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 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 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 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 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:
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 Daniel Island
Rival match: Philip Simmons and Bishop England set to square off
Philip M. Bowman
It’s high school football rivalry week on Daniel Island as Bishop England travels to Philip Simmons to settle some Friday Night Lights bragging rights.The teams enter the 7:30 p.m. showdown at the opposite ends of the success spectrum. Philip Simmons is having its best season ever, albeit the school has a short history. The Iron Horses are 3-0 for the first time in their history and have outscored their opponents 111-14. Bishop England, on the other hand, is 0-3 and has been outscored 63-19 so far in the 2021 season.Phili...
It’s high school football rivalry week on Daniel Island as Bishop England travels to Philip Simmons to settle some Friday Night Lights bragging rights.
The teams enter the 7:30 p.m. showdown at the opposite ends of the success spectrum. Philip Simmons is having its best season ever, albeit the school has a short history. The Iron Horses are 3-0 for the first time in their history and have outscored their opponents 111-14. Bishop England, on the other hand, is 0-3 and has been outscored 63-19 so far in the 2021 season.
Philip Simmons coach Eric Bendig used BE as a one of the models that his team wanted to emulate when he was named coach. The Bishops might not have a victory this season but they do have his respect.
“It’s the first thing we talked about when we had our team meeting today,” Bendig said Sunday night. “Throw that record out the window. If you have Bishop England on the schedule and you’re not ready to play, you will lose.”
“Not only are they our rival, but they have played three quality opponents: Ashley Ridge, a tough Class AAAAA team, James Island, which is Class AAAA and Porter-Gaud, one of the better SCISA (S.C. Independent School Association) teams around,” Bendig added. “They are the best 0-3 team in the state. You can’t take them lightly. We have a chance to achieve a goal the day I was named coach and that’s beat Bishop England.”
The Iron Horses defeated Military Magnet 46-0 Friday night and are winning with style points. They are 3-0 for the first time in the school’s history and the 46 points are a single-game scoring record. The shutout? It was the second in Iron Horse history.
“These first three games, just like I drew them up on the board,” Bendig said with a laugh. “I’m so proud of my guys and the (coaching) staff. They have responded to the challenges. They put in the work in the winter and this summer, and you can see the results.”
Bishop England enters the clash with a 3-0 record against the Iron Horses. They posted a 14-7 victory last fall and have outscored the Iron Horses 73-30 in the three games.
But the Bishops struggled to get out of the gate this fall because the team was quarantined for the first 10 days of fall camp because of the COVID-19 pandemic. Coach John Cantey had to retool the skill positions on offense including quarterback and running back.
That and injuries have slowed the Bishops, who dropped a 23-16 decision to James Island Friday. The Bishops finally scored a touchdown in the second quarter against the Trojans to end a 13-quarter touchdown shutout.
Bendig expects the Bishops to be ready.
“Our kids know their kids and when that’s the case anything can happen,” Bendig said.
Both teams conclude the non-region portion of their schedule next week. Bishop England will play at Timberland, while Philip Simmons travels to Hanahan.
Covid Updates: Masks required on school buses, SC tops 6,000 daily cases
Berkeley County School District students who ride the bus are required to wear face coverings beginning today, per the South Carolina Department of Education (SCDE) August 26, 2021 memorandum, "Face Coverings on School Buses".The school district explained in an email that the SCDE is enforcing the CDC’s Order re...
Berkeley County School District students who ride the bus are required to wear face coverings beginning today, per the South Carolina Department of Education (SCDE) August 26, 2021 memorandum, "Face Coverings on School Buses".
The school district explained in an email that the SCDE is enforcing the CDC’s Order requiring the use of face coverings by students and staff on state owned and operated school buses. The email further explained that BCSD school buses are owned, funded and maintained by the South Carolina Department of Education (SCDE) and that students and staff utilizing these buses for transport to and from school will be expected to adhere to the requirements of the CDC Order per the SCDE\'s memorandum.
The state-owned school buses will be equipped with an adequate supply of face coverings provided by SCDE.
The BCSD further noted, “If a student boards a bus without a face covering, bus drivers should offer the student a face covering. However, no student should be denied transportation for failing to adhere to the CDC Order.”
