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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 Hanahan 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 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:
- 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 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 Hanahan
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:
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 Hanahan 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 Hanahan, 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 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 Hanahan. 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 Hanahan, SC
Hanahan fitness center seeking help from the community
Raymond Owenshttps://www.counton2.com/news/local-news/berkeley-county-news/hanahan-fitness-center-seeking-help-from-the-community/
HANAHAN, S.C. (WCBD) – The owner of a fitness training company in Hanahan that has been working with kids and adults for a few years is calling on the community to help keep his business open.Kendrick Robinson opened The Factory Sports and Fitness Training in Hanahan a year before the coronavirus pandemic hit the United States to help train people in basketball, football, and other athletics.“It was something that God brought to...
HANAHAN, S.C. (WCBD) – The owner of a fitness training company in Hanahan that has been working with kids and adults for a few years is calling on the community to help keep his business open.
Kendrick Robinson opened The Factory Sports and Fitness Training in Hanahan a year before the coronavirus pandemic hit the United States to help train people in basketball, football, and other athletics.
“It was something that God brought to me. He gave me a vision,” said Robinson. “I wanted to have a facility where the youth in our community could (better) selves and have a safe place where they can come and train.”
“He always helps out. He helps out with kids like schoolwork and stuff like that before training,” said Christian Gray, who has been coming to the program for four years.
Robinson said working with the youth is his passion. But things have been tough financially, he said.
“Our rates are really not expensive, but if they’re not able to do training, we try to do charitable giving would give out free sessions,” explained Robinson.
He went on to say, “We kind of gotten [sic] to a rough patch since Covid. We had a business plan, and it kind of altered all of that, and we’ve been playing catch-up ever since.”
Robinson decided Sunday to let the public know they might have to close next month and started a GoFundMe in hopes of finding some assistance.
“Not something I wanted to go public with, but closed mouths don’t get fed. God revealed that to me, he told me to make sure I keep this place open and get the help that we needed from the community. The response has been, man amazing.”
More than $2,500 has already come in from the community, of the $10,000 they need.
“It’s been amazing to get all the feedback and support from the supporters we’ve had over the years and knowing that we’re doing the right thing just by being transparent with the community and letting them know that it hasn’t always been easy.”
If you would like to help, please click here.
Reelected Hanahan mayor talks past, present and future of city
Emily Johnsonhttps://www.live5news.com/2022/11/11/reelected-hanahan-mayor-talks-past-present-future-city/
After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.HANAHAN, S.C. (WCSC) - After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.In this year’s election, no opponents ran against Rainwater, which she says was a relief to not sit on the edge of her seat and worry about winning or not.“I feel like the residents of the city have seen the work I’ve put in, a...
After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.
HANAHAN, S.C. (WCSC) - After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.
In this year’s election, no opponents ran against Rainwater, which she says was a relief to not sit on the edge of her seat and worry about winning or not.
“I feel like the residents of the city have seen the work I’ve put in, and they want that to keep going,” she says. “They want the momentum to continue, and no one ran against me. I’m able to really continue keeping that momentum going.”
The Hanahan City Council and school board members were all reelected on Tuesday, and the mayor says will continue as a strong partnership because of the established relationships.
Similar to the rest of the Lowcountry, Hanahan continues to grow. Rainwater focused on building economic development and recreation in the area by adding two new parks over the last four years.
“Really bringing this quality of life to the residents is what we’ve been doing over the past four years and will continue to do over the next four,” she says.
As for the upcoming four years, the mayor really wants to focus on flooding concerns, more economic growth and additional housing for the community. She also mentioned that the Lowcountry Rapid Transit plans include four stops that will positively impact Hanahan.
“We are really looking at our specifically downtown area and how can we allow for housing that will work for everyone,” Rainwater says. “We have changed the ordinances over the past few years that will allow for us to build up a little higher and bring that in.”
