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 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.

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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:

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 Care 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 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 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 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:

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 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.

For many people, the best time to buy senior Medicare Supplement Plan Insurance in cityname is during the six-month 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 Care Insurance Solutions 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:

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 Folly Beach

Folly Beach businesses ‘excited’ for flip flop drop’s in person return

FOLLY BEACH (WCSC) – Business owners on Folly Beach say they are excited to welcome back a New Year’s tradition for the first time since the COVID-19 pandemic began.The city’s flip flop drop will be held on New Year’s Eve along Center Street.“We’re very excited to have that happen again,” Rita’s Seaside Grill Manager Tayler McBarron said.Charlotte Goodwin, the brainchild of the event and the mayor’s wife, said the event has helped make Dec. 31 the busiest night the lo...

FOLLY BEACH (WCSC) – Business owners on Folly Beach say they are excited to welcome back a New Year’s tradition for the first time since the COVID-19 pandemic began.

The city’s flip flop drop will be held on New Year’s Eve along Center Street.

“We’re very excited to have that happen again,” Rita’s Seaside Grill Manager Tayler McBarron said.

Charlotte Goodwin, the brainchild of the event and the mayor’s wife, said the event has helped make Dec. 31 the busiest night the local businesses will have throughout the year.

McBarron said she expects to have at least 100 more customers for this year compared to 2020, when the event was held virtually.

“All the bars had to be shut down and all alcohol off the tables by 11 o’clock,” McBarron said. “So we couldn’t even celebrate New Year’s at our restaurant with people in it.”

Folly Beach Council Member DJ Rich owns Planet Follywood, a local dive bar off Center Street.

He said the flip flop drop helps bring in people across the Lowcountry to Folly Beach.

“Events like this are always better when they’re in person,” Rich said. “You know, you just get more of a feel. You’re more in the spirit, things of that sort. You just have a lot more fun when it’s in person.”

Goodwin, meanwhile, added that this year’s drop will be the 11th time it’s held.

“People are excited. We’ve had people walking by, and they’re just looking, saying, ‘Oh, they’re excited,’ and we’re going to be here to see them.”

Although the pandemic has taken its toll on the Lowcountry, business owners said they are excited to have a holiday tradition come back.

“It’s one of our favorite events of the year, and because it’s in the offseason, and it’s just something that’s very unique, very community oriented,” Rich said. “You’ll see people from the community of all ages come out.”

Organizers will be closing Center Street at around 10 p.m. to prepare to welcome the new year.

Copyright 2021 WCSC. All rights reserved.

What you need to know about setting off fireworks in Charleston

It’s not unusual to hear the sounds of fireworks popping off in your neighborhood between the Christmas and New Year’s Eve holidays — but that doesn’t mean it’s the right time to set them off.If you’re planning on ringing the new year with an at-home firework display, make sure you know the local ordinances and laws to avoid receiving a fine (and irritating all of your neighbors in the process).Here’s the lowdown on when and where you can set off fireworks in the Charleston area this ye...

It’s not unusual to hear the sounds of fireworks popping off in your neighborhood between the Christmas and New Year’s Eve holidays — but that doesn’t mean it’s the right time to set them off.

If you’re planning on ringing the new year with an at-home firework display, make sure you know the local ordinances and laws to avoid receiving a fine (and irritating all of your neighbors in the process).

Here’s the lowdown on when and where you can set off fireworks in the Charleston area this year:

Purchasing and igniting fireworks within the city limits is prohibited. (Many of the surrounding islands also ban the lighting of fireworks year-round, including Folly Beach, Isle of Palms, Sullivan’s Island, Kiawah Island and Seabrook Island.)

City of North Charleston

Residents of North Charleston are permitted to set off fireworks throughout the year between the hours of 9 a.m.-11:20 p.m. Special exceptions are made on New Year’s Eve and the Fourth of July, when fireworks are allowed until 1 a.m.

Town of Mount Pleasant

Mount Pleasant permits fireworks the day before, the day of and the day after a holiday between 9 a.m.-10 p.m. For New Year’s Eve, firework displays would be legal during these hours on Dec. 30 and 31, 2021 and Jan. 1, 2022.

Town of James Island

Fireworks are legal year-round on James Island between 9 a.m.-11 p.m. This time frame is extended on New Year’s Eve.

