Senior Medicare Advantage plan insurance in Florence, 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 Florence 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 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 Florence
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.
Senior Medicare Advantage Plan Insurance in Florence, 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 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 Florence. 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 Florence, SC
West Florence FD battles fire amid water issue from out-of-service hydrants; multiple crews assist
WMBF News Staffhttps://www.wmbfnews.com/2022/09/15/west-florence-fd-battles-fire-amid-water-issue-out-of-service-hydrants-multiple-crews-assist/
FLORENCE, S.C. (WMBF) - Multiple fire departments helped West Florence Fire Department to fight a house fire in Florence on Thursday morning amid a water supply issue caused by out-of-service hydrants.West Florence Fire Department arrived at the fire at 4:35 a.m.The residents had an early warning from smoke alarms but were also saved by the heroic actions of one of their neighbors.Neighbor Randy Bailey went into the home on his hands and knees and grabbed the homeowner’s pants and was able to drag him out.&l...
FLORENCE, S.C. (WMBF) - Multiple fire departments helped West Florence Fire Department to fight a house fire in Florence on Thursday morning amid a water supply issue caused by out-of-service hydrants.
West Florence Fire Department arrived at the fire at 4:35 a.m.
The residents had an early warning from smoke alarms but were also saved by the heroic actions of one of their neighbors.
Neighbor Randy Bailey went into the home on his hands and knees and grabbed the homeowner’s pants and was able to drag him out.
“I couldn’t stand up and walk in, I had to crawl in. I felt his pants and I just grabbed him by the arm,” Bailey explained.
The WFFD said the homeowner was not alert and would have succumbed to excessive smoke inhalation if it hadn’t been for Bailey’s quick thinking.
But while Bailey was helping to save the people inside the home, firefighters worked to battle the flames from the outside, but there a key tool wasn’t working nearby: the fire hydrants.
“When we arrived on scene, unfortunately the hydrants adjacent to the home were out of service at the time, but crews responded quickly,” said Assistant Chief Dwight Mobley.
Crews from Howe Springs Fire Rescue, Sardis-Timmonsville Fire Department, City of Florence Fire Department, Darlington County Fire Department and Florence County EMS jumped into action and provided tankers to help with the water situation.
The WFFD there was a total of 14 apparatus and 40 firefighters on the scene who helped pump over 30,000 gallons of water.
WMBF News learned from neighbors that one of the fire hydrants was hit back in March and several calls have been made to get it replaced, but so far, that hasn’t happened. WMBF also reached out to the city of Florence several times to get answers on the fire hydrants, but haven’t gotten a response back.
And while the home was heavily damaged by the flames, many are happy the family inside the home made it out safely.
“It could’ve been a lot worse than it was, and we just thank God it turned out like it did and everybody got saved, even the two animals,” said Bailey.
Mobley said the fire most likely started in the garage, but the Florence County Sheriff’s Office will investigate the cause.
Copyright 2022 WMBF. All rights reserved.
Inauguration of BAPS Shri Swaminarayan Mandir, Florence, SC, USA
His Holiness Pramukh Swami Maharaj cultivated a vision to revive Hindu values and culture in the Southeast during his 1977 visit to Spartanburg, South Carolina. Swamis in the Southeast have since frequented the area to expand cultural, social and religious activities in the Hindu-American community. The culmination of this vision was achieved on Sunday August 28, 2022, with the inauguration of a new BAPS Shri Swaminarayan Mandir in Florence, South Carolina, in the presence of Pujya Gnanpriyadas Swami and other respected swamis.The his...
His Holiness Pramukh Swami Maharaj cultivated a vision to revive Hindu values and culture in the Southeast during his 1977 visit to Spartanburg, South Carolina. Swamis in the Southeast have since frequented the area to expand cultural, social and religious activities in the Hindu-American community. The culmination of this vision was achieved on Sunday August 28, 2022, with the inauguration of a new BAPS Shri Swaminarayan Mandir in Florence, South Carolina, in the presence of Pujya Gnanpriyadas Swami and other respected swamis.
The history of this mandir dates to 2002. Harishbhai Patel, an engineer by profession and a devotee from Lumberton, NC, reflects on his memories from the early 2000s, "I remember driving down from Lumberton every month for monthly assemblies. Only four of us gathered in the small living room of a well-wisher's home. We would discuss basic Hindu principles and inspiring incidents from the life of our Guru Pramukh Swami Maharaj, and how to implement these lessons into our lives."
