Senior Medicare Advantage plan insurance in Folly Beach, 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 Folly Beach or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Folly Beach, SC

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 Folly Beach, 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:

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 Folly Beach

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:

 Senior Medicare Plans Folly Beach, SC

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 Folly Beach 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 Folly Beach, 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:

 Medicare Plans Folly Beach, SC

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 Folly Beach, 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 Folly Beach. 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
 Healthcare Folly Beach, SC

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.

 Burial Insurance Folly Beach, SC

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.
 Medicare Advantage Folly Beach, SC

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 Folly Beach, SC

Folly Beach residents discuss pros and cons of short-term rentals

This issue stems from a citizen petition looking to cap short-term rentals – these are things like Airbnb listings or rented out condos.FOLLY BEACH, S.C. (WCSC) - The City of Folly Beach could lose $1.5 million in revenue if they decide to limit short-term rentals – that’s according to a project manager who talked at a community meeting on Wednesday.At the same meeting residents discussed the pros and cons of ...

This issue stems from a citizen petition looking to cap short-term rentals – these are things like Airbnb listings or rented out condos.

FOLLY BEACH, S.C. (WCSC) - The City of Folly Beach could lose $1.5 million in revenue if they decide to limit short-term rentals – that’s according to a project manager who talked at a community meeting on Wednesday.

At the same meeting residents discussed the pros and cons of capping short-term rental licenses on the island to 800.

This issue stems from a citizen petition looking to cap short-term rentals – these are things like Airbnb listings or rented out condos.

Another major concern came from some real estate agents that spoke Wednesday night. They say they’re having major trouble closing deals because of this potential cap.

Others, like Michael Riffert, say it’s affecting their overall livability.

“Even though it hasn’t even gone to vote yet, I am being impacted right now,” Riffert said.

Riffert has been a builder on the island for more than 16 years. Since the short-term rental cap is still up for debate, he says he’s had to pull two of his homes off the market from buyers’ concerns.

“They see that our property rights are being stepped on and they’re like, ‘We don’t want any part of it. We don’t want to move to this community,’” Riffert said. “And that’s what we’re up against right now.”

Riffert’s livelihood is not the only thing being affected. Others brought up concerns that their lifelong home might slip out from under them. Due to the current license law and moratorium in place, some say their homes might not be able to be passed down to their kids.

Tom Powers is another resident that is against the short-term rental cap.

“To take that away without trying to really make enforcement work that’s just what’s got us trying to fight back against that,” Powers said.

A majority of people at the discussion were against the short-term rental cap. A few people pro-cap were in attendance, but those associated with the Folly Beach Resident Association said they did not feel safe going on camera for fear of personal attacks.

They provided this statement:

Pro-Cap supporters and Folly Beach Resident Association members have been bullied and harassed both in person and online and, therefore, we do not feel safe attending this one-sided event, which could provide the forum for more personal attacks for us and our families.

It is our understanding that officials from the City of Folly Beach will not be in attendance. Without experts from the City present to factually answer residents’ questions, we don’t feel this forum is a beneficial one and that it could fuel further divisiveness and misinformation. Therefore, FRA will not be participating in this event.

All Folly Beach voters have access to the facts on our Facebook page, Folly Beach Residents Association and by contacting the City directly with specific questions.

Riffert says he avidly agrees with what city council has done to support their side for the last couple months. He says he understands where the opposing side is coming from.

“We want enforcement,” Riffert said. “We don’t want people to have an issue with a bad house next door.”

Powers says he wants everyone to come together and find a solution.

“Our approach is let’s surgically deal with that instead of, I’ll give my analogy: ‘You got a problem with your big toe, you don’t need to cut off your leg,’” Powers said.

Permanent residents on Folly Beach can cast their ballots on Feb. 7 in favor or against the short-term rental cap.

Copyright 2023 WCSC. All rights reserved.

Folly Beach gearing up for annual Flip Flop Drop

FOLLY BEACH, S.C. (WCBD) – Folly Beach is gearing up to welcome in the new year with a flip flop drop and Bill Murray look-a-like polar plunge.The annual tradition of the flip flop drop has ushered in the new year at Folly Beach since 2011. A giant pair of sparkling flip flops will descend from high above Center Street as a crowd of celebrators count down to the new year on Saturday, ...

FOLLY BEACH, S.C. (WCBD) – Folly Beach is gearing up to welcome in the new year with a flip flop drop and Bill Murray look-a-like polar plunge.

The annual tradition of the flip flop drop has ushered in the new year at Folly Beach since 2011. A giant pair of sparkling flip flops will descend from high above Center Street as a crowd of celebrators count down to the new year on Saturday, December 31st.

Crews with Folly Beach Public Safety were practicing for the big event on Wednesday.

“The crowds, they keep coming to the Flip Flop Drop- they normally stop off at the business establishments and get revved up as we get closer to about 11 o’clock or so. The crowds begin building up around the ladder truck in anticipation of the flip flop drop,” said Deputy Director Rocky Burke with Folly Beach Public Safety.