For additional information please visit www.bcsdschools.net/covid.
South Carolina Eclipses 6,000 Daily COVID-19 Cases for First Time since Jan. 15
On Friday, the South Carolina Department of Health and Environmental Control (DHEC) noted that a total of 6,697 new cases of COVID-19 were reported on Aug. 25, the third-highest total in a single day since the start of the pandemic.
Not since the state reported 7,680 cases on Jan. 6 and 7,450 on Jan. 8 has the state seen so many positive tests on one day.
DHEC explained that just two months ago, following an initial wave of vaccinations and schools being out for summer vacations, the state recorded back-to-back days on June 19 and 20 of less than 100 cases statewide. Now, South Carolina has not been below 1,000 cases since July 24 and has had two days with more than 5,000 cases and two with more than 4,000 in the last two weeks.
The expected surge in new cases once children returned to school across South Carolina and the proliferation of the highly transmissible Delta variant has fueled a spike, DHEC said, urging the legislative to consider the removal of masking restrictions.
DHEC reports that more young people are getting COVID-19, more are requiring hospitalization, and more are being put on ventilators than at any time in the pandemic, further noting that young people are also less likely to be vaccinated, putting them at higher risk – only about 20 percent of those 12–19 are fully vaccinated in South Carolina, and those under the age of 12 are not yet eligible for vaccination, requiring other means, such as mask wearing and social distancing, to protect them from COVID-19.
“We have to pay close attention to what these numbers are telling us about the virus’ behavior and understand the risk we’re facing,” said Dr. Ed Simmer, DHEC Director. “Without a corresponding surge in vaccinations to meet this challenge and universal indoor masking in public places, my fear is that more grim milestones are ahead. My hope, however, is that we will rise to meet this challenge by getting all eligible South Carolinians vaccinated so together we can end this pandemic.”
Berkeley, Dorchester Dist. 2, Colleton, Beaufort County students return to school Monday
CHARLESTON, S.C. (WCSC) - Thousands of students begin their new school year Monday morning.Students in Berkeley County, Dorchester District 2, Colleton County and Beaufort County are set to begin their school year. Orangeburg County schools and Bishop England High School on Daniel Island also welcome students back to the classroom Monday.The Berkeley County School District posted its detailed bell schedule on its website. ...
CHARLESTON, S.C. (WCSC) - Thousands of students begin their new school year Monday morning.
Students in Berkeley County, Dorchester District 2, Colleton County and Beaufort County are set to begin their school year. Orangeburg County schools and Bishop England High School on Daniel Island also welcome students back to the classroom Monday.
In Dorchester District 2, elementary schools will operate from 7:15 a.m. to 2:15 p.m. Middle schools will operate from 8:10 a.m. to 3:10 p.m. and high schools will operate from 8:55 a.m. to 3:55 p.m. DD2 can track their child’s school bus through a smartphone app.
The Colleton County School District posted its bus routes on its website. Parents and students can find information about schedules under each school’s page on the district’s website.
In Beaufort County, elementary schools will operate from 7:45 a.m. to 2:45 p.m. River Ridge Academy and Robert Smalls International Academy will run from 8:45 a.m. to 3:45 p.m. Riverview Charter School will run from 8:30 a.m. to 3:00 p.m. Middle schools and high schools will operate from 8:45 a.m. to 3:45 p.m.
The Beaufort County School District posted its bus routes on its district website as well.
A rise in COVID-19 cases has prompted concerns about the spread of the disease in schools.
But a temporary law passed in the state’s new budget prevents school districts from imposing mask mandates in the classroom. Still, state health officials urged students and teachers to wear masks in the classroom.
Last week, South Carolina Education Superintendent Molly Spearman said school districts can enforce a federal mask mandate on school buses if they choose to do so. The state will not enforce that mandate. But Spearman said she hoped state lawmakers will reconsider their mask mandate ban.
“I would encourage the legislators to look at it closely and to give that decision to the local districts,” Spearman said.
She said she expects the law will “go to the courts and that the court will settle the question: Is that a local decision or does the General Assembly have that authority?”