Town of Summerville

Summerville dwellers are permitted to light fireworks throughout the year between 10 a.m.-10 p.m. and on the New Year’s Eve and the Fourth of July until 1 a.m.

City of Goose Creek

Goose Creek only permits fireworks on holidays including Christmas Eve, Christmas Day, New Year’s Day, New Year’s Day and Fourth of July.

Town of Monck’s Corner

Monck’s Corner residents can shoot off fireworks only on New Year’s Eve between 9 a.m.-1 a.m. and on the Fourth of July from 9 a.m.-11 p.m.

If you’re unsure about the ordinances in your area, check your local government’s website. People living in neighborhoods with a Homeowners Association should check with their HOA about firework guidelines.

Looking for professional fireworks displays? You can catch a few around Charleston.

Folly Beach County Parks experience flooding, erosion after weekend high tides

FOLLY BEACH, S.C. (WCSC) - High tides at Folly Beach that led to flooding and erosion this past weekend reached eight and a half feet, Folly Beach Officials said.Photos taken on Wednesday show the waterline up against the dunes. The dunes along the beach were put in place to protect the seawater from rushing further inland, Folly Beach Coastal Consultant Dr. Nicole Elko said.Rising sea levels and climate change are to blame for the tidal flooding, Elko said.“We are experiencing bigger spring tides – that&rsqu...

FOLLY BEACH, S.C. (WCSC) - High tides at Folly Beach that led to flooding and erosion this past weekend reached eight and a half feet, Folly Beach Officials said.

Photos taken on Wednesday show the waterline up against the dunes. The dunes along the beach were put in place to protect the seawater from rushing further inland, Folly Beach Coastal Consultant Dr. Nicole Elko said.

Rising sea levels and climate change are to blame for the tidal flooding, Elko said.

“We are experiencing bigger spring tides – that’s what they used to be known as,” Elko said. “Nowadays, people call them king tides, so these are our larger tides that occur during the new moon, particularly during this time of year.”

For every dollar spent on beach restoration, six dollars get put back into South Carolina’s economy because of increased visits to the state’s beaches and parks, officials said.

South Carolina’s accommodation taxes help fund beach restoration efforts, officials said.

“The past weekend’s flooding event was very impactful to the beach and dune system,” Elko said. “The higher waters drove large waves over and flooded the entire beach system, and the dunes were also overtopped.”

Elko added that the dunes helped retain the encroaching water that threatened the nearby marshland and inland communities.

“Previous dune and beach restoration projects have increased the elevation of the beaches and dunes on places like Folly Beach,” Elko said. “So while the dunes are eroded and while the beach went underwater during the storm, we didn’t have those waves and flooding impacting the infrastructure, so these natural projects actually are protecting and serving as flood mitigation.”

As the sun started to set and the tide receded, the extent of the erosion on Folly Beach came into view.

The roots of trees, previously battling waves, were visible, and the wounds created by Mother Nature have scarred the shoreline.

Cale Shipman calls West Ashley home during the winter.

“I feel lucky to be able to spend my winters here, and [flooding] is a big issue for all of these coastal areas, whether it be Charleston or anywhere along the coast,” Shipman said.

Shipman and his wife Marcia spent Wednesday on Folly Beach admiring the waves and discovering what was left behind after the tides rolled in.

“I think these king tides that we’re experiencing this week are unusual in the fact that they’ve had so many of them in a row,” Shipman said.

While the systems in place on the beach held up, those who ventured out on Wednesday witnessed Mother Nature’s power.

Copyright 2021 WCSC. All rights reserved.

Folly Beach to consider moratorium on short-term rentals

FOLLY BEACH, S.C. (WCIV) — Renting a spot on the beach is more popular than ever. Folly Beach may soon put a moratorium on short-term rentals.City council will consider a six-month moratorium on short-term rentals at its council meeting on Tuesday.The number of short-term rentals on Folly Beach has grown significantly in the last couple years.In 2011, when the city first started collecting data, there were 438 licensed short-term rentals. That number grew to 779 in 2017 and by September 2020, there were 1,019 licen...

FOLLY BEACH, S.C. (WCIV) — Renting a spot on the beach is more popular than ever. Folly Beach may soon put a moratorium on short-term rentals.