There will also be a Bill Murray look-a-like polar plunge that happens on New Year’s Day. Participants are encouraged to dress in their best Bill Murray costume before jumping into the cold Atlantic Ocean in front of the Tides hotel.

“A lot of brave souls come out for that and jump in that cold water,” said Burke. “You know, on January 1, dressed in bikinis and things of that nature and a lot less clothing, braver than me.”

And of course you can always enjoy the brand new Folly Beach Pier which opened on the day after Christmas. A lot of people are already taking advantage of what is once again another beautiful place to spend some time enjoying Folly Beach.

“We just want people to come have a good time. Spend your money, have a good time and do it in moderation- be safe about what you’re doing and enjoying the flip flop drop,” Burke said.

Festivities for the Flip Flop Drop start at 11:00 p.m. on New Year’s Eve with the drop happening at midnight. Meanwhile, the Bill Murray costume contest takes place New Year’s Day at 10:00 a.m., following by the plunge at 11:00 a.m., and a party at the Tides hotel at noon.

Folly Beach using marsh mapping in 2023 sea level rise adaptation plan

FOLLY BEACH, S.C. (WCSC) - The City of Folly Beach is using new marshfront data to update its 2023 Sea Level Rise Adaptation Plan.The barrier island floods more and more every year due to sea level rise. That’s why the city hired a local coastal geologist to map the marsh and see how it plays into the landscape.Elko Coastal Consulting President Nicole Elko and those working with her spent the summer of 2022 surveying and mapping what’s called the critical line of the marsh. They took satellite measurements every 20 ...

FOLLY BEACH, S.C. (WCSC) - The City of Folly Beach is using new marshfront data to update its 2023 Sea Level Rise Adaptation Plan.

The barrier island floods more and more every year due to sea level rise. That’s why the city hired a local coastal geologist to map the marsh and see how it plays into the landscape.

Elko Coastal Consulting President Nicole Elko and those working with her spent the summer of 2022 surveying and mapping what’s called the critical line of the marsh. They took satellite measurements every 20 feet to the elevation of where the marsh ends and where the upland ecosystem begins.

“In our survey of the critical line, we found that the critical line sits at an elevation of about eight feet relative to our tidal datum. So, if you’re out here on Folly, we talk about six-foot tides, we talk about eight-foot tides-- that’s normally your king tide. It’s that one that’s starting to come up over the marsh, perhaps cause some flooding on the island,” Elko explains.

This information can be used to map sea level rise and understand how the landscape will change in coming years. For the city, they will use the information to adjust irrigation, assess the seawall and plan infrastructure to grow with the changing environment.

“The guidance tells us that events that we’re seeing now are going to happen 10 times more often by 2050. So, in less than 30 years. We are going to be seeing these inundating king tides which are happening once a month now happen 10 times a month. So it’s going to have a significant impact on all coastal property as well as the way the city is managing the infrastructure here on the island,” Elko says.

For people who live on the island, like Kristen Phillips Kappel and her daughter Drayton, the natural wonders are what drew them to Folly.

“I like when we walk down the beach and find like different kinds of animals like one time we found this really weird thing and we looked it up. It was called like, an onion...a sea onion,” Drayton says.

The mother daughter duo believe cataloguing, protecting, and growing with nature is essential to Folly’s community.

“It’s absolutely enhanced our life to be able to have this beauty of nature around us and kind of live in synchronicity with it. We take a lot of walks and we probably have our best talks when we’re walking,” Kristen says.

Elko says while the State and Army Corps of Engineers along with hired coastal geologists have surveyed the beaches and replenished that land for year, there hasn’t been the same focus on the marsh. Yet, the marsh also has a significant impact across barrier islands.

“The marshes are the nursery grounds for all of the fish that end up in the ocean as well as oysters, crabs, etc. It’s very important resource for us to maintain with sea level rise with climate change over the next five to 10 years. We’re already seeing some more routine flooding on the island. So, the ocean is kind of crossing that critical line boundary more often than it has in the past,” Elko says.

Elko will present her findings to Folly Beach City Council at Tuesday’s regular meeting. Her advice to the city is to collect new data every three years on the marsh.

You can read her report in the agenda on pages 3-18.

Copyright 2023 WCSC. All rights reserved.

Turtle advocates ask home owners to turn off lights even during nesting off-season

FOLLY BEACH, S.C. (WCIV) — You won't be hearing the sounds of turtles splashing their way to the ocean yet from Folly Beach and surrounding sea turtle hot spots.But efforts continue to make sure when sea turtle season kicks off on May 1st that the creatures' path to a long life is as clear as can be.It’s pretty darn critical. We’re constantly, every season dealing with disorientations with the turtles. Where they get distracted by the lighting on the beachfront," said Eric Lutz, the City of Folly Beach's ...

FOLLY BEACH, S.C. (WCIV) — You won't be hearing the sounds of turtles splashing their way to the ocean yet from Folly Beach and surrounding sea turtle hot spots.