The Department of Health and Environmental Control said, as of last Tuesday, there were 85 cases of COVID-19 associated with schools across the state. In the last couple weeks, dozens of high school football players in Charleston and Berkeley County have had to quarantine after positive tests on their teams.
More than 36,000 kids under the age 10 have tested positive for the coronavirus in South Carolina since the start of the pandemic, DHEC says.
Since kids under the age of 12 cannot be vaccinated yet, DHEC is strongly encouraging students and staff to wear a mask in school buildings.
Meanwhile, the South Carolina Department of Public Safety urged drivers to be aware of students as they returned to the classroom.
The South Carolina Highway Patrol says young children are quick and often unaware of potential danger. Most crashes involving young children happen between 3 p.m. and 6 p.m.
St John’s Christian Academy in Moncks Corner, Mason Preparatory School in Charleston, Northwood Academy in Summerville and Porter Gaud in Charleston open their schools on Tuesday.
Students in Charleston County, Dorchester District 4, Williamsburg County and Georgetown County return to school Wednesday.
Charleston Day School, Pinewood Preparatory, and Orangeburg Preparatory start classes on Thursday.
Copyright 2021 WCSC. All rights reserved.
Aug. 16 - Thomas & Hutton Celebrates 75 Years of Business
Savannah Business Journal Staff Report
August 16, 2021 - August 2021 officially marks Thomas & Hutton’s 75th year in business.“Thomas & Hutton’s success is a reflection of our dedicated, hardworking teams and our relationships we’ve built through the years with our business partners and clients. We thank you for a great 75 years of excellence and look forward to 75 more,” said Sam McCachern, Thomas & Hutton President and CEO.In 1946, the year following World War II, two well-known former Army officers and professional engine...
August 16, 2021 - August 2021 officially marks Thomas & Hutton’s 75th year in business.
“Thomas & Hutton’s success is a reflection of our dedicated, hardworking teams and our relationships we’ve built through the years with our business partners and clients. We thank you for a great 75 years of excellence and look forward to 75 more,” said Sam McCachern, Thomas & Hutton President and CEO.
In 1946, the year following World War II, two well-known former Army officers and professional engineers, Hue Thomas, Jr. and Joseph Hutton opened Thomas & Hutton’s first location in Savannah, Georgia. Over the years, the company has grown into 13 offices in 9 regions including Charleston, Columbia, Berkeley County, Myrtle Beach, and Greenville, South Carolina; Brunswick, Atlanta, Covington, and Buford, Georgia; Charlotte, North Carolina; and Nashville and Smyrna, Tennessee. The joining of Thomas & Hutton with Buford, Georgia’s Development Planning & Engineering, Inc. (DPE) and DPE Surveying in 2021, and Smyrna, Tennessee’s Dempsey, Dilling & Associates (DDA) in 2019 were instrumental in the firm’s continued expansion in the Atlanta and Nashville regions.
Thomas & Hutton began offering services exclusively related to surveying, wastewater, and water systems. With its incorporation in 1955, Thomas & Hutton increased its services and transitioned into a full-service consulting civil engineering firm. Today, the firm has expanded to provide professional consulting services related to infrastructure and land development to public and private clients in an array of markets throughout the southeast.
“We are proud to celebrate our past and present clients, employees, and leaders that helped create our 75-year legacy. Thomas & Hutton’s investment over the last 75 years in our employees, technology, and strategic vision has placed us in an amazing position to better serve our clients and the communities where we work and live for the next 75 years,” says Ben Jones, Thomas & Hutton Sr. Vice President and COO.
In the span of 75 years, Thomas & Hutton worked on an assortment of projects ranging from military projects, including airfields, weapon ranges, and even fall-out shelters (during the Cold War) to modern, industrial manufacturing facilities that are redefining logistics and how goods reach consumers in a digital world. Thomas & Hutton is on the pioneering front of designing mission critical facilities to protect data and technology systems that allow businesses to operate efficiently and safely. The firm has extensive experience with redevelopment and mixed-use projects that establish a sense of place and economic vitality such as Plant Riverside and Eastern Wharf (Savannah, GA), The Market Common (Myrtle Beach, SC), WestEdge (Charleston, SC), and Covington Town Center Covington, GA). Industrial/manufacturing projects that transform the economic climate of a region include Volvo (Berkeley County, SC) to impressive communities such as Sea Pines and Harbour Town (Hilton Head Island, SC), The Landings on Skidaway Island (Savannah, GA), Kiawah Island and Daniel Island (Charleston, SC), Palmetto Bluff (Bluffton, SC), and Prince Creek (Myrtle Beach, SC).
