Senior Medicare Advantage plan insurance in Goose Creek, 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 Goose Creek or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Goose Creek, 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 Goose Creek, 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 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 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 Goose Creek, 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 Goose Creek 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 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:

 Medicare Plans Goose Creek, 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 Goose Creek, 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 Goose Creek. 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, SC

After 28 years and 4 state titles at Goose Creek, basketball coach Tim Baldwin moving on

After 28 years of coaching and teaching at Goose Creek High School, Tim Baldwin is moving on.Baldwin built the Goose Creek girls basketball program into a state powerhouse, winning nearly 450 games and four state championships. His teams played for six state titles and won 14 region championships, which included a string of 17 consecutive 20-win seasons.Baldwin opted to put in his retirement papers earlier this year, deciding that 28 years of teaching special education was enough. Like many before him in various schools around ...

After 28 years of coaching and teaching at Goose Creek High School, Tim Baldwin is moving on.

Baldwin built the Goose Creek girls basketball program into a state powerhouse, winning nearly 450 games and four state championships. His teams played for six state titles and won 14 region championships, which included a string of 17 consecutive 20-win seasons.

Baldwin opted to put in his retirement papers earlier this year, deciding that 28 years of teaching special education was enough. Like many before him in various schools around the area and state, Baldwin was hoping to be rehired on a limited basis as a teacher, which would afford him the opportunity to continue coaching. That did not happen as Goose Creek’s leadership opted to hire Jabari Deas as the new coach last week.

“It’s unfortunate and I am disappointed, but I am moving on,” said Baldwin, who also is a Goose Creek High graduate. “They wanted a change and I’m okay with that. I had a great run. I coached some great players and I was able to coach at a place where we had great support. I had great assistant coaches and together we built something. It came down to the school wanting a full-time teacher to be the head coach.”

While Baldwin harbors no bitterness, he admits he was “more than a little disappointed” with how things ultimately went down. Baldwin was not informed by anyone at the school of their decision to go in another direction. He found out late Friday afternoon from a friend who read about it on social media.

“I’m disappointed that no one told me Friday at school,” Baldwin said. “I never got a chance to bring my team in and tell them. I was there all day and no one said a word. That bothers me. Not being able to tell my team before it was announced doesn’t sit well with me. I thought maybe I had earned that opportunity.”

Baldwin said he has received several calls about coaching possibilities and has a plan in place to continue to coach the sport he loves.

“I will coach again, in some capacity, that’s for sure,” Baldwin said. “I still want to coach and I have a plan moving forward. I’m not looking back. My eyes are on the future.”

In addition to Goose Creek, several other area schools are in the midst of coaching changes in basketball. Wando boys coach Chris Warzynski announced on May 9 that he was stepping down to accept a position at Pendleton High School in the Upstate. Warzynski has been at Wando as an assistant and head coach for the last 15 seasons.

Berkeley and Burke also are looking for head coaches for boys basketball.

Baseball, softball playoffs

The Lower State baseball final four brackets have been set with first-round games on May 12. The brackets consist of four teams in each classification in a double-elimination format. In Class AAAAA, the final four teams in the Lower State are Lexington, Chapin, Summerville and Berkeley. The Class AAAA Lower State bracket includes James Island, Hartsville, Airport and Beaufort.

In Class AAA, Hanahan and Oceanside Collegiate are joined by Brookland-Cayce and Gilbert. Woodland and Philip Simmons are two of the final four in the Class AA bracket, along with Andrew Jackson and Buford.

In softball, district championships will be decided on May 11. Local teams involved in championship games include Cane Bay, Summerville, Wando and Berkeley in Class AAAAA, and Hanahan in Class AAA.

Deputies hope technology will solve 1977 Berkeley County cold case

MONCKS CORNER, S.C. (WCSC) - It has been nearly 45 years since a worker clearing brush in a Goose Creek field discovered the skeletal remains of a woman.For almost 45 years, the bones have remained unidentified. But Berkeley County Sheriff Duane Lewis announced Wednesday that a technological advancement might finally help them identify her and learn how her remains ended up there.It was on Oct. 4, 1977, as work was underway at the site previously known as Tidewater Builders off Highway 52 on what is now Sawgrass Avenue.T...

MONCKS CORNER, S.C. (WCSC) - It has been nearly 45 years since a worker clearing brush in a Goose Creek field discovered the skeletal remains of a woman.

For almost 45 years, the bones have remained unidentified. But Berkeley County Sheriff Duane Lewis announced Wednesday that a technological advancement might finally help them identify her and learn how her remains ended up there.

It was on Oct. 4, 1977, as work was underway at the site previously known as Tidewater Builders off Highway 52 on what is now Sawgrass Avenue.

Then-Berkeley County Coroner George Murray responded to the scene and recovered the remains. He would transfer them to MUSC for analysis.

No one came forward to report someone missing or tried to claim those remains,” Lewis said.

