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

Nearshore placement project at Folly Beach proves to be successful, another in the works

CHARLESTON COUNTY, S.C. (WCIV) — The Army Corps of Engineers is working to replenish Folly Beach by using what is called a "nearshore placement" project.&...

CHARLESTON COUNTY, S.C. (WCIV) — The Army Corps of Engineers is working to replenish Folly Beach by using what is called a "nearshore placement" project.

"You would literally walk off the steps and the water would be underneath the steps. There's no beach at high tide at all, like down by the washout," says Folly Beach visitor Amy Heaton.

Beach replenishment projects are crucial in protecting beaches and buildings on Folly.

"This will help protect the infrastructure of the homes, the businesses behind the beach, as a protective structural measure," says Wes Wilson, project manager with the Army Corps of Engineers in Charleston.

One of the ways to replenish beaches is through a project that has worked before.

"The nearshore placement project is a really innovative approach that the Army Corps is taking to utilize sediment that is being dredged for navigation purposes and to keep the boating channels clear, and then take that sand and help to feed the beaches in a different way than traditional beach nourishment," says Nicole Elko, president of Elko Coastal Consulting.

The last nearshore placement project took place in 2021. The Army Corps of Engineers and City of Folly Beach dredged up 50,000 cubic yards of sand from the Folly River, took it to the northeast end of the beach and dumped it about 200 to 300 yards offshore.

It proved to be successful thanks to the tracer monitoring contract and some colorful markers.

"The contractor used orange and pink dye in some of their sand loads and disposed of it. They sampled it and determined where on the beach those particular deposits landed," says Wilson.

These placement projects come with a lot of benefits.

"It is known to be a lot more environmentally friendly, too. That's one of the things we look for. The three "E's" is engineering, economics and environmental. The economics- that's cheaper; environmentally more friendly; and the engineering is constructible," says Wilson.

Another project is already being designed due to the success of the first. It is projected to wrap up by late spring of 2023.

These projects are federally funded.

Hit the Road: a flavorful foray to Charleston, SC

We hope you’ve packed your appetite. This month, we’re finishing our Hit the Road series with a flavorful foray into Charleston, SC.Whether you’re interested in taking a walking food tour, putting your cooking skills to the test at a Zero George class, or trying the award-winning steamed oysters at Bowen’s Island, this driving-dis...

We hope you’ve packed your appetite. This month, we’re finishing our Hit the Road series with a flavorful foray into Charleston, SC.

Whether you’re interested in taking a walking food tour, putting your cooking skills to the test at a Zero George class, or trying the award-winning steamed oysters at Bowen’s Island, this driving-distance destination is every foodie’s dream.

Before you start packing your bags, here’s everything you need to know about the area, along with our insider recommendations.

Hang out and eat around Folly Beach

The “tattooed bohemian” energy that you know and love in Asheville is palpable at this laid-back beach community. If you deign to leave your perch at the beach, consider visiting Chico Feos for tacos, Cuban sandwiches, and a generous selection of craft beer (and while you’re there, see how many Asheville stickers you can spot behind the bar — we saw about 20).

Two other gems: Bert’s Market, with its 24/7 selection of ice cream, burritos, burgers, paninis, and other casual eats — and the globally-inspired comfort food at Jack of Cups Saloon.

Take a cooking class with Zero George

Gather round this hotel’s professional demo kitchen for an intimate class led by Executive Chef Vinson Petrillo and Sous Chef’s Tyler Chavis. The result? A multi-course meal with wine pairings, plus heaping servings of professional expertise. Book a class.

The Historic Supper Club

This four-course, family-style meal — situated in a lavish French Quarter dining room — offers a rich + historical experience of Charleston’s culinary scene. Make a reservation.

This three-hour omakase (which translates “to entrust” or “I leave it to you” in Japanese) raw bar dining experience is curated by the world’s first master mermmelier: Chef Kevin Joseph. This 11-course, mind-bending meal of marine cuisine is available by reservation only.

Want an unfussy, heaping pile of oysters, fried shrimp, hushpuppies, and the like? This walk-up, deceptively gourmet sea shack (and the winner of a 2006 James Beard Award) is chock full of character, humility, and life-changing seafood, so long as you’re okay with waiting in line.

Lamb dumplings, dan dan noodles noodles, and mapo tofu can be yours at this lively, peppery, and exquisitely authentic Sichuan eatery. Pssst, if you’re feeling dare devilish, try your hand at the Sichuan Negroni, made with peppercorn-infused Campari, vermouth, and Beefeater gin.

