it was you initially enjoyed doing,” Davis said. “The world will tell you what success is, and you’ve got to remember what success is for yourself... I was definitely missing some happiness in my life that had always come about from playing live.”
When Davis found himself at this crossroads in Nashville nearly seven years ago, he decided to change his situation. Some people might have strapped on an acoustic guitar and hit the coffeehouse circuit, but Davis went about as far in the other direction as one can go.
He created a massive ensemble called the Midnight Choir, chock full of horns, guitars and vocalists. Depending on the performance, the Midnight Choir can be 10 to 13 members, often including Davis’ dad on lead guitar.
The band tackles everything from soft folk to country to Southern rock, with Davis at the center telling stories and playing his incisive, melodic songs, many of which helped fund the choir he’s created.
“My career as a songwriter has gone well enough to where I could take on this kind of endeavor,” he said. “(It’s) not an inexpensive situation, so you have to really be able to be able to make all those people happy, not just musically but also where they can pay their bills.”
Making the band happy musically is a priority too, though. During a typical Midnight Choir show, Davis makes sure to shine the spotlight on each member of the large ensemble.
“Musically speaking... I want to make sure everybody feels like they are appreciated,” Davis said. ”(It’s) sometimes hard in a big outfit like that. Everyone wants the final product to be wonderful and a beautiful painting, but you still want people to stand out.”
The ensemble is constantly shifting and evolving, but it’s almost always made up of musicians from South Carolina and Nashville, both of the places that Davis has called home. He also has a keen eye for the kind of musician that will fit in well with the rest of the Midnight Choir.
Davis described it as “the best of both worlds,” pointing to multi-talented musicians with range in their performances like Grammy Award-wining Charleston jazz group Ranky Tanky’s Charlton Singleton on the trumpet and his father on guitar.
“(Singleton) is as talented as anybody in the world when it comes to taking solos, but he can also lay back and just write incredible parts for the horn section... and when I get my dad to play, he can sit back and let me tell a story and then if I say, ‘Hey Dad, crank it up,’ he can crank it up,” Davis said.
Davis and the Midnight Choir will bring their infectious big-band sound to the Harbison Theatre at Midlands Technical College on Friday, Feb. 24, and it’s far more than just another stop on tour. Davis said he’s thrilled to be back in his old home state, some 30 minutes or so from where he grew up.
“It’s always great coming back home,” he said. “When you’re fortunate enough to do what us musicians do, which (is) travel all the time, we go to some cool places. But there’s nothing like coming home.”
Patrick Davis and his Midnight Choir
Feb. 24. $40. Harbison Theatre at Midlands Technical College. 7300 College St., Irmo. harbisontheatre.org.
Duce Staley returns home in new role
CHARLOTTE – Duce Staley brings a jolt of energy, even while he walks through the offseason hallways in Bank of America Stadium.They expect him to do the same thing on the sidelines.The Panthers' new assistant head coach and running backs coach volunteered to be the first in a group of four fresh coaches to pose for his official Carolina headshot, leading the way and beaming at the chance to talk about how excited he was ...
CHARLOTTE – Duce Staley brings a jolt of energy, even while he walks through the offseason hallways in Bank of America Stadium.
They expect him to do the same thing on the sidelines.
The Panthers' new assistant head coach and running backs coach volunteered to be the first in a group of four fresh coaches to pose for his official Carolina headshot, leading the way and beaming at the chance to talk about how excited he was to coach here, telling stories with animated gestures and a wide grin.
"You're going to see a lot of energy, a lot of juice from this coaching staff," Staley said. "When you walk through the door as a former player, that's what they know you as. It's our job, before we leave through that door, to get them to know us as coaches. So that's the mission, and we're going to get it done."
He admitted he didn't know if he'd ever get a chance to join what he called "the hometown team," so he jumped at the opportunity to join Frank Reich's staff as soon as it presented itself.
For the first time in his career, Staley is back near his hometown of Columbia, S.C., just over 90 miles south of Charlotte. The former NFL running back watches his children play sports in the same area where he competed, and he attends games at his alma mater, the University of South Carolina.
Staley's return to the Carolinas also reunites him with his beloved mother, who he has continued to prioritize as she grows older. He makes a 90-minute commute up I-77 every morning, driving back home each day after work in Charlotte.
