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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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

Lowcountry beaches see increase in traffic for Labor Day weekend

CHARLESTON, S.C. (WCIV) — It\'s been a busy beach weekend for the Lowcountry."It\'s obviously been a lot busier. Labor Day weekend and 4th of July weekend the people that live here know it\'s just gonna take twice as long as usual to get around Folly," said Jennifer Wilson, a Lowcountry resident.Our traffic expert, Trooper Bob, broke down the beach traffic numbers for Labor Day.On Isle of Palms from 10 a.m. to 11 a.m. there were over 1,000 cars.On Sullivan\'s Island there were no delays.On F...

CHARLESTON, S.C. (WCIV) — It\'s been a busy beach weekend for the Lowcountry.

"It\'s obviously been a lot busier. Labor Day weekend and 4th of July weekend the people that live here know it\'s just gonna take twice as long as usual to get around Folly," said Jennifer Wilson, a Lowcountry resident.

Our traffic expert, Trooper Bob, broke down the beach traffic numbers for Labor Day.

On Isle of Palms from 10 a.m. to 11 a.m. there were over 1,000 cars.

On Sullivan\'s Island there were no delays.

On Folly Beach there was a 1.8 mile backup around 10 a.m.

We talked to a local woman who was in that traffic on Folly Road.

"Getting on the island it normally takes me 20 minutes tops from West Ashley but this time it took over an hour. It\'s okay though, we just sit in the car, listen to music and deal with it," said Wilson.

Traffic was not just busy on Labor Day, it was busy all weekend.

On Isle of Palms there were almost 1,000 cars all three days, from 10 to 11 in the morning.

On Sullivan\'s Island there were no delays all weekend.

On Folly Beach there were no delays on Friday, but an almost 3-mile backup on Sunday around 11 a.m., then another 2-mile backup at 3 p.m.

Although there was traffic, that did not stop people from going to the beach.

"It\'s actually really nice. The weather has been really good. We have been at the beach and the traffic has been kinda touchy. It\'s like that when you come here. It\'s like the busiest place ever," said Lesley Lewis, a Virginia resident.

"Today is really beautiful. The weather is cooling down. It was really hot a couple weeks ago but now it\'s perfect," said David Tran, a Lowcountry resident.

Labor Day weekend marks the end of summer, but there is still time to soak up the sun a little longer.

"I\'m just trying to get some rays before we get the colder weather. Just gonna enjoy the beach and enjoy the views," said Marcus Washington, a Lowcountry resident.

"You know Labor Day weekend is going to be crazy so just relax and have a good time," said Wilson.

Get ready: Student loan payments come back for real Feb. 1

(NerdWallet) - Federal student loan borrowers anticipating the return of their regular student loan payments Oct. 1 can once again breathe a sigh of relief: The pause will continue through Jan. 31, 2022, the Department of Education announced Friday.The department says the extension &...

(NerdWallet) - Federal student loan borrowers anticipating the return of their regular student loan payments Oct. 1 can once again breathe a sigh of relief: The pause will continue through Jan. 31, 2022, the Department of Education announced Friday.

The department says the extension — the fourth since March 2020 — will be the last. As with previous extensions, this forbearance does not apply to private student loans.

The move means that by Jan. 31, there will have been nearly two years of payment relief for federal student loan borrowers.

The forbearance began as part of the original coronavirus relief bill, known as the CARES Act. Borrowers received it automatically, and the interest rate on their balances was set at 0%. The pause gave student loan debtors time to deal with lost jobs, juggle finances to pay for food and shelter, or build up emergency savings.

In the Education Department’s announcement of this latest extension, Secretary of Education Miguel Cardona said the time for such measures is ending.

“As our nation’s economy continues to recover from a deep hole, this final extension will give students and borrowers the time they need to plan for restart and ensure a smooth pathway back to repayment,” Cardona said in a news release.

Even the additional runway doesn’t mean borrowers — or the servicers that handle student loan payments — will be ready in February 2022, student loan experts say.