New to the scene, this chic seaside restaurant is modeled after a 1970s sailboat and offers classic seafood hits like peel-and-eat shrimp + fried seafood baskets — plus sophisticated and higher-end offerings like lobster rolls and tuna tartare with bone marrow.

This playful eatery, housed inside a converted auto shop, knows how to play the hits. Come for the oysters, fried chicken, and shrimp rolls — stay for the soft serve, frozen gin and tonics, and rosé on tap.

A meal at Frannie & The Fox, a wood-fired, Italian-inspired eatery, is reason enough to stay at this boutique hotel. A few other perks: complimentary strong punch cocktails (or house lemonade) upon check-in, Lowcountry curios sprinkled throughout the space, and an impressive collection of 500+ vinyl records.

This stylish, boutique hotel — which takes inspiration from the semi-fictional character Japhy Ryder in Jack Kerouac’s “The Dharma Bums” — is centered in the heart of downtown Charleston, which means you’re only a stone’s throw away from two of the Palm City’s most famous restaurants, F.I.G. and Lenoir.

Bonus: If you stay here, you also have an excuse to linger in the sunshine at Little Palm, the hotel’s breezy poolside cafe + cocktail bar.

Come for the funky + eclectic aesthetic (read: crushed velvet headboards and a synthetic turf-covered rooftop bar), stay for the spectacular meals offered at the coastal-inspired Élevé that blends Southern heritage with the finest French culinary techniques.

Hungry for more? Catch up on the last two months’ Hit the Road features: Joyce Kilmer Memorial Forest and Black Mountain.

Children with autism ride the waves during annual Surfers Healing Folly Beach event

FOLLY BEACH, S.C. (WCIV) — The crashing waves off Folly's coastline is the perfect place to make that perfect connection."This is awesome man. Surfers Heal...

FOLLY BEACH, S.C. (WCIV) — The crashing waves off Folly's coastline is the perfect place to make that perfect connection.

"This is awesome man. Surfers Healing Folly Beach." The volunteers were definitely excited.

So, you can imagine how the families of Autistic children and the pros on the surfboards feel.

"They're healing me," says a surfer who goes by the name Sushi. Probably a good mix for the turf and surf environment.

The expression of joy on the faces of the kids who surfed with Sushi, and his own face after each ride, are tough to describe but amazing to see.

"Just being able to experience something that you think your kid on the spectrum will never experience."

That's Jessica Miler. She's a mom of two autistic kids taking part in the annual program. It's the family's third year.

Surfers Healing's Folly Beach event has been going on for more than a decade.

It gives children struggling with social abilities a chance to surf in a family-like atmosphere.

250 participants plus around another 250 volunteers, staff, family members and surfers from around the country- making it happen.

One of the organizers, Nancy Morris, tells us during her years working the event, "I've seen parents who've never seen their kids swim or do anything -- they don't have to be able to swim -- but never seen their kids come to the beach, because it's too hard to bring them. Get to experience a beach day for the first time."

It's emotional moments that the event brings out.

Morris says, "Like standing with parents and really having them, never gotten to see, I've had people just be like 'I didn't know he could do this.' And just tears streaming down their faces."

Morris hears the children's loved ones and strangers cheering them on.

Jessica Miler keeps discovering more moments that'll last for years as her kids, Brody and Izzy, are steadied on a surfboard while feeling the waves crash around them.

"To see my kid out there. It's just a locked memory."

Each of the kids not only got pictures taken and big hugs after surveying the surf- they also got special medals.

A new restaurant moving into the former Zia Taqueria in West Asheville, plus Biltmore Park

ASHEVILLE - The question of what will take over the former Zia Taqueria location in West Asheville has been answered.South Carolina-based restaurant management company has announced it will make its Asheville debut with two Taco Boy restaurant locations slated for the mountain city.“I couldn’t be more excited to bring Taco Boy to Asheville. Living in both cities has confirmed what I always believed as a visitor: that our values, as a family of neighborhood taquerias, align with the greater sense of pu...

ASHEVILLE - The question of what will take over the former Zia Taqueria location in West Asheville has been answered.

South Carolina-based restaurant management company has announced it will make its Asheville debut with two Taco Boy restaurant locations slated for the mountain city.