"One of the biggest mistakes in life is thinking you've got time," he said. "We all have been a victim of it. There have been many times throughout my life (when) I've said, 'I'll call you back,' or 'I'll see you later.' Time waits on no one. I don't want to miss that time with her. I don't want to miss that time with my family. So being able to come closer to home meant a lot to me."
After a decade playing running back in the NFL with the Eagles and Steelers and 12 years coaching in Philadelphia and Detroit, Staley reunited with Reich at Carolina. The two were part of the Eagles' staff together for two years, and they won a Super Bowl together in the 2017 season. Reich was the offensive coordinator in Philadelphia, while Staley oversaw running backs.
Reich said he'd wanted Staley on his staff as soon as he began thinking about his coaching future throughout November and December last year. Reich admired Staley's energy and ability to connect with players.
"Duce, he brings the hammer, and you need some guys like that," Reich said. "You don't want everybody to be like that, but Duce has a lot of wisdom. He's very street smart, smart period, but savvy. A former player understands how the players think. I worked with him for two years in Philadelphia; we got very close. … I saw firsthand how smart of a coach he was, how he got the most out of the players, and see how he really helped the whole team, not just the offense."
A proud former Gamecock, Staley kept up with his former college through his son, Damani, who played linebacker at South Carolina from 2017-21.
He has also kept a closeness to the school through his ties to USC women's basketball coach Dawn Staley, who has led the Gamecocks program to two national championships and has a legacy across the Carolinas in basketball.
"I have a big connection with Dawn," he said. "Get a chance to talk to her maybe once or twice a week. Huge fan of what she's doing. Huge fan of her, just to be able to see where she has taken that program, from the bottom up, being able to see her put her stamp on the program for that university, that community, that state; it's awesome."
Duce said the two claim each other as "distant, distant" family members and that Dawn, born and raised in Philadelphia, has family from Aiken, a South Carolina town one hour from Columbia.
He joked that there "aren't too many Staleys floating around" their area of South Carolina. He pointed out how they also bonded through Dawn's fondness of the Eagles, the team with which Staley has spent most of his playing and coaching years.
"We connected way back," Duce Staley said. "She gives me some great words throughout the week. I give her some great words throughout the week, just motivating each other to be better."
But that closest family connection is the one that creates the deepest pull to come back home.
Staley's toughness was first instilled by his mother, who he said has always pushed him to give "1,000 percent" effort from childhood onward. She believed in Staley from his earliest days on the field and wouldn't let her son get away with little effort.
Once as he played little league football, Staley had the breath knocked out of him on the field. He took his helmet off and teared up, but his mother saw and called him over with all five fingers – a sign that meant business. She lifted Staley over a fence, with his little brother nearby in a stroller, and gave him the kind of talking-to he still remembers vividly at 47 years old.
"She said, 'Son, if you keep crying, what's your brother going to do? That's his job to cry. I'm going to put you down, and you go back out there; I better not see a tear,'" Staley recalled. "So she put me back down, I took off, and the rest is history. … She was tough, and she believed in me."
Even through his professional playing career, Staley said his mother would call him after games to share her thoughts on how he wore his jersey. His brother would chime in, too, to give tips on how he played.
Staley's bond with his mother remained strong as he took coaching jobs in Philadelphia from 2011-20 and Detroit for the last two seasons. But when Staley told his mom he was coming home for a job close to her, she was elated.
"She gave me a big hug," Staley said. "Told me she loved me, and (to) just continue to do what I've been doing. That I've been doing a great job."
On the field, Staley is thankful for the chance to work alongside Reich and the staff he's assembled, ready to get to work at Carolina. Staley smiled as he recalled a phone conversation he had with Reich while his former coworker was interviewing for the Panthers' head coach job.
As Staley wished him luck through the process last month, Reich made a suggestion that excited him – speaking into existence the job that brought Staley back to his family, and his roots.
"I remember him saying, 'You know what, man? It would be an awesome, awesome opportunity for you to come home and coach.' I said, 'Yeah, it sure would be,' and that was the end of that," Staley said. "We talked about it, and it all came true. We're here now."
Comedy legends scheduled to return to Columbia for performance
Legendary comedians Steve Martin and Martin Short are returning to Columbia.After performing in South Carolina’s capital city in 2021, Martin and Short are scheduled to return this year for a show at the Township Auditorium.Their “Yo...