When asked about establishing a mandir in Florence, Jitubhai Patel, a self-built businessman and the lead coordinator for the mandir, shares, "Even in 2002, we openly discussed our dreams of building a mandir here. At that time, the closest mandir was in Matthews, NC – a 2-hour car ride. Today, our dreams have come true."
Jitubhai Patel, speaks about the inspiration he received from Pramukh Swami Maharaj, "In 2004, I met with Pramukh Swami Maharaj in Chicago, IL. He gave me blessings to live a service-focused life of 'seva' and establish a mandir in Florence to foster the Hindu ideals of faith and unity."
It was from then onwards that regular BAPS activities were carried out with further enthusiasm and determination. On February 2, 2019, to fulfill the wish of His Holiness Pramukh Swami Maharaj, His Holiness Mahant Swami Maharaj, performed the consecration rituals of the murtis in Mehalav, India.
The inauguration on Sunday, August 28, 2022, was a culmination of a host of events held over two days. On the evening of Saturday, August 27, 2022, a Kirtan Bhakti program (singing of devotional songs) was performed by the BAPS Swamis and youths. A Women's Conference was also organized that afternoon.
The inauguration ceremony consisted of Hindu Vedic prayers for world peace, followed by the consecration ceremony, which Pujya Gnanpriyadas Swami and other Pujya Swamis performed at the behest of His Holiness Mahant Swami Maharaj. The ceremony signaled the mandir as a home of God open to all.
Devotees, community leaders, friends, and well-wishers from across the southeastern United States participated in the ceremony in person and virtually. Florence Mayor Pro Tempore/At-Large George D. Jebaily addressed the assembly on Sunday, "I really love the principles of BAPS so much. Your blend of spirituality and social service is second to none. I am glad that we will see a huge rise in our community of your people as well as of your wonderful teachings."
This Hindu place of worship was inaugurated after tireless efforts by dedicated volunteers. The mandir was constructed utilizing eco-friendly and cost-effective technological advancements, including natural lighting techniques and LED lights to help reduce its carbon footprint.
Boys & Girls Clubs to honor Susan and Rick Goings as 2022 Champions for Youth
FLORENCE, S.C. – The Boys & Girls Clubs of the Pee Dee Area is honoring Susan and Rick Goings as 2022 Champions for Youth on Tuesday at the SiMT building on the Florence-Darlington Technical College campus.Susan and Rick Goings have dedicated decades to serving children both in the United States and abroad, and are responsible for the establishment and ongoing operations of the Boys & Girls Club in Hemingway, said Neal Zimmerman Jr. He is executive director of the Boys & Girls Clubs of the Pee Dee Area.“...
FLORENCE, S.C. – The Boys & Girls Clubs of the Pee Dee Area is honoring Susan and Rick Goings as 2022 Champions for Youth on Tuesday at the SiMT building on the Florence-Darlington Technical College campus.
Susan and Rick Goings have dedicated decades to serving children both in the United States and abroad, and are responsible for the establishment and ongoing operations of the Boys & Girls Club in Hemingway, said Neal Zimmerman Jr. He is executive director of the Boys & Girls Clubs of the Pee Dee Area.
“The Goingses have made humanitarian and philanthropic efforts a cornerstone of their lives and left a legacy to youth in countless communities,” Zimmerman said in a media advisory.
While serving as chairman and CEO of Tupperware Brands, in 1998 at the urging of local Tupperware employees in Hemingway, the couple decided to open a Boys & Girls Club for Hemingway youth. It was a dream of many in the community to have a place for youth to go.
The Goingses helped purchase a 30,000-square-foot facility and funded extensive renovations to get the Hemingway club up and running.
Today, the Boys & Girls Club in Hemingway provides more than 350 youth annually with programs that empower them to become good citizens, excel academically, and lead healthy and productive lives, Zimmerman said.
“Rick Goings’ service to clubs began in 1990 when he was asked to assist Boys Clubs of America with their transition to Boys & Girls Clubs of America. Almost 30 years of service followed on the National Board of Governors for the Boys & Girls Clubs of America (BGCA), where he also served two separate terms as the organization’s chairman. Susan Goings also contributed much to the organization, serving as the Chairman of BGCA’s National Conference. She also serves on the Rollins College Hamilton Hold Board,” states the media advisory.