“The student loan system is not ready to resume repayment on Oct. 1, and President Biden has made the right decision to postpone repayment,” Persis Yu, director of the National Consumer Law Center’s Student Loan Borrower Assistance Project, said in a news release.

Yu suggested the administration use the pause to consider further relief, such as broad student debt cancellation and adjustments, so that borrowers in default won’t face wage garnishment or seizure of tax credits and Social Security benefits when payments resume.

Scott Buchanan, executive director of the Student Loan Servicing Alliance, the trade association of student loan servicers, sees the extension as a missed opportunity.

“The department still must do the hard work to lay out a plan for resumption — which has yet not occurred,” he said in an email.

Buchanan advocated “a phased-in resumption where those who haven’t been financially impacted resume payment and those who have can continue to suspend payment or use an income-driven plan.”

How should borrowers prepare with six months to go?

Borrowers who think they might have trouble making their payment next year can use this final payment extension as a trial period.

Start making practice payments now by setting aside your regular student loan bill amount. This will get you back in the habit of seeing the payment leave your account. But, more importantly, it will let you know if you are financially capable of making the payments.

If making the practice payments is difficult — or impossible — after two or three months, contact your servicer to discuss your options, like enrolling in an income-driven repayment, or IDR, plan.

Income-driven repayment plans cap payments at a portion of your income and extend the repayment term. If your income is low enough, or if you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income with your servicer if it has changed.

Not all borrowers experienced financial hardship during the economic downturn — and others have been able to bounce back. If you are confident in your ability to make payments next year, you can use this opportunity to make sure your financial goals are in place.

Borrowers interested in lowering their overall debt, decreasing the amount they’ll repay in interest on student loans or paying them off faster should consider making payments during the final stretch of the pause.

Your payments will be applied to any interest accrued first before your principal, but any payment will help you reduce the total amount you’ll pay over the life of the loan. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.

Borrowers with high-interest debt, like credit cards, or long-term saving goals, like a house down payment, can apply would-be student loan payments to those goals, too.

If your situation isn’t so cut and dried — like loans in default or in the Public Service Loan Forgiveness program — the forbearance extension may have special implications for you. Contact your servicer or lender for insight on how to best handle your loans.

More From NerdWallet

Colin Beresford writes for NerdWallet. Email: cberesford@nerdwallet.com.

The article Get Ready: Student Loan Payments Come Back for Real Feb. 1 originally appeared on NerdWallet.

Copyright 2021 NerdWallet via Gray Media Group, Inc. All rights reserved.

Sam Hunt Reminisces About Past Love On Infectious New Single ‘23’

Modern country star Sam Hunt has today (9) released his new song “23.” A warm reflection on a past relationship, the song was written by Hunt with Shane McAnally, Josh Osborne, and Chris LaCorte, who also produced it.The artwork for the song uses an early photo of his wife, Hannah’s, aunt and uncle when they were a young couple. The new release i...

Modern country star Sam Hunt has today (9) released his new song “23.” A warm reflection on a past relationship, the song was written by Hunt with Shane McAnally, Josh Osborne, and Chris LaCorte, who also produced it.

The artwork for the song uses an early photo of his wife, Hannah’s, aunt and uncle when they were a young couple. The new release includes such lyrics as “You’ll always have long blond hair, you’ll always be Memphis queen, you’ll always be my first time in New Orleans/No matter where I go, no matter what I do, I’ll never be 23 with anyone but you.

“You can marry who you want, go back to Tennessee, but you’ll never be 23 with anyone but me/We’ll always have Folly beach, we’ll always have delta nights, we’ll always be in-between real love and real life.” Hunt and his band recently played a stripped-down version of “23” at a session at Ocean Way studio in Nashville.

“23” is Hunt’s first new track since last year’s chart-topping Southside, which topped the country charts and debuted at No.5 on the all-genre Billboard 200. It produced five singles, most of which appeared before the album itself, and included the nine-times-platinum country mega-hit “Body Like A Back Road” and the Top 3 hits “Kinfolks,” “Hard To Forget,” and “Breaking Up Was Easy in the 90’s.”