“I couldn’t be more excited to bring Taco Boy to Asheville. Living in both cities has confirmed what I always believed as a visitor: that our values, as a family of neighborhood taquerias, align with the greater sense of purpose I feel within the community in Western North Carolina,” founder Karalee Nielsen Fallert said in a news release. She is also the founder and CEO of All Good Industries restaurant management group. “We believe that all good things are possible with the power of inclusivity, generosity, interconnectedness and tacos ... and always EXTRA guac!”

Taco Boy, a Mexican cuisine-inspired eatery, will open at 521 Haywood Road, tentatively by the end of 2022. It is the address of Zia Tacqueria, which closed in May.

Hiring for Taco Boy will begin in November.

The venue will be remodeled before opening day and the décor will be accented by work from local artisans. It will be designed to encourage community collaboration through food, drink, music, entertainment and art.

Related:West Asheville restaurant announces permanent closure after 10 years of service

Food news:Cookbook dinner with James Beard chefs, new hot sauce, freebies and deals

By spring 2023, a second location is scheduled to open in Biltmore Park Town Square, 2 Town Square Blvd., #130. Hiring is expected to begin in late January.

In 2006, the first Taco Boy was opened in Folly Beach and now operates with a location in downtown Charleston and Summerville, South Carolina.

Taco Boy touts its fresh, scratch-made Mexican-inspired dishes and drinks. The menu features tacos, fajitas, quesadillas, rice and beans, chipotle slaw, Mexican street corn, guacamole and more.

Vegetarian, vegan and gluten-free options will be available.

“All tortillas will be made in-house using heirloom corn and a traditional nixtamalization process,” according to the news release.

The beverage menu features margaritas and Latin-infused craft cocktails.

The restaurant will offer brunch services, too.

The Asheville team will be headed by culinary director Francisco Alvarez. The chef offers his training and experience gained at Las Vegas restaurants and through his Mexican family and heritage.

Maty Hollingsworth will be the beverage director, described as a long-time Ashevillian and restaurant industry veteran who’s managed beverage programs at many local restaurants including Jargon and Limones.

View Taco Boy’s menu at tacoboy.net.

Tiana Kennell is the food and dining reporter for the Asheville Citizen Times, part of the USA Today Network. Email her at tkennell@citizentimes.com or follow her on Twitter/Instagram @PrincessOfPage. Please help support this type of journalism with a subscription to the Citizen Times.

Lifeguards, doctors suggest being on alert for jellyfish in the Grand Strand

SURFSIDE BEACH, S.C. (WMBF) - For the past week, some lifeguards across the Grand Strand have already seen a large number of people being stung by jellyfish.“We’ve been experiencing a high number of roughly 20 to 30 per lifeguard,” said Lane Cox a supervisor for Beach Services in Surfside BeachAs a result, purple flags now fly on some area beaches as a warning for people to be aware that there is a marine hazard in the ocean. Most of the time, it is because of the amount of jellyfish in the area.Experts...

SURFSIDE BEACH, S.C. (WMBF) - For the past week, some lifeguards across the Grand Strand have already seen a large number of people being stung by jellyfish.

“We’ve been experiencing a high number of roughly 20 to 30 per lifeguard,” said Lane Cox a supervisor for Beach Services in Surfside Beach

As a result, purple flags now fly on some area beaches as a warning for people to be aware that there is a marine hazard in the ocean. Most of the time, it is because of the amount of jellyfish in the area.

Experts say August is usually the peak for jellyfish like the East Coast Box Jellyfish and Atlantic Sea Nettles to migrate from the Gulf of Mexico to the East Coast.

Cox recommends tourists and residents take precautions when going to the ocean.

“We usually have a bad week or two every single year down here. We advise you to swim with caution know that they are out there and that you eventually might get stung if you get in the water,” he said.

If there aren’t any lifeguards nearby, you can actually take care of your stung yourself. There are a few steps you need to follow when being stung by a jellyfish:

“You can seek physician and emergency attention if it’s large, is extremely painful, or if it’s a child getting stung. That venom could make a child feel ill. There are rarely serious enough to threaten life unless you have an allergic reaction to jellyfish,” said Dr. Gerald Harmon of Tidelands Health.

Harmon said he has treated severe cases of jellyfish stings in the past - and although he hasn’t seen many of those so far this year, he says they’re actually more common than shark bites.

He also said jellyfish tentacles are powerful enough to sting you even when the animal is dead.

“Is not just in the water. If one of those jellyfish washes out at the beach and you grab it and touch the tentacles, they can still sting you,” said Harmon.

The number of jellyfish migrating is expected to come down in the next few weeks.

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