Now in its fifth generation of leadership, the firm continues to lead the way in assisting municipalities with much needed infrastructure improvements that make the region resilient and adaptive to changes in the economy and climate.
Thomas & Hutton continues the core value established by Joe Hutton and Hue Thomas of giving back to their communities. Across their footprint, Thomas & Hutton employees are active board members for various local non-profits including Rotary International, United Way, and Habitat for Humanity. The firm gives back in various ways through financial and service contributions through fundraising events, such as Jeans Day Fridays, Office Olympics, chili cook-offs and ice cream socials – to name just a few. Thomas & Hutton also understands donating time is important to help those in need. Thomas & Hutton’s Helping Hands program is an internal monthly service-based volunteer program where employees donate “sweat” hours to help local non-profits such as Myrtle Beach Therapeutic Riding + Vault Club, The Charleston Center for Birds of Prey, Americas Second Harvest of Coastal Georgia, Sweep the Hooch with Chattahoochee River Keeper, and many more.
Meeting Notes - August 19, 2021
These are the issues coming before various City of Charleston boards and committees and the review results that are specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more about each meeting online at www.charleston-sc.gov/AgendaCenter/.Date: Aug. 19Site plan for Volvo Car Stadium modifications/revisions at 161 Seven Farms Drive, Daniel Islan...
These are the issues coming before various City of Charleston boards and committees and the review results that are specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more about each meeting online at www.charleston-sc.gov/AgendaCenter/.
Date: Aug. 19
Site plan for Volvo Car Stadium modifications/revisions at 161 Seven Farms Drive, Daniel Island (sixth review). This is a 33.81-acre site.The owner is City of Charleston. Leasee is Beemok Sports, LLC. The applicant is SeamonWhiteside + Associates. Contact: Paul Peeples, email@example.com.
Date: Aug. 19
Site plan for Point Hope Commercial at 112 Renaissance Lane, Cainhoy (first review). This is a .41-acre site for the construction of a commercial retail space. The owner is Renaissance Lane, LLC. The applicant is Lowcountry Land Development Consultants. Contact: Kevin Coffey, firstname.lastname@example.org.
Date: Aug. 19
Site plan for Wando Village - Pocket Park at 335 Blowing Fresh Drive, Cainhoy (second review). This is a 1.3-acre site for an amenity pavilion, boardwalk, paths/sidewalk and parking. The owner is Pulte Homes. The applicant is Thomas & Hutton. Contact: Will Cox, email@example.com.
Date: Aug. 26
Site plan for Project Throughput at Charleston Regional Parkway in Cainhoy (first review). This is a 172-acre site for a new container handling and storage facility. The owner is South Carolina Ports Authority. The applicant is Thomas & Hutton. Contact: Scott Greene, firstname.lastname@example.org.
Date: Aug. 12
Site plan for Cainhoy Sports Park Amenity at River Village Drive, Cainhoy (pre-application). This is a 23.5-acre site with three buildings, parking, sports courts and pools. The owner is Cainhoy Land & Timber, LLC. The applicant is Thomas & Hutton. Contact: Will Cox, email@example.com. Results: Revise and submit to TRC.
• Berkeley County Council conducts its regularly scheduled meetings on the fourth Monday of each month at 6 p.m. at the Berkeley County Administration Building, 1003 Highway 52, Moncks Corner.
• Berkeley County Board of Education meetings are held twice each month. The second meeting of each month includes special recognitions of students, employees and community members. Executive Committee meets at 5:30 p.m.; public meeting starts at 6:30 p.m.
• Charleston City Council conducts its meetings on the second and fourth Thursdays of each month at 5 p.m.