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.
Guiding You Through The Confusion of Medicare!Request a Consultation
What is Medicare?
If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.
Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.
There are four parts of Medicare:
The amount of money you pay for your health care depends on several factors, including:
At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.
Senior Medicare Supplement Plan Insurance in 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:
Important Information About Senior Supplement Plan Insurance
To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
- To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
- Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
- If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
- If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
- Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
- You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
- In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.
Senior Medicare Advantage Plan Insurance in 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 Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.
How Medicare Advantage Plans Work
Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).
Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.
When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.
Medicare Advantage Plan Insurance Rules
Medicare works by paying a set amount of money to the companies that offer senior Medicare Advantage Plan insurance in 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
Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.
Paying for Your Senior Medicare Advantage Plan Insurance
How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.
We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.
The Senior Medicare Insurance Services Commitment
Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:
- Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.
- Listening to your specific needs.
- Responding to all inquiries and questions promptly and with a friendly attitude.
- Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.
Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.
Latest News in Folly Beach, SC
Spring Break in South Carolina: Folly Beach & Charleston
Like most people, when I go on vacation with my family, I like to take a break from work. Hence, why there aren’t in-depth posts here on the blog about most of our travels. When we’re away, I don’t want the pressure of recording all the details or feeling like I need to check out certain things to report back; on vacation, I generally like to go with the flow and relax. I’ve written about some of our shorter closer-to-home tr...
Like most people, when I go on vacation with my family, I like to take a break from work. Hence, why there aren’t in-depth posts here on the blog about most of our travels. When we’re away, I don’t want the pressure of recording all the details or feeling like I need to check out certain things to report back; on vacation, I generally like to go with the flow and relax. I’ve written about some of our shorter closer-to-home trips, but the bigger ones I usually just share through Instagram posts (if interested, check out Idaho, Asheville, Mexico, Croatia, Barcelona, Maine, Vermont, California, Nicaragua).
This is my rambling way of explaining why this post about our Spring Break trip to South Carolina — specifically Folly Beach and Charleston — is mostly scenes and quick tips, less of a thorough guide. But sometimes, that’s all you need — inspo for a destination, a starting point for planning, and a few ideas for activities.
So, the quick gist of our trip: We spent three nights in Folly Beach, three nights in Charleston (and one in NC on the way down to break up the eight-hour drive). At the last minute, my friend Margaret and her family decided to meet us there, so we spent a lot of time with them (though stayed in separate places since we’d already booked when they decided to join). Our crews always have a great time together and similar traveling sensibilities (very important when traveling with others). She also posted about the trip in her Designer’s Guide to Charleston SC (she’s an architecture and interior design extraordinaire), which includes details that this post doesn’t, so be sure to check it out for even more travel inspiration!
This actually wasn’t our first Spring Break getaway to the area, though last time we stayed in Charleston and Isle of Palms. During that trip, we took a drive south to Folly and decided that next time we would stay there. Both are great in their own ways, but Folly has a more laid-back surf vibe and more of a town, plus there is excellent fossil hunting! We found a rental through Airbnb that was perfect — just the right size for our family, an easy walk to the beach, and surrounded by leafy trees.
Part of the reason we went to SC for Spring Break was better chances for warmer temps than more northern beaches, and that was a good call, because the weather was fantastic. Sunny and high 70s made for very pleasant days on the beach, and the water wasn’t too cold for swimming.
We ate most of our meals out, but had breakfast and snacks at the house. There are a bunch of good restaurants and places to get a bite in town, most of them casual and fun, our favorite easily Chico Feo, with delicious tacos, sandwiches, bowls, and drinks. For snacks and stuff at the house, Bert’s Market had everything we needed and then some. It’s not a huge grocery store, but they also have take out sandwiches and other freshly made fare, plus it’s open 24 hours. And non-food related, but I must mention the great massage I had at Folly Beach Medispa.
Before we headed to Charleston after we left our digs in Folly, we went to see Morris Island Lighthouse. You can’t actually go in or even get up close to it, but we walked to a small beach to get a view. However, the path leading to the beach may have been the highlight, the stretch of asphalt covered with colorful graffiti. The walk should have been quick, but we kept stopping to check out the art beneath our feet.
Okay, I’ll be straight up: This part of our trip was really a lot of eating and drinking and walking around. We’d been to the city before and had done a lot of touristy stuff — Fort Sumter and tours of historic places, etc. — and we didn’t feel the need to repeat them. So, besides the guys taking a water taxi to the Patriots Point Naval and Maritime Museum (while Margaret, Sasha, and I shopped on King Street), we really mostly ate, drank, strolled, and just enjoyed hanging out with everyone. Here’s a recap of that in pictures.
Have you been to Folly Beach or Charleston? What are some of your favorite things to do and places to go there?
Folly Beach considering rezoning changes to prevent overdevelopment in the area
FOLLY BEACH, S.C. (WCIV) — It’s no secret that Folly Beach is quickly becoming one of the most popular places to move t...
FOLLY BEACH, S.C. (WCIV) — It’s no secret that Folly Beach is quickly becoming one of the most popular places to move to in the Lowcountry. But town officials are worried that overdevelopment will soon take over the identity of the town.