The mayor also expressed that Hanahan has a small-town feel despite being the seventeenth-largest city in South Carolina.
“I like to say I bleed blue and orange,” she says. “Hanahan is the heart of the Lowcountry. When you look at its location, you’ve got downtown Charleston, Summerville, Mount Pleasant, West Ashley, and right in the heart, you’ll find Hanahan. The truth is, it’s not just because of its location; the people in Hanahan are so special.”
Copyright 2022 WCSC. All rights reserved.
Hanahan Middle School student wins Lowcountry regional spelling bee, Spellbound!
Zharia Jeffrieshttps://www.postandcourier.com/news/hanahan-middle-school-student-wins-lowcountry-regional-spelling-bee-spellbound/article_08379b2e-bdef-11ed-b0d5-87b35eccea31.html
Last year, Siqi Fang, an eighth grader at Hanahan Middle School in Berkeley County, didn’t make it to the Spellbound! Bee, the Lowcountry’s only regional bee officially sanctioned by the Scripps National Spelling Bee.She was knocked out of the competition at the district level.This year, standing under the beaming spotlights at Charleston Southern University’s Lightsey Chapel, her left palm turned upwards to mimic her college ruled paper and her right hand holding an imaginary pen, Fang spelled the winning wor...
Last year, Siqi Fang, an eighth grader at Hanahan Middle School in Berkeley County, didn’t make it to the Spellbound! Bee, the Lowcountry’s only regional bee officially sanctioned by the Scripps National Spelling Bee.
She was knocked out of the competition at the district level.
This year, standing under the beaming spotlights at Charleston Southern University’s Lightsey Chapel, her left palm turned upwards to mimic her college ruled paper and her right hand holding an imaginary pen, Fang spelled the winning word.
“F-E-R-R-U-G-I-N-O-U-S,” she said, meaning of, relating to or containing iron.
All eyes glued to center stage, cheers and applause erupted from the crowd.
The contest had gone down from 30 students to two: the other was Zachary Teachman, a student at Thomas C. Carlo Middle School in Charleston County.
Teachman was given the word “epenthesis,” which is defined as the insertion of a sound or letter in the body of a word.
The bell, notorious for sending rows of competitors to sit on the other side of the stage to watch the remaining spellers, followed, echoing throughout the chapel.
Suddenly, the bee sting on Fang’s right finger that had pestered her the past few days felt obsolete.
“I was kind of nervous,” Fang told The Post and Courier after posing for myriad photos with her winning trophy. “My competitor was also really good.”
Fang would have to spell the word correctly along with one final word to win.
“This year she seemed to be more comfortable on stage,” Fang’s mother, Cui He, told The Post and Courier.
“I’m maturing,” Fang interjected proudly.
Students go through an intense series of elimination rounds to compete in Spellbound! They have to win their school and district spelling bees to qualify. More than 40,000 students compete for the finals.
The contest this year marked the bee’s 31st anniversary and represented students from Charleston, Berkeley, Colleton, Dorchester 2 and 4 school districts, the Catholic Diocese of Charleston, and S.C. Independent School Association.
The Post and Courier is a sponsor of Spellbound!
The winner advances to the virtual preliminary rounds of the Scripps National Spelling Bee. Those who make it through the virtual preliminaries go to National Harbor, Md., to compete for the champion title.
Milan Turner named head football coach at Hanahan High School
Frank Sulkowskihttps://www.wjcl.com/article/milan-turner-named-head-football-coach-at-hanahan-high-school/42652863
HANAHAN, S.C. —Milan Turner has Carolina on his mind.Turner, who was head coach at three different Georgia high schools, has been named the new head coach at Hanahan High School in South Carolina.Turner had successful head coaching stints at Emanuel County Institute (2005-2010), Thomson (2011-2013) and Veterans (2018-2021). He served as the director of high school relations for the Georgia Southern football program in 2022.This content is imported from Twitter. You may be able to find the sa...
