Senior Medicare Advantage plan insurance in Daniel Island, 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 Daniel Island 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:

Senior Medicare Advantage Plan Insurance Daniel Island, 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:

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 Daniel Island

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:

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 Daniel Island 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 Daniel Island, 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.

Senior Health Insurance Daniel Island, 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 Daniel Island. 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.

Point Hope slated for another mixed-use development with single-family housing

This week there are new developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for items specific to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMINGCITY OF CHARLESTON TECHNICAL REVIEW COMMITTEEFeb. 23: Hawthorne at Clements Ferry Road – Review of revisions to a previously approved site plan for 210-unit multifamily development at 2800 Clements Ferry Road, C...

UPCOMING

CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE

Feb. 23: Hawthorne at Clements Ferry Road – Review of revisions to a previously approved site plan for 210-unit multifamily development at 2800 Clements Ferry Road, Cainhoy.

March 2: Marshes at Daniel Island – Review of revisions to previously approved road construction plans for a 56-unit development at 146 Fairbanks Drive.

Thomas Island Marina – Gravel parking lot and restroom building to serve Thomas Island Marina at 100 Sands Preserve Drive, Cainhoy.

Woodfield Daniel Island III – 12-unit townhome (Phase 2 ) of Woodfield Daniel Island III Multifamily (Phase 1) at 350 Henslow Drive.

The Waterfront Phase 3 – Road extension and six single-family lots at 515 Helmsman St., Daniel Island.

Point Hope – Goldfinch Tract – Construction of a mixed-use development containing 192 units of single-family attached homes and amenities in Cainhoy (address to be determined).

RESULTS

Feb. 16: Haswell – A plat for a 20-lot single-family residential subdivision at 509 Seven Farms Drive on Daniel Island. Results: Approval pending final documentation to MS4. Once approved, submit plat to Planning for stamping.

Haswell – Roads for a 20-lot single-family residential subdivision at 509 Seven Farms Drive on Daniel Island. Results: Approval pending final documeentation to Engineering and MS4.

REGULARLY SCHEDULED CITY & COUNTY MEETINGS

Berkeley Co. Bd. of Education is meeting the first and third Tuesday each month through April 2023. Starting May 2023, they will meet the first and third Monday. Executive Committee meets at 5:30 p.m.; meeting starts at 6:30 p.m.

Berkeley Co. Council meets fourth Mon. of each month, 6 p.m., Berkeley County Admin. Blg., 1003 Hwy 52, Moncks Corner.

City of Charleston Council typically meets the second and fourth Tues. of each month, 5 p.m., City Hall, 80 Broad Street, Charleston, SC and/or virtually via Conference Call #1-929-205-6099; Access Code: 912 096 416. Exceptions: Summer Schedule - 3rd Tues. of June, July, and August; December meetings on the 1st and 3rd Tues. Dates and locations subject to change.

City of Charleston Technical Review Committee meets every Thurs. at 9 a.m.via Zoom.

City of Charleston Board of Zoning Appeals – Site Design meets the 1st Wed. of each month at 5 p.m. via Zoom.

City of Charleston Board of Zoning Appeals – Zoning meets the 1st and 3rd Tues. of each month at 5:15 p.m., except for January and July when no meeting is held on the 1st Tues.

City of Charleston Design Review Board meets the 1st and 3rd Mon. of every month at 4:30 p.m.

City of Charleston Planning Commission meets the 3rd Wed. of every month at 5 p.m.

City of Charleston Board of Architectural Review – Large projects meets the 2nd and 4th Wed. of every month at 4:30 p.m.

City of Charleston Board of Architectural Review – Small projects meets the 2nd and 4th Thurs. of every month at 4:30 p.m.

All meetings are open for public comment except the City of Charleston Technical Review Committee meetings.

For more information, contacts for specific projects and on location and time of the meetings or to learn more, visit charleston-sc.gov/AgendaCenter/.

Three residential developments for Daniel Island totaling 96 units up for review

This week there are a large number of multifamily and large residential developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for specific items to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMING:CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEEDec. 15: Seven Farms Drive/Haswell Street, Daniel Island. First review of a preliminary plat for a 20-lot single family res...

UPCOMING:

CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE

Dec. 15: Seven Farms Drive/Haswell Street, Daniel Island. First review of a preliminary plat for a 20-lot single family residential development. Road construction plans are under second review.

Dec. 15: Marshes at Daniel Island. First review of a preliminary plat for a 26 single-family lot subdivision at 144 Fairbanks Drive. Road construction plans are under first review.

Dec. 15: Daniel Island Drive, Daniel Island. Second review of a private townhome development with 50 units, pond, private roads, open space and associated infrastructure.

Dec. 15: Gildan. Pre-application of a site plan for an industrial building on 81 acres at 1980 Clements Ferry Road in Cainhoy.

RESULTS:

CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE

Dec. 8: Daniel Island Club Court. First review of request to extend TRC approval of construction of a new tennis court facility on Island Park Drive. Results: TRC approval extended.

Dec. 8: Ship Builder Street, Daniel Island. Second review of a 31-lot single family residential development on 40 acres. Results: Pending final documentation to MS4 and Planning. Once approved, submit to Planning for stamping

Dec. 8: Foundation Place at Point Hope, Cainhoy. Fourth review of a commercial development including five buildings totaling 38,000 square feet gross floor area at 826 Foundation St. Results: Pending final documentation to Zoning, T&T, MS4, and FMD. Once approved, submit to Zoning for stamping.

Dec. 8: Towne at Cooper River – Clements Ferry Medical. Pre-application of a proposed medical office building with parking at Enterprise Boulevard. Results: Submit to TRC for 1st Review.

REGULARLY SCHEDULED CITY & COUNTY MEETINGS

Berkeley Co. Bd. of Education meets the 2nd and 4th Tues. of each month. Executive Committee meets at 5:30 p.m.; meeting starts at 6:30 p.m.