Hunt is currently on tour in the US, with a show tonight (9) at Seminole Hard Rock Hotel & Casino in Hollywood, FL. He plays the Greenville Country Music Festival in Simpsonville, SC, on Saturday. Hunt is also on the star-packed bill for the two-day iHeartRadio Music Festival 2021 on September 18. That day’s line-up also features J. Cole, Dua Lipa, FINNEAS, Nelly, Conan Gray, 24kGoldn, Olivia Rodrigo, Dababy, Yungblud, Saweetie, Tate McRae, and fellow country stars Russell Dickerson, and Gabby Barrett.

Listen to the best of Sam Hunt on Apple Music and Spotify.

For the latest music news and exclusive features, check out uDiscover Music. uDiscover Music is operated by Universal Music Group (UMG). Some recording artists included in uDiscover Music articles are affiliated with UMG.

Rising house prices causing problems for those looking to buy new house, this is where the most expensive homes in Charleston are located

House prices are on the rise across the country since the start of the pandemic and there are multiple reasons for that trend. South Carolina is also seeing an increase of the prices mostly because of the rising prices of the lumber and workers shortage.Some people don’t always buy houses for living, but they buy them as a long-term investment. According to the latest data, house prices in the United States have increased for 11.6% on average and now the media national price is $281,370.Meanwhile, the median monthly housi...

House prices are on the rise across the country since the start of the pandemic and there are multiple reasons for that trend. South Carolina is also seeing an increase of the prices mostly because of the rising prices of the lumber and workers shortage.

Some people don’t always buy houses for living, but they buy them as a long-term investment. According to the latest data, house prices in the United States have increased for 11.6% on average and now the media national price is $281,370.

Meanwhile, the median monthly housing cost for a home with a mortgage is $1,558 and $490 without a mortgage.

Buying a house is not an easy task. According to experts, buyers should take into consideration multiple factors before they decide to buy a certain house including the status of the housing market when they buy the house, future value, taxes and many more.

Depreciation is one of the main factors that directly affects the decision of buying a new house. On average, the depreciation rate in the country is 3.636% each year, which can be a help come tax season if you use your home for business or rentals but may cost you later in capital gains taxes when you sell.

Stacker compiled a list of cities with the most expensive homes in the Charleston-North Charleston, SC metro area using data from Zillow. Cities are ranked by the Zillow Home Values Index for all homes as of June 2021.

How does your city rank? See the cities with most expensive houses in Charleston-North Charleston, SC metro below:

#10. Charleston, SC ($396,818)

– 1 year price change: +14.2%

– 5 year price change: +33.8%

#9. Wadmalaw Island, SC ($472,152)

– 1 year price change: +9.6%

– 5 year price change: +35.1%

#8. Awendaw, SC ($502,625)

– 1 year price change: +13.0%

– 5 year price change: +31.6%

#7. Meggett, SC ($540,169)

– 1 year price change: +12.5%

– 5 year price change: +32.0%

#6. Mount Pleasant, SC ($563,117)

– 1 year price change: +15.4%

– 5 year price change: +26.7%

#5. Seabrook Island, SC ($594,903)

– 1 year price change: +20.0%

– 5 year price change: +29.2%

#4. Folly Beach, SC ($893,856)

– 1 year price change: +16.7%

– 5 year price change: +38.1%

#3. Isle of Palms, SC ($1,018,470)

– 1 year price change: +17.3%

– 5 year price change: +31.3%

#2. Kiawah Island, SC ($1,170,442)

– 1 year price change: +15.7%

– 5 year price change: +17.4%

#1. Sullivans Island, SC ($2,509,086)

– 1 year price change: +17.4%

– 5 year price change: +48.4%

Warrior Surf Foundation 5th Annual Surfboard Auction & Raffle

100% of all bids and raffle tickets sold will go directly to Warrior Surf Foundation. Charleston nonprofitWarrior Surf Foundation,that works to provide free surf therapy, yoga, wellness classes and community to Veterans struggling with Post Traumatic Stress Disorder and other me...