The skeletal remains were believed to be that of a Black woman, ranging in age from 20 to 75 years old and standing between 5-feet, 2-inches and 5-feet, 8-inches tall, according to the National Missing and Unidentified Persons System, a federal clearinghouse and resource center for missing, unidentified and unclaimed person cases.

For more than two decades, the case stalled. On June 8, 2020, the remains were transferred to the Berkeley County Sheriff’s Office where a death investigation was relaunched with two goals in mind: identifying the woman and determining whether a death was involved.

“So you’re thinking back to 1977, a lot of things have changed,” Lewis said.

In what might seem like a script from an episode of true-crime series “The Forensic Files,” the woman’s remains were recently sent to the University of North Texas Center for Human Identification Forensic Anthropology for further analysis.

The new examination updated some details about the woman’s possible age and height, suggesting that she was of medium build, between the ages of 30 and 60, and with a height of between 5-feet, 4-inches and 5-feet, 6-inches.A forensic imaging specialist at the Palm Beach County Sheriff’s Office in Florida was able to produce a facial reconstruction to produce an image that might show how she would have looked at the time she disappeared.

“We are asking the public to please take a look at these photographs of the facial reconstruction to see if you might know who this individual could be,” Lewis said. “We would like to get in contact with the next of kin of this victim so they can have their remains laid to rest, properly.”

From facial features of the skull and signs of poor dental care, forensic anthropologists told investigators the woman may have ancestry ties to another country, such as Haiti, the Dominican Republic, Jamaica or the Bahamas, Lewis said.

Lewis said they have entered what they have into a DNA database called CONUS and have also begun looking at forensic genealogy.

“There’s been some other cases that genealogy, DNA, has solved, some missing persons, and located lost and unknown family members,” Lewis said.

He said they hope the new pieces of information may jog someone’s memory about mentions of someone having disappeared around the time.

“There is someone somewhere who has missed this person and we would like to talk to them. We would like to try to learn more about where they were back in 1977 and how we may help close this case out for somebody that’s this missing someone,” Lewis said. “We don’t know what happened. We don’t know how the remains got there. We just don’t know.”

Anyone with information on the case is asked to call Detective John Plitsch at the Berkeley County Sheriff’s Office at 843-719-4465.

Copyright 2022 WCSC. All rights reserved.

Pair of Iron Horse standouts earn all-state honors

The Philip Simmons High School baseball team’s success on the diamond is reflected in the postseason honors.Two Iron Horse standouts, senior Tripp Williams and junior Grayson Mitchell, were recently named to the state coaches association’s all-state team. It marked the second straight season the Iron Horses had two players earn all-state honors.Williams, a talented catcher for Josh Kubisz’s squad, repeats as an all-state selection. The 6-4, 220-pound senior arguably might be the best male athlete in the school...

The Philip Simmons High School baseball team’s success on the diamond is reflected in the postseason honors.

Two Iron Horse standouts, senior Tripp Williams and junior Grayson Mitchell, were recently named to the state coaches association’s all-state team. It marked the second straight season the Iron Horses had two players earn all-state honors.

Williams, a talented catcher for Josh Kubisz’s squad, repeats as an all-state selection. The 6-4, 220-pound senior arguably might be the best male athlete in the school’s brief history.

Williams also earned all-state as the Iron Horses’ quarterback after leading the Iron Horses to an 11-2 record.

Williams, who will play football at The Citadel in the fall, has collected 30 hits in 82 at-bats this spring for a .366 batting average. He has 10 extra-base hits including eight doubles. He’s collected 25 RBI in 27 games.

Williams also was solid as a catcher with a .955 fielding average. He’s thrown out seven of 16 base runners this spring.

Mitchell leads the Iron Horses in five major offensive categories: batting average, on-base percentage, stolen bases, runs and hits.

Mitchell is batting .459 with a .562 on-base percentage and has 34 hits in 74 at-bats with four extra-base hits. He’s scored 39 runs and has driven in 21 while stealing 12 bases.

Kubisz praised Mitchell’s skills at third base.

“He’s the smoothest third baseman I’ve ever coached or played with,” said Kubisz, who played high school ball at Goose Creek and Penn State Greater Allegheny at the college level.

Philip Simmons, 20-10, travels to Kershaw on Wednesday night to play Andrew Jackson in the Class AA Lower State Championship. The Iron Horses need two victories over Andrew Jackson in the double-elimination series to reach the State Championship Series for the

first time in the school’s brief history.

Bishops, Iron Horses soccer

The Bishop England and Philip Simmons girls’ soccer teams had successful seasons as both teams reached the Lower State Championship in their respective classes.

Bishop England reached the Class AAA Lower State Championship, but dropped a 2-0 decision to Oceanside Collegiate Academy.

The Bishops started the 2022 season slowly under new coach Netha Kreamer, but finished with a 12-6 record, including 7-3 in Region 8-AAA play.

The Bishops were 2-1 against OCA in the regular season, winning two of the matches on penalty-kick shootouts.

Meanwhile, Philip Simmons reached the Class AA state semifinals, but dropped a 3-0 decision to Christ Church. The Iron Horse girls finished with an 11-7-1 record.