But efforts continue to make sure when sea turtle season kicks off on May 1st that the creatures' path to a long life is as clear as can be.

It’s pretty darn critical. We’re constantly, every season dealing with disorientations with the turtles. Where they get distracted by the lighting on the beachfront," said Eric Lutz, the City of Folly Beach's Director of Public Works.

Lutz says the City's ordinance 151.45 deals directly with artificial nighttime lighting coming from properties right off the beach.

That lighting can impact a hatchling's travels during hatching season.

City officials and marine biologists say the light draws the turtles toward that source instead of following the horizon and straight into the Atlantic Ocean.

According to Lutz, “we’ve seen tracks of 40 and 50 turtles heading the wrong way, not towards the ocean, dead turtles on the beach the next morning. It happens more often than people would think.”

The City's Business License Official, Stacee Ritche said, “We have a very active turtle season here....Mothers are 30 years old before they can come to nest. And if there are lights on or you know, noise or holes or anything that, that could hamper them nesting they will turn around and go back to the ocean.”

Both Lutz and Ritchie say they want enforcement of the ordinance to include warnings and education about what needs to be done instead of just giving out fines.

The rules impact homeowners, property owners, property managers and renters.

Ritchie says, "the guests can receive a citation. The property manager can receive a citation, as well as the owner.”

According to Ritchie at least five violations led to convictions in court last year. Those convictions came with a $500 fine.

However, Ritchie says all of those convicted have fixed up their homes to comply. And many more warnings were given.

Lutz tells us it's not necessarily locals who violate the ordinance, "in fact the majority of our issues most years tend to be with the rental properties because they have new guests coming in every week that don’t know the rules. They may not be from the coastal areas.”

Lutz and Ritchie say it's up to the owner or manager of the property to inform any guests about the rules of the beach.

Some of the injured turtles find their way to the South Carolina Aquarium.

Cait Crosby, the Senior Sea Turtle Biologist tells us, "any sea turtle that is found on our coastlines or in our waterways is brought to us the by the South Carolina Department of Resources Marine turtle program."

Crosby says it's important to keep turtle movement during the night free of artificial factors if possible.

Crosby and the Folly Beach officials say compliance can start now, months away from May and there are tips to handle the situation while walking the beach this Summer.

"If you're going to be out on a beach, a sea turtle nesting beach specifically, you want to have a red flashlight. with you if you can. Or a red filter on your cellphone," says Crosby.

Meanwhile Lutz has several tips that should be followed to get your property ready:

"After 10 pm during turtle season they have to have lights out or they have options for shading on the interior of the windows, blinds. They make special blinds you can use to black it out, or you can actually switch to low wattage bulbs, similar to like a bug type bulb.”

Celebrate the season with these Lowcountry holiday-themed events

CHARLESTON, S.C. (WCSC) - Christmas is approaching in the next two days, and here are some reminders of events happening over the weekend for the holidays.If you are interested in an interactive experience, Friday is the last day to experience Holy City Christmas at Holy City Brewing. Walk through Santa’s House and Toy Workshop, where you can meet North Pole Elves, take plenty of photos and enjoy complimentary treats. Guests will have a chance to meet Santa, and you are able to walk into immersive rooms such as Ms. Claus’ ...

CHARLESTON, S.C. (WCSC) - Christmas is approaching in the next two days, and here are some reminders of events happening over the weekend for the holidays.

If you are interested in an interactive experience, Friday is the last day to experience Holy City Christmas at Holy City Brewing. Walk through Santa’s House and Toy Workshop, where you can meet North Pole Elves, take plenty of photos and enjoy complimentary treats. Guests will have a chance to meet Santa, and you are able to walk into immersive rooms such as Ms. Claus’ storytime den. To purchase tickets you can click here, and if your child is 2 years old or younger, a ticket is not required for entry.

The Holiday Festival of Lights ends on Dec. 31, and you have one more week to enjoy this festive experience. The Holiday Festival Lights will be held at James Island County Park from 5:30 p.m. to 10 p.m.

If you would like to participate in the Palmetto’s Workshop, Winter Wonderland and more, you can click here to purchase tickets and see additional activities the festival has to offer. The lights will be open on Christmas Eve and Christmas Day, and you can purchase tickets online or at the gate.

This weekend you can ice skate at the Follyday Park Skating Rink on Folly Beach. Enjoy Follyday Park, where you can ice skate right next to the beach. Tickets are $10 per person for 30 minutes of skating, including skate rentals. There will also be a 20 foot tree light show, fire pits and holiday treats. For more information on this Winter Wonderland, you can head here to find the location and purchase tickets.

Jesus’ Birthday Party is set for Christmas day. The event will not take place at the Citadel Stadium this year but will still take place in five neighborhoods. Volunteer to help distribute gifts, food, blankets and more. Volunteers will arrive at 9 a.m. at a central location. To find out more or participate in the community service event, you can call 843-568-8962 or email gordon.cashwell@gmail.com.

Copyright 2022 WCSC. All rights reserved.

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