Legendary comedians Steve Martin and Martin Short are returning to Columbia.
After performing in South Carolina’s capital city in 2021, Martin and Short are scheduled to return this year for a show at the Township Auditorium.
Their “You Won’t Believe What They Look Like Today!” tour is scheduled to stop in Columbia on Oct. 14.
A promotional image for the tour shows vintage images of Martin and Short, who have been national fixtures as stars on the comedy scene since 1970s and 1980s.
Tickets for the show headlined by the “Saturday Night Live” regulars will go on sale Friday at 10 a.m., venue officials said on Twitter.
Ticket prices range from $87 to $322, according to the Township Auditorium’s website.
Jeff Babko and the Grammy Award-winning Steep Canyon Rangers — from Asheville, North Carolina — will also appear at the performance, venue officials said.
The night after their show in Columbia, Martin and Short are scheduled to perform at the North Charleston Performing Arts Center on Oct. 15. The duo will also make a stop in Greensboro, North Carolina, on Oct. 13.
Martin and Short met on the set of “The Three Amigos” and have been touring together since 2015. Their sold-out tour “An Evening You Will Forget for the Rest of Your Life” inspired a 2018 Netflix special that earned four Emmy Award nominations.
Martin began his career as a television writer and stand-up comedian before finding cinematic fame as the star of movies “The Jerk,” “Dirty Rotten Scoundrels,” “Parenthood” and “Planes, Trains and Automobiles,” and “Bowfinger,” The Tribune reported. He’s been a host on “Saturday Night Live” 16 times and appeared as a special guest 19 others.
Short rose to fame as a regular cast member on sketch comedy shows “SCTV” and “Saturday Night Live,” before starring in movies including “Captain Ron,” “Clifford” and “Innerspace.”
In addition to “The Three Amigos,” he also appeared with Martin in the “Father of the Bride” films.
This story was originally published February 21, 2023, 10:40 AM.
Soda City Live: Offering hope to those with eating disorders
Dawndy Mercer Plankhttps://www.wistv.com/2023/02/21/soda-city-live-offering-hope-those-with-eating-disorders/
COLUMBIA, S.C. (WIS) - The 10th annual South Carolina Neda Walk at USC will be this Saturday, February 25. It leads into NEDA Awareness Week. NEDA stands for National Eating Disorders Association. The walk this weekend is also a time you can learn about the Caregiver Connections group.28.8 million Americans will suffer from an eating disorder at some point in their lives. While no one knows for sure what causes eating disorders, a growing consensus suggests that it is a range of biological, psychological, and sociocultural factors....
COLUMBIA, S.C. (WIS) - The 10th annual South Carolina Neda Walk at USC will be this Saturday, February 25. It leads into NEDA Awareness Week. NEDA stands for National Eating Disorders Association. The walk this weekend is also a time you can learn about the Caregiver Connections group.
28.8 million Americans will suffer from an eating disorder at some point in their lives. While no one knows for sure what causes eating disorders, a growing consensus suggests that it is a range of biological, psychological, and sociocultural factors.
Karen McMullen and Margaret Yeakel are the coordinators of the Columbia SC NEDA Walk. They also are co-leaders of Caregivers Connections in South Carolina. Karen organized the first Columbia NEDA Walk which was also the first NEDA Walk in South Carolina. This is her tenth year organizing this event which is quite a milestone. Karen has also been heavily involved with other walks in Clemson, Greenville, Spartanburg, and Charleston. She and Margaret are strong advocates for those facing the challenges of an eating disorder from the earliest stages of diagnosis and treatment through robust recovery.
The 10th annual South Carolina Neda Walk at USC will be this Saturday from 10 a.m. to noon. Check-in is at 10 a.m. The walk begins at 11 a.m. Meet at the Russell House. That’s at 1400 Green Street on USC’s campus. Register at https://nedawalk.org/columbiaSC2023.
Registration is free. Money donated will go to fund the group’s programs.
The NEDA Walk on Clemson’s campus is the following Saturday, March 4. Register at https://nedawalk.org/clemson2023.
There is a National Eating Disorders Helpline. That number is 1-800-931-2237. Learn more about eating disorders at https://www.nationaleatingdisorders.org/eatingdisordersawarenessweek.
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