Goose Creek’s Johnson, Simmons sign with S.C. State

Goose Creek High School’s football team has captured three straight region championships and reeled in as many player of the year honors from the offensive side of the ball in the process.It’s easy to overlook the guys in the trenches who help make those accomplishments possible. Gators senior lineman Jayden Johnson was hard to miss, though. Johnson moved defenders around quite easily at times, opening holes aplenty to run through and giving quarterbacks time to throw.“Jayden is a good guy,” Gators coach...

Goose Creek High School’s football team has captured three straight region championships and reeled in as many player of the year honors from the offensive side of the ball in the process.

It’s easy to overlook the guys in the trenches who help make those accomplishments possible. Gators senior lineman Jayden Johnson was hard to miss, though. Johnson moved defenders around quite easily at times, opening holes aplenty to run through and giving quarterbacks time to throw.

“Jayden is a good guy,” Gators coach Jason Winstead said. “He’s not a problem. He doesn’t get into trouble and causes no issues. He’s had a great career, and he’s a captain.”

For his efforts in the classroom and on the field of play, Johnson earned a scholarship opportunity to play football at South Carolina State in Orangeburg.

Johnson (6-4, 305) started four seasons up front for the Gators, garnered three all-region nods and two all-state selections. He was chosen to the South Carolina Shrine Bowl team and ultimately ended up playing in the Touchstone Energy Cooperatives Bowl in Myrtle Beach on Dec. 11. The Shrine Bowl was canceled because of COVID-19 concerns for the second year in a row.

Johnson’s South squad won the all-star game for the third time in a row.

“In four years, Jayden blocked for over 15,000 yards of offense,” Winstead said. “That’s a lot. You don’t find many guys who start all four years in 5A football.”

Equally as impressive was a standout performance in the classroom.

“That 3.4 grade-point average is what got him this opportunity,” Winstead said. “If he didn’t have the grades, none of this would be happening. First question all these college coaches want to ask is how are his grades. If they can’t get into the school, they’re not going to stay a long time. It’s going to be a short conversation.”

With Johnson anchoring the front, future S.C. State teammate Demetri Simmons earned back-to-back region player of the year honors.

Simmons, a running back who also signed with the Bulldogs on Dec. 15, touched it 566 times in three seasons on the varsity level and totaled 4,138 yards and 44 touchdowns. He was named all-state as a senior and also a team captain.

“He really needs no introduction,” Winstead said of Simmons. “He’s an outstanding young man.”

Simmons was selected to the Touchstone Energy Cooperatives Bowl but missed the game with an injury.

City of Goose Creek announces partnership with Lowcountry Local First

GOOSE CREEK — Aspiring business owners in the city are expected to receive more tools in the coming year to move their ideas forward.The city of Goose Creek has finalized a two-year partnership with Lowcountry Local First, which supports the economic development of local businesses.With the partnership will come a series of courses, workshops and resources centered around business management and planning. The goal is to create a pool of resources for local business owners in the Goose Creek area.“We think thi...

GOOSE CREEK — Aspiring business owners in the city are expected to receive more tools in the coming year to move their ideas forward.

The city of Goose Creek has finalized a two-year partnership with Lowcountry Local First, which supports the economic development of local businesses.

With the partnership will come a series of courses, workshops and resources centered around business management and planning. The goal is to create a pool of resources for local business owners in the Goose Creek area.

“We think this is an excellent opportunity for folks,” said Matt Brady, the city’s economic development director.

In the coming year, the city and Lowcountry Local First will launch two training programs — one in English and one in Spanish.

There, attendees will receive hands-on training on how to take their existing businesses or ideas for a business to the next level. A minimum of 70 percent of the participants will be low-income community members.

The reason for offering Spanish courses and prioritizing low-income residents is to make sure that everyone gets help. They are also demographics in the most need of resources and advice, Brady said.

Brady gave an example of a local artisan. That person could have the right idea and create an amazing product to be sold. But they’ve likely never thought about something like navigating a commercial lease.

“That’s a topic we could address,” he said.

The same could go for things like marketing or attaining a loan.

Lowcountry Local First will also develop four workshops through its Good Business Workshop Series. Those courses will be for local business owners and is expected to help them connect with experts, the city and resources in general to help with their business development.

Other programs in the works with the partnership will include a community storefront challenge where the winner will be given a one-year subsidized lease rate through a property owner working with the city.

They will also be working with business owners in developing their own buy local campaigns.

In a news release, Jacquie Berger, the executive director of Lowcountry Local First, said they were excited about launching the projects with the city.

“This work will build community wealth and enhance the quality of life for Goose Creek residents now and in the years to come,” she said.

Over the years Berkeley County has been one of the fastest growing counties in South Carolina. Goose Creek is its largest city.

With all of the growth, Goose Creek staff members said the purpose of putting so much attention on local businesses is to help maintain the city’s unique charm.

The city is expected to push the new resources throughout the month of January. Those interested are advised to be on the look out for additional information at businessinthecreek.com as well as the city’s social media accounts.

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