100% of all bids and raffle tickets sold will go directly to Warrior Surf Foundation.

Charleston nonprofitWarrior Surf Foundation,that works to provide free surf therapy, yoga, wellness classes and community to Veterans struggling with Post Traumatic Stress Disorder and other mental health challenges, is excited to host its5th Annual Surfboard Auction & RaffleatBohemian Bullon August 28 from 6-9 p.m.

From now until the event, surfers can go online and bid on a collection of three autographed boards from music legendJimmy Buffett’sprivate quiver. A variety of other items like a three-night stay atSwell Guatemalaand week vacation on Folly Beach will also be up for auction. Bidding ends on August 28 at 8 p.m.

Guests can also enjoy dinner at Bohemian Bull and two complimentary drink tickets on August 28 for just $35 per person.

The fun doesn\'t stop there though, as five boards will also be raffled off from incredible shapers likeRozbern,Secula Surf,Ocean Surf ShopandShred Season, two surf foil board kits fromLift Foils,a gift set fromApis Mercantile,acork yoga matfromYoloha Yogaand more. Guests can also enjoy dinner at Bohemian Bull and two complimentary drink tickets on August 28 for just $35 per person.

100% of all bids and raffle tickets sold will go directly to Warrior Surf Foundation. By bidding and purchasing tickets, participants will not only help to provide critical services to our nation’s veterans, but they will assist in spreading awareness about the mental health crisis facing so many who have served our country.

To view items, place bids and purchase raffle tickets, please visitwarriorsurf.rallyup.com/boardauction/

Founded on Folly Beach, S.C. in May 2015 by American combat veterans and surfers, Warrior Surf Foundation addresses post-service transition challenges such as post traumatic stress, moral injury, survivor’s guilt and TBI through surf therapy, yoga, wellness sessions and community. The nonprofit organization\'s Surf Therapy Program strives to enhance the psychological and physical well-being of Veterans, active duty service members and their families through the experience of surfing. For more information, visitwarriorsurf.org or follow along onFacebookandInstagram.

100% of all bids and raffle tickets sold will go directly to Warrior Surf Foundation.

Charleston nonprofitWarrior Surf Foundation,that works to provide free surf therapy, yoga, wellness classes and community to Veterans struggling with Post Traumatic Stress Disorder and other mental health challenges, is excited to host its5th Annual Surfboard Auction & RaffleatBohemian Bullon August 28 from 6-9 p.m.

From now until the event, surfers can go online and bid on a collection of three autographed boards from music legendJimmy Buffett’sprivate quiver. A variety of other items like a three-night stay atSwell Guatemalaand week vacation on Folly Beach will also be up for auction. Bidding ends on August 28 at 8 p.m.

Guests can also enjoy dinner at Bohemian Bull and two complimentary drink tickets on August 28 for just $35 per person.

The fun doesn\'t stop there though, as five boards will also be raffled off from incredible shapers likeRozbern,Secula Surf,Ocean Surf ShopandShred Season, two surf foil board kits fromLift Foils,a gift set fromApis Mercantile,acork yoga matfromYoloha Yogaand more. Guests can also enjoy dinner at Bohemian Bull and two complimentary drink tickets on August 28 for just $35 per person.

100% of all bids and raffle tickets sold will go directly to Warrior Surf Foundation. By bidding and purchasing tickets, participants will not only help to provide critical services to our nation’s veterans, but they will assist in spreading awareness about the mental health crisis facing so many who have served our country.

To view items, place bids and purchase raffle tickets, please visitwarriorsurf.rallyup.com/boardauction/

Founded on Folly Beach, S.C. in May 2015 by American combat veterans and surfers, Warrior Surf Foundation addresses post-service transition challenges such as post traumatic stress, moral injury, survivor’s guilt and TBI through surf therapy, yoga, wellness sessions and community. The nonprofit organization\'s Surf Therapy Program strives to enhance the psychological and physical well-being of Veterans, active duty service members and their families through the experience of surfing. For more information, visitwarriorsurf.org or follow along onFacebookandInstagram.

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