In an effort to stop this overdevelopment, City Council will look Tuesday night to change those zoning requirements to “keep the character” of Center Street, and the surrounding community, intact.
The first set of changes to zoning requirements fall under what city officials call the “Center Street Overlay Zone.”
The changes include having new developments start at ground level instead of elevated, as well as a two-story maximum or 34-foot height cap on new buildings. This requirement includes rooftop bars or seating areas as one of the two levels.
If approved, the rezoning will also prevent any private residential properties from being built on Center Street, something officials say is important to keeping the Center Street area accessible for residents.
“We want to make sure that whatever goes up on those lines, here on our Main Street, kind of fit the character of what is already here. We've seen in the commercial district in general, we've seen some pretty massive, relatively speaking, massive buildings go up around Center Street and we want to make sure that on Center Street, that scale and massing is kept down to match what's here,” City Administrator Aaron Pope said.
In addition to those restrictions, new developments will be encouraged to put public outdoor seating near the sidewalk on Center Street.
But Center Street isn’t the only area Folly officials are looking to rezone. Another rezoning change involves the surrounding residential area of Center Street and downtown commercial district.
The changes could affect some residents' ability to make improvements to their existing properties.
The biggest change involves how much of the landowners can build out to. The new zoning changes in the area will require all properties to have at least 10 feet of space between their building and the street.
Residents and Business owners in the area expressed concern about their ability to develop their homes in a public hearing last week, but overall, many people say it’s a step that needs to be taken.
“From a residential standpoint, I think it's more pleasing and more pleasant to have more room around the properties, more green space and less of the shoulder or to show or canyon effect of the tall buildings,” Folly Beach resident Joe Vandiver said.
In addition to the land space restrictions, the rezoning changes would restrict multi-family complexes from being built in the downtown area.
Pope cites the building of the big complexes near the post office off of Center Street as a prime example of what could turn into overdevelopment, which could run out local businesses.
“With property values going the way they are, it's only a matter of time before the land becomes valuable enough or the land becomes so valuable that in order to get things out of it, you have to build the biggest thing you can or another Hurricane Hugo is going to come through and destroy half the buildings in the commercial district. And when people rebuild, they max out the zoning. We want to make sure the max zoning results in smaller more compatible buildings,” Pope said.
The zoning changes will take place in the surrounding area of center street down to around Bert's Market.
If approved, officials did say any property owners who have concerns of these changes can request a hearing with the board of zoning appeals as some exceptions can be made.
City Council will have the first reading of these rezoning changes at the meeting at 6:30 p.m.
A final decision will not be voted on until the second reading in June.
Worried about getting caught in a rip current this summer? Experts share lifesaving tips
FOLLY BEACH, S.C. (WCIV) — This weekend saw two separate incidents where first responders from several agencies were called to Lowcount...
FOLLY BEACH, S.C. (WCIV) — This weekend saw two separate incidents where first responders from several agencies were called to Lowcountry beaches to help distressed swimmers.
The first happened on Folly Beach following calls that a white male in his 30s was struggling to stay afloat near the pier around 3 p.m. Sunday.
“They were watching what they described as a subject’s head bobbing up and down and then going down lower and then it disappeared under the surface,” said Rocky Burke, Deputy Director of Folly Beach Public Safety.
Crews from Folly Beach Public Safety, South Carolina Department of Natural Resources, the Coast Guard and the City of Charleston searched for roughly three hours before calling off the search just before 6 p.m.
“Right now there are no plans to resume the search until new information, or if new information comes,” Burke said. “If we get a report about a missing subject or something, when they were last going to Folly Beach or swimming in the surf, we get a call. We haven’t received any calls like that.”
As the search on Folly came to a close, another incident was unfolding.
Chief Craig Oliverius of the Isle of Palms Fire Department said Sunday evening, crews found one adult and two juveniles had been rescued before they arrived to the area near 21st Street on the Isle of Palms.
Two were taken to the hospital for further evaluation.
“We had an off-duty NWS employee that was on the beach on Isle of Palms and he saw the distressed swimmers being pulled out to sea which he realized was from a rip current,” said Meteorologist Emily McGraw of the National Weather Service.
McGraw said rip currents can occur on any day, anywhere along the shoreline.
“A rip current is a narrow channel of water that’s moving away from shore so it can extend from the shoreline back past the breaking waves,” McGraw said. “It can take even experienced swimmers out to sea.”
McGraw and her colleagues issue a beach forecast daily during the spring and summer months, alerting beachgoers whenever there is an enhanced risk of rip currents. The forecasts can be found on the NWS Charleston, SC Twitter page.
She said those are days swimmers need to be extra cautious.
But if you find yourself in a caught in a rip current?
“Stay calm and don’t panic,” McGraw said. “You want to float out, let it take you away, and then you can try to wave your hands up in the air to call for help. And then when it’s safe to do so, you can swim parallel to shore.”
McGraw and Burke said there are ways swimmers can stay safe before they even arrive to the beach.
They recommend going to the beach with a friend, never swimming alone, and letting someone know where you plan to be.