City council will consider a six-month moratorium on short-term rentals at its council meeting on Tuesday.

The number of short-term rentals on Folly Beach has grown significantly in the last couple years.

In 2011, when the city first started collecting data, there were 438 licensed short-term rentals. That number grew to 779 in 2017 and by September 2020, there were 1,019 licensed and approved short-term rentals.

The proposal would place a moratorium on new rental licenses. It would not apply to properties who were issued and approved in 2020.

City Administrator Aaron Pope said Folly’s short-term rental rules have not been amended since 2018 and do not reflect the current climate. He said the moratorium will put a pause on rentals and give the city time to study what changes need to be made.

Business is booming for those who rent. Gary Hart runs Folly’s Best Rentals.

“I know in our situation at Folly’s Best Rentals we often have more guests inquiring about properties than properties available and so that drives people to want to buy properties to rent them out and so Folly Beach is concerned about how that’s going to affect livability of the island and their ability to control it,” said Hart. “There are people here in town who own houses on Folly who rent them out as short term rentals but they still use their property a tremendous amount, so that’s just a battle Folly Beach is going to have to sort out, how are they going to handle it.”

The proposal allows homeowners to renew or transfer licenses to existing properties prior to the moratorium. Whatever decision council makes is still at least two weeks away. Council will hear the first reading of the proposal Tuesday. If it passes, council will hear the second and final reading the following Wednesday.

Hart said he sees both sides to the argument, the pros and the cons. He added rentals pay a 4% accommodation tax.

“The people who are going to have difficulty with it, they have in the past had people who had been renting their property in the past and didn’t follow the law and get a license. Those people will definitely be impacted,” Hart said. “There’s a lot of good in vacation rentals. There are some companies who do vacation rentals who don’t play by the rules and my personal opinion is those are the ones that they need to be addressing this with.”

Group asks for your help protecting shorebirds when taking a trip to the beach

FOLLY BEACH, S.C. (WCBD) – Audubon South Carolina is asking beachgoers to watch out for shorebirds as they hit the sand this weekend and throughout the summer.The group is working to ensure the nesting birds can safely raise their young this summer.“They go hand-in-hand with the scenery around here,” said beachgoer Arthur Kilgo. “I don’t think it would be a good beach without some type of birds.”Kilgo loves visiting the beach with his wife and enjoy seeing the birds. “It makes th...

FOLLY BEACH, S.C. (WCBD) – Audubon South Carolina is asking beachgoers to watch out for shorebirds as they hit the sand this weekend and throughout the summer.

The group is working to ensure the nesting birds can safely raise their young this summer.

“They go hand-in-hand with the scenery around here,” said beachgoer Arthur Kilgo. “I don’t think it would be a good beach without some type of birds.”

Kilgo loves visiting the beach with his wife and enjoy seeing the birds. “It makes the scenery a little bit more pleasant,” he said.

Audubon South Carolina says seabirds around the world have decreased by 70-percent since 1950. So, they are taking steps to protect lots of birds.

“We’re at Folly Beach Lighthouse Inlet Heritage Preserve but there are sites up and down the coast that have nesting birds right now,” said Allyssa Zebrowski.

They are protecting various birds by putting up signs and plastic fencing.

“Particularly Least Terns, Wilson’s Plover, and American Oystercatchers,” said Zabrowski.

We were able to see some birds feeding their babies while visiting the beach Thursday afternoon.

“That was a Least Tern, it is state-threatened here in South Carolina, which means that due to human disturbance and some other factors their populations are dwindling, unfortunately,” she said.

Due to coastal birds’ camouflage, they can nest directly on the beach. You can help by giving nesting birds at least 100 feet, or about six car lengths, of distance; steer clear of these roped-off areas and if pets are allowed on the beach, keep them leashed.

When boating, pay attention to beach and island closures, which are designed to protect vulnerable bird populations.

Kilgo says he understands why these birds need their space.

“I mean they nesting need to grow a little bit and by us being humans we messing around them, messing up their habitat and their little nesting areas; it’s just like somebody coming into one of our nursery areas messing with our little children and kids,” said Kilgo.

Bird nesting season essentially runs the length of summer. You can expect to see birds nesting in the area into at least August.

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