In 2019, the Goingses co-founded the World Federation of Youth Clubs. More than 4,000 clubs serve youth in 30 countries worldwide and address the growing need for international youth clubs for children and teens.
The Goingses also provide financial resources for college scholarships and youth-development programs for at risk youth through their foundation.
“The Pee Dee area has been blessed by many years of support the Goingses have provided to the youth of Hemingway,” Zimmerman said. “The Boys & Girls Clubs of the Pee Dee Area is proud to honor Rick and Susan as their 2022 Champions for Youth.”
Others who have been recipients of this award: 2019, William T. “Billy” Jarrell; 2018, Tom Ewart; 2017, Rob Colones; 2016, Buddy Brand; 2015, Dr. Tammy Pawloski; 2014, Florence Boys & Girls Club 50th Anniversary; 2013, East Florence Mission/ Center Day School; 2012, Rev. Dr. William P. Diggs; 2011, Darla Moore; 2010, Ralph R. Porter, Jr.; 2009, Dr. Allie E. Brooks Jr.; 2008, Richard C. Harrington Jr.; 2007, Rep. James E. Clyburn; 2006, Sen. Hugh Leatherman Sr.; 2005, Dr. Luther F. Carter and 2004, Frank Avent.
The Boys & Girls Club of the Pee Dee Area provides services to more than 3,500 youth a year through six club sites in three counties: Florence, Hartsville, Hemingway, Lake City, Pamplico and Timmonsville.
“We offer children four pillars: A safe place to learn & grow; Ongoing relationships with caring adults; Life enhancing programs & character development exercises; Hope & Opportunity,” Zimmerman said.
He said the club is making a difference in the lives of children. Ninety-eight percent of club members maintain a passing grade point average in school Ninety-seven percent of their members’ teachers say members’ homework is completed on a daily basis. Eighty-eight of their members’ teachers notice club members care more about learning and the same number say member’s behavior has improved.
Ninety-seven percent of their members’ parents say their children learned how to set goals and eighty-five percent of their parents say Club services help them hold a job.
Funds are raised through this event to help area children with various levels of sponsors and tickets.
DHEC taking tuberculosis outbreak at Florence healthcare facility very seriously
FLORENCE COUNTY, S.C. (WPDE) — The South Carolina Dept. of Health and Environmental Control (DHEC) continues their investigation into an outbreak of tuberculosis (TB) cases within the past couple of weeks at Faith Healthcare Center in Florence and they're taking it very seriously, according to DHEC.Agency officials said they can’t release the specific number of TB cases due to state and federal health privacy restrictions.DHEC said "Our investigation has identified several cases of TB at Faith Healthca...
FLORENCE COUNTY, S.C. (WPDE) — The South Carolina Dept. of Health and Environmental Control (DHEC) continues their investigation into an outbreak of tuberculosis (TB) cases within the past couple of weeks at Faith Healthcare Center in Florence and they're taking it very seriously, according to DHEC.
Agency officials said they can’t release the specific number of TB cases due to state and federal health privacy restrictions.
DHEC said "Our investigation has identified several cases of TB at Faith Healthcare Center. The impacted individuals have been given medicine and are being closely monitored. Please note that TB is not as contagious as other diseases that spread the respiratory route. There is a risk of infection if someone spends prolonged periods in close contact with someone with active TB. This occurs more commonly with household contacts or those in residential congregate settings."
DHEC assures that regulated facilities follow required staffing levels to provide the appropriate level of care required and provides assistance as needed in controlling outbreaks in health care facilities and congregate settings.
A viewer reached out to ABC15 with concerns about the TB disease at the facility.
DHEC added currently, their goal is to prevent further transmission and complete our investigation.
“DHEC is working closely with Faith Healthcare Center leaders as part of this investigation, and the facility has been following the guidance of DHEC through every step of the ongoing investigation," they said.
In the last 5 years, South Carolina has had an average of 87 tuberculosis disease cases.
TB is a germ that is "spread through the air by someone who has TB disease. You cannot get TB by eating or drinking after someone. TB spreads when the sick person with TB disease sneezes, coughs, sings or talks," DHEC said.
Dr. Ramzy Hourany works in pulmonology and critical care at MUSC in Florence.
Hourany said there are two types of TB infections, including latent and active.
Hourany said with latent TB infections, patient aren't sick because the germs are not active.