10 highest-rated restaurants on Folly Beach
FOLLY BEACH, S.C. (WCBD)- Tired after a long day of sun, surf, and sand? Talk a walk down Center Street and pop into a popular local restaurant for a quick bite and refreshing beverage.We compiled a list of the most popular eateries on Folly Beach. In order to qualify, the restaurant must have at least 50 reviews.Here are the top 10 highest-rated establishments, according to Yelp:Jack of Cups Saloon, which serves mainly Hungarian-Czech-inspired dishes, comes highly recommended by Yelp reviewers. Customers describe the am...
FOLLY BEACH, S.C. (WCBD)- Tired after a long day of sun, surf, and sand? Talk a walk down Center Street and pop into a popular local restaurant for a quick bite and refreshing beverage.
We compiled a list of the most popular eateries on Folly Beach. In order to qualify, the restaurant must have at least 50 reviews.
Here are the top 10 highest-rated establishments, according to Yelp:
Jack of Cups Saloon, which serves mainly Hungarian-Czech-inspired dishes, comes highly recommended by Yelp reviewers. Customers describe the ambiance as “quirky” and “quiet and removed from the Folly craziness/hustle and bustle.”
Popular Dishes: Halupki, Pierogi Lasagna, and Hungarian Lentil Dip Location: 34 Center St. Rating: Five stars out of 404 reviews
Four-legged friends are always welcome at this small, local hot spot on Folly Beach. Because this cafe is so popular, you can expect it to be pretty crowded on the weekends. What could be better than breakfast all day?! “Worth the drive!” as one Yelp reviewer said.
Popular Dishes: Huevos Rancheros, French Toast, Folly BenedictLocation: 106 W Huron St.Rating: Four and a half stars out of 874 reviews
Fair warning: Yelp reviewers say the place can get crowded and it’s “a bit confusing figuring out how to order.” But, if you do figure out how to order you won’t be disappointed as the tacos have been described as “next level.” Plus, it’s open late so consider it a must-stop on the way home from the Folly Beach bars!
Popular Dishes: Chicken Tacos, Mahi Tacos, Bun ChaLocation: 122 E Ashley AveRating: Four and a half stars of out 270 reviews
“Best food and best prices on the island,” wrote one Yelp user. The Drop In is known for its deli favorites and specialty sandwiches which are perfect to pack in your beach bag or scarf down after a long day in the sun.
Popular Items: Little Havana Sandwich, Pasta Salad, the War Pig Location: 32-B Center St. Rating: Four and a half stars out of 73 reviews
While visitors praise the menu variety and “beachy vibes” at Rita’s, what really shines is the staff. One Yelp user said it best: “They made a Painkiller specifically for my grandmother even though it wasn’t on the menu! Now that’s service!”
Popular Items: Fish & Shrimp Tacos, Pulled Pork Sandwich, Grouper SandwichLocation: 2 Center St. Rating: Four stars out of 920 reviews
“Classic American Irish styled pub. They poured the Guinness correctly and the atmosphere is just right,” one Yelp reviewer wrote. Need we say more?
Popular Items: Fish and Chips, Frozen Irish Coffee, Irish Tater Tots Location: 11 Center St. Rating: Four stars out of 216 reviews
Reviewers love Loggerhead’s proximity to the beach and weekday happy hour specials. “What more could one ask for in a beachside restaurant?” one reviewer asked. “If your answer is a friendly staff, live music, and a place that supports local causes, then Loggerhead’s Beach Grill is the joint you’re gonna want to hit up when on Folly Beach!” You can even listen to live music while you stare out over the Atlantic Ocean.
Popular Items: Conch Fritters, Onion Rings, Lowcountry Alfredo Location: 123 W. Ashley AveRating: Four stars out of 363 reviews
Affectionately nicknamed LOLO may not be right on the main strip of Folly Beach, but according to Yelp reviewers, it is a “must stop.” If you’re hoping to avoid the lines on Center St, try LOLO. One Yelp user even said it has “best she-crab soup in all of South Carolina,” but we’ll let you be the judge of that!
Popular Items: She Crab Soup, Shrimp Burger, Fried/Grilled ScallopsLocation: 2293 Folly RoadRating: Four stars out of 87 reviews
Bowen’s Island is a can’t miss spot when visiting Folly Beach. It’s a little off the beaten path (meaning you’ll have to drive down a dirt road to get there), but once you arrive you’ll be met with delicious seafood and spectacular views. You have to order at the counter before sitting, so prepare to wait in long lines. It’s no wonder Yelp users call Bowen’s Island “a truly amazing local dining experience” and “THE REAL THING.”
Popular Items: Fried/Grilled Shrimp Platter, Steamed Oysters, Frogmore Stew Location: 1870 Bowens Island Rd Rating: Four stars out of 562 reviews
Pizza and the beach may not seem like the most classic combination, but Yelp users believe Woody’s is up to the task. The slices are pretty large, so you may be headed home with leftovers. Quick tip: Woody’s only delivers on the island!
Popular Items: the Woody, Homemade. Ranch. Dipping. Sauce.Location: 39 Center St.Rating: Four stars out of 178 reviews
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.
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