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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.
Service Areas
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:
- What kind of care you need, and how often it is needed.
- The type of Medicare coverage you choose.
- Whether there are alternative insurance policies that will help fill gaps in your coverage
- Whether a doctor agrees to charge you the same amount that Medicare will cover for a medical service
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 Goose Creek
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 Goose Creek, 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:
- Preferred Provider Organizations
- Special Needs Plans
- Private Fee-for-Service
- Medicare Medical Savings Account Plans
- Health Maintenance Organizations
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 Goose Creek
ADMA BioCenters Receives FDA Approval for its Fourth Plasma Collection Center Located in Goose Creek, SC
Yahoo! News
FDA approval positions Company to meet or exceed target of ten or more FDA-licensed plasma collection centers by year-end 2023RAMSEY, N.J. and BOCA RATON, Fla. and GOOSE CREEK, S.C., Jan. 18, 2022 (GLOBE NEWSWIRE) -- ADMA Biologics, Inc. (NASDAQ: ADMA) (“ADMA”), an end-to-end commercial biopharmaceutical company dedicated to manufacturing, marketing and developing specialty plasma-derived biologics, today announced that it has received U.S. Food and Drug Administration (“FDA”) approval for its fourth A...
FDA approval positions Company to meet or exceed target of ten or more FDA-licensed plasma collection centers by year-end 2023
RAMSEY, N.J. and BOCA RATON, Fla. and GOOSE CREEK, S.C., Jan. 18, 2022 (GLOBE NEWSWIRE) -- ADMA Biologics, Inc. (NASDAQ: ADMA) (“ADMA”), an end-to-end commercial biopharmaceutical company dedicated to manufacturing, marketing and developing specialty plasma-derived biologics, today announced that it has received U.S. Food and Drug Administration (“FDA”) approval for its fourth ADMA BioCenters plasma collection facility located in Goose Creek, South Carolina. In conjunction, the facility was issued a compliance certification from the International Quality Plasma Program (“IQPP”), confirming the center meets facility and donor criteria for IQPP Certification. This plasma collection facility commenced operations and initiated source plasma collection in the second quarter of 2021. With today’s approval, this facility is now FDA-licensed to collect and introduce into interstate commerce, human source plasma for further manufacturing in the U.S.
“ADMA is off to an excellent start to 2022 across its business segments, and the approval of the Goose Creek plasma collection center represents another regulatory milestone achievement as well as an important step in ADMA’s ambitions to further secure raw material plasma supply,” said Adam Grossman, President and Chief Executive Officer of ADMA.
“ADMA now has four FDA-approved plasma collection centers, two additional centers operational and collecting plasma, and three additional centers in the planning and construction phases. The successful execution by our BioCenters team positions ADMA to meet or exceed the Company’s target of having 10 or more plasma collection centers FDA-licensed by year-end 2023,” said Brian Lenz, Executive Vice President, Chief Financial Officer, and General Manager, ADMA BioCenters.
“ADMA remains on track towards growing its plasma supply, a commitment that is underpinned by the collective benefits of contractually committed third-party supply agreements, yield enhancements being realized from the implementation of the Haemonetics’ NexSys Persona®, and the aggressive BioCenters expansion strategy. With broader industry plasma collection headwinds anticipated to persist in early 2022 due to COVID-19 and other factors, ADMA believes its uniquely strong plasma supply position will support the continued acquisition of new customers in the in the supply-constrained U.S. immunoglobulin market. We thank the FDA for its efforts and expeditious review of the Goose Creek Biologics License Application (“BLA”), which came well in advance of the agency’s targeted approval date,” concluded Mr. Lenz.
Gators’ 2022 football slate presents challenges for defending region champs
Rob Gantt
Goose Creek High School football coach Jason Winstead has assembled a tough schedule for the Gators to navigate in 2022.Five of their six non-region opponents finished at least .500 in the regular season last season and four easily ended up with winning marks. Three of those were among the top teams in the state at year’s end.The Gators kick off the campaign Aug. 19 at home against South Florence (7-4 in 2021).Goose Creek is off on Aug. 26 before hitting the road on Sept. 2 and Sept. 9 at Sumter (10-2) and Beaufort...
Goose Creek High School football coach Jason Winstead has assembled a tough schedule for the Gators to navigate in 2022.