"When you have latent tuberculosis you are not contagious. You are healthy. Your immune system is going to wall off and keep it under control," said Hourany.
However, he added those with latent may develop TB disease in the future.
"The recommendation is to receive treatment for latent tuberculosis. Because it will prevent you from developing active tuberculosis.”
Hourany said those with an active form of TB usually have symptoms of the disease.
DHEC said those with TB disease of the "lungs or throat can spread germs to others."
Hourany added the medications are highly successful in treating the disease and preventing serious illness and or death.
In the early 1800s, DHEC said TB may have "caused about one-third of all deaths."
The Centers for Disease Control's (CDC) website said there are several treatments for Tuberculosis.
TB treatment can take four, six or nine months depending on the treatment plan.
Hourany said health regulating agencies, like DHEC, do an excellent job in helping to control any outbreaks.
“The main reason why it is that low in the United States is because of DHEC. And DHEC has been doing a very good job and controlling the tuberculosis. As well as treating it. In addition to kind of following the exposure," he said.
Faith Healthcare Center Administrator Michael S. Wilson released the following statement:
“Resident health and safety remains the first priority of Faith Healthcare Center. We have been working closely with the Department of Health and Environmental Control (DHEC) and have followed all recommendations and guidance provided. Privacy rules prohibit us from sharing any further information. “
North Carolina man gets extra year in federal prison after sending threatening letter to judge
WMBF News Staffhttps://www.foxcarolina.com/2022/09/15/north-carolina-man-gets-extra-year-federal-prison-after-sending-threatening-letter-judge/
FLORENCE, S.C. (WMBF) - A North Carolina man will serve an additional year in federal prison for mailing a threatening communication to a United States District Court Judge.Originally, Stanley J. Kowalewski, 50, of North Carolina, was convicted on 22 counts related to a sophisticated fraud scheme and sentenced to more than 17 years in federal prison.While serving that se...
FLORENCE, S.C. (WMBF) - A North Carolina man will serve an additional year in federal prison for mailing a threatening communication to a United States District Court Judge.
Originally, Stanley J. Kowalewski, 50, of North Carolina, was convicted on 22 counts related to a sophisticated fraud scheme and sentenced to more than 17 years in federal prison.
While serving that sentence in a prison in South Carolina, a federal judge received a letter that threatened to cause the women close to the judge to disappear if the judge did not grant pending motions for compassionate release.
The letter requested a reduction in sentence and release from prison by a certain date, according to court records.
Specifically, the letter stated:
You have failed to do the right things. Now you make us do this. You will grant ALL pending motions in your court for compassionate release by July 2nd, 2021 at 3:00 PM or earlier. They are all to be reduced to time served with NO supervised release. They will be immediate release from prison and no delays. If not, then we will begin to disappear the women closest to you. We know where they live, work, or go to school. If you try to alert the authorities, we will know and your loved ones will disappear. Do your job and everyone will be happy and you’ll never here from us again.
The day before the threat was mailed, an individual visited Kowalewski in the low-security prison where Kowalewski was then housed. When that person arrived, Kowalewski gave the visitor two envelopes, one inside the other, telling him to handle them with gloves, to not get fingerprints on them, to not ask questions, and to place them in the mail.
Court records show Kowalewski called the visitor after he left and told him to hurry up and mail the letter.
At the time of the threat, Kowalewski had a motion for compassionate release pending before the victim Court, and the threat came during a time Kowalewski had directed others to conduct an aggressive campaign contacting the Court asking for that motion to be granted.
Three weeks before the threat, Kowalewski said in a recorded call, “I just told everybody to double up on [the victim judge] and call twice a week and really make their life miserable.”
When the Federal Bureau of Investigation (FBI) and United States Marshal’s Service initially confronted Kowalewski, he lied about his participation in the threat and then sent out letters that provided the visitor a false story to tell agents if he was approached. If the visitor stuck with the story, Kowalewski wrote, “this will be over.”
Chief United States District Judge R. Bryan Harwell sentenced Kowalewski to serve an additional 15 months in federal prison (to be served consecutive to his current sentence), with three years of court-ordered supervision to follow.
There is no parole in the federal system.
This case was investigated by the United States Marshals Service with assistance from the FBI, the Federal Bureau of Prisons, and agencies in the Northern District of Georgia. Assistant U.S. Attorney Elliott B. Daniels prosecuted the case.
Copyright 2022 WMBF. All rights reserved.