Five of their six non-region opponents finished at least .500 in the regular season last season and four easily ended up with winning marks. Three of those were among the top teams in the state at year’s end.
The Gators kick off the campaign Aug. 19 at home against South Florence (7-4 in 2021).
Goose Creek is off on Aug. 26 before hitting the road on Sept. 2 and Sept. 9 at Sumter (10-2) and Beaufort (12-3). Sumter advanced to the third round of the Class AAAAA playoffs and Beaufort played for the Class AAAA state championship.
The Gators return home to Charles B. Gibson Stadium on Sept. 16 against Blythewood (3-6), which clipped Goose Creek last fall, and also host Lowcountry rival Summerville on Sept. 23 (4-5).
The Gators and Green Wave split a pair of encounters last season, with Goose Creek ousting Summerville in the first round of the Class AAAAA playoffs. The Green Wave won a matchup in the regular season.
Goose Creek’s Region 7-AAAAA title defense cranks up at Berkeley (2-6) on Sept. 30 before the Gators step outside the region for one more game. They travel to North Charleston on Oct. 7 to tangle with Lowcountry power Fort Dorchester (12-1), which played for the Class AAAAA Lower State title last season.
Goose Creek finishes out the regular season with three region clashes. The Gators host Cane Bay (9-3) on Oct. 14 and Wando (2-6) on Oct. 21 before a road game at Stratford (4-5) on Oct. 28.
The Gators finished 7-5 in 2021 and captured their third straight region crown by going 4-0 against region foes.
Winstead’s team can bring back several key contributors on both sides of the ball, including quarterback Drew Moore. He passed for 2,552 yards and 27 touchdowns and completed better than 57 percent (164 of 285) as a junior. He’ll be a three-year starter next fall.
“I’ve already told them the goal is to win the region again,” Winstead said after last season. “I like what we have coming back. I don’t know if we’ll be favored to win the region. It may take us some time on offense but that’s what non-region games are for. It’s kind of like this year for the defense. We got better gradually as the year went on.”
Goose Creek Planning Commission Seeks Input On Red Bank Road Corridor
The Berkeley Observer
GOOSE CREEK, S.C. – The Goose Creek Planning Commission is looking for public input concerning the city’s future redevelopment plans for the Red Bank Road corridor.The corridor includes Red Bank Road from the Highway 52 intersection to past Howe Hall Road.In an interview with ABC News ...
GOOSE CREEK, S.C. – The Goose Creek Planning Commission is looking for public input concerning the city’s future redevelopment plans for the Red Bank Road corridor.
The corridor includes Red Bank Road from the Highway 52 intersection to past Howe Hall Road.
In an interview with ABC News 4, Goose Creek Mayor Greg Habib said Red Bank Road could be transformed into a thriving downtown area.
“We just really feel like there is a great opportunity for redevelopment there, to create an area whereby folks in our area will have a neat place to go,” Habib told the TV station.
As part of the redevelopment plan, city officials said they hope to beautify the area and help to alleviate some traffic woes.
Residents can offer their feedback by taking the survey at this link: https://forms.gle/ScqkCjddRBbKi14W6.
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Cane Bay basketball teams continue season of firsts
Rob Gantt
A season of firsts continued for Cane Bay High School’s basketball teams on Jan. 18.The Cobras swept visiting Goose Creek on the hardwood for the first time ever in a pair of Region 7-AAAAA matchups. Cane Bay’s girls edged the Gators, 41-37, while the boys squad won, 54-45.The Cobras girls (15-3, 3-0 region) won their seventh straight game.“They’ve set the (school) record for most points in a game,” said Cane Bay girls coach Ira Owens, whose team is ranked seventh in Class AAAAA by the S.C. ...
A season of firsts continued for Cane Bay High School’s basketball teams on Jan. 18.
The Cobras swept visiting Goose Creek on the hardwood for the first time ever in a pair of Region 7-AAAAA matchups. Cane Bay’s girls edged the Gators, 41-37, while the boys squad won, 54-45.
The Cobras girls (15-3, 3-0 region) won their seventh straight game.
“They’ve set the (school) record for most points in a game,” said Cane Bay girls coach Ira Owens, whose team is ranked seventh in Class AAAAA by the S.C. Basketball Coaches Association. “They’ve set the record for most wins in a season. Now they have the record for most wins in a row. Every time they say something about it, they’re like ‘that’s us.’ They’re taking pride in knowing the next thing they do is going to be the best at something.”
Cane Bay High School opened in 2008 and neither basketball team had ever been able to best the Gators. Alaina Nettles scored a team-high 16 points against the Gators while Lauren Thomas chipped in nine points. Tatum Carr added eight points.
Samiya Grant paced the Gators with 11 points.
“They’ve done an amazing job on defense all year,” Owens said. “Defensively, this is the best team I’ve ever had. That transitions to the offensive end of the floor. We’re getting easy baskets here and there.”
Cane Bay travels to Berkeley to finish the first rotation through region play on Jan. 25 and heads to Wando on Jan. 28.
A return trip to Stratford is Feb 1. Cane Bay’s girls defeated the short-handed Knights, 52-30, on Jan. 14 in a battle of Top 10 teams. Stratford, then ranked fifth in Class AAAAA, was without its top scorer, Yasmine Cook. The Knights are now No. 8 in Class AAAAA.
“When we see them again it’s going to be a very different dynamic,” Owens said. “Her being back will alter the matchups. We’re going to have to play better.”
The Cane Bay boys improved to 14-6 overall and 2-1 in the region with the nine-point win over the Gators. Robert McLeod powered the Cobras with 17 points while Christian Smith and Jabarie Green contributed nine and seven points, respectively.
Elijah Dates led the Gators with 16 points and Shane Potts added 11 points.
The Cobras boys also set a new top mark for wins in a season with their victory against Stratford four days earlier.
On Jan. 20, Cane Bay swept Stall in a pair of non-region games in North Charleston.
Stratford 58,
Wando 37
Yasmine Cook poured in a game-high 24 points and Ciera Mustapher added 17 points as Stratford’s girls returned to the win column with a 21-point victory against visiting Wando on Jan. 18. Kaleiya Brown chipped in seven points for the Knights, who led 29-25 going into the final quarter.
Stratford (13-4, 1-1 region) outscored Wando 29-12 over the final eight minutes to pull away.
The Warriors won the boys game, 52-43. It was Stratford’s sixth loss by single digits this season. The Knights fell to 2-14 overall and 0-2 in the region.
Academic Magnet 46,
Hanahan 45
Hanahan’s boys basketball team came up just short in a region basketball game on Jan. 18 against visiting Academic Magnet.
Malik Horry led the Hawks with 18 points while Keith Bryant contributed 13 points.
In the girls game, Academic Magnet won, 38-34.
Goose Creek father and daughter asking for help after losing home to fire
Floriana Boardman
GOOSE CREEK, S.C. (WCIV) — John Earnhardt left his home for only 30 minutes on Tuesday.When he returned, he walked upon a tragedy. Everything he and his daughter owned was gone, destro...
GOOSE CREEK, S.C. (WCIV) — John Earnhardt left his home for only 30 minutes on Tuesday.
When he returned, he walked upon a tragedy. Everything he and his daughter owned was gone, destroyed by a fire.
“I am praying 100 times a day looking for answers. I have gone through floods and hurricanes in the 23 years, but nothing as devastating as this where I lose everything, and I lose my pets. It is just really hard right now,” said Earnhardt.
Earnhardt is the caretaker of his 44 year old daughter Kristene, who has special needs.
Helping her cope with the fire, the inability to go home and the loss of their two cats has been a challenge unlike any other.
“I start trying to explain to her, and then I break down and start crying. I am trying to be strong for both of us, but I do not know how to do it," says Earnhardt.
Kristene has had difficulties understanding exactly what has happened to her home.
“(It's) very hard because she is used to going into her room, watching her own TV shows, playing her video games on her TV and all that is gone now. Everything has been taken away from her," says Earnhardt.
John has been dealing with loss all month long. On December 1, he lost his mother.
“I am very depressed. Especially here at Christmas time. I have to deal with my daughter asking me questions and I do not know how to answer her. I do not know where to turn to. I need some help right now,” says Earnhardt.
The cause of the fire is still unknown. He says it may be six to seven months before he is able to go back into his home again. As of right now, he and Kristene are staying with some friends until they can get back onto their feet.
If you would like to support John and Kristene you can do so by going to GoFundMe.
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