HANAHAN, S.C. —
Milan Turner has Carolina on his mind.
Turner, who was head coach at three different Georgia high schools, has been named the new head coach at Hanahan High School in South Carolina.
Turner had successful head coaching stints at Emanuel County Institute (2005-2010), Thomson (2011-2013) and Veterans (2018-2021). He served as the director of high school relations for the Georgia Southern football program in 2022.
This content is imported from Twitter. You may be able to find the same content in another format, or you may be able to find more information, at their web site.
Thank you to Coach Helton, Staff, Players, Administration and Eagle Nation for an exciting journey this year. Thank you for letting me be a small part of something Special! The future is bright at Georgia Southern, You ain’t seen nothin’ yet! #GATA #HailSouthern pic.twitter.com/yaTU5ZqoUv
— Milan Turner (@MilanTurner_GS) January 25, 2023
Turner compiled a 112-43 record over 13 seasons as a head coach in the Peach State. He would lead Emanuel County Institute to 65 wins and a state championship in 2007. The Bulldogs would finish GHSA Class A runner-up in 2008.
“We are elated to welcome Coach Turner to the Hawk family,” Hanahan High Principal Tom Gallus said. “Our community is very fortunate to have a coach of this caliber to lead and develop our student-athletes on and off the field. Coach Turner is a proven educator and leader. He knows what it takes to build a successful high school football program and to ensure that each student is prepared for their next steps after high school. I look forward to serving alongside Coach Turner and seeing our Hawks shine under the Friday night lights.”
Turner takes over a Hanahan program that went 6-4 in 2022. He replaces interim coach Steve Blanchard, who took over after Art Craig stepped away and eventually retired.
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Turner has been an educator since 1994. Prior to becoming a head coach, he spent time as an assistant at several Georgia schools. Turner has coached in six GHSA state championship games during his time at five different Georgia high schools.
He has been named the North/South All-Star Head Coach, Region Coach of the Year, Atlanta Touchdown Club Class A Coach of the Year, GACA Class A State Coach of the Year, and was selected to coach in the 2008 Under Armour national all-star game.
This content is imported from Twitter. You may be able to find the same content in another format, or you may be able to find more information, at their web site.
Can’t thank you enough for what you mean to our football family coach! You were meant to be apart of kids lives! We will all be cheering for you in South Carolina! https://t.co/ttjDWBHhqO
— Clay Helton (@GSCoachHelton) January 25, 2023
Veteran Georgia high school coach becomes new head football coach at Hanahan High School
Matthew Sockolhttps://abcnews4.com/news/local/veteran-georgia-high-school-coach-becomes-new-head-football-coach-at-hanahan-high-school
HANAHAN, S.C. (WCIV) — Hanahan High School has named Milan Turner as the next varsity football coach.Turner was announced as the high school's head football coach in a press release on Jan. 24.Read more: 4 months after departure, BCSD says former Hanahan HS head coach A...
HANAHAN, S.C. (WCIV) — Hanahan High School has named Milan Turner as the next varsity football coach.
Turner was announced as the high school's head football coach in a press release on Jan. 24.
Read more: 4 months after departure, BCSD says former Hanahan HS head coach Art Craig retired
“We are elated to welcome Coach Turner to the Hawk family,” Hanahan Principal Tom Gallus said in a statement. “Our community is very fortunate to have a coach of this caliber to lead and develop our student-athletes on and off the field. Coach Turner is a proven educator and leader. He knows what it takes to build a successful high school football program and to ensure that each student is prepared for their next steps after high school. I look forward to serving alongside Coach Turner and seeing our Hawks shine under the Friday night lights.”
According to the press release, Turner has been an educator since 1994 and has coached in six state championship games during his time at five Georgia high schools. He was most recently serving as the director of high school relations on the football staff for Georgia Southern University.
Read more: Hanahan High School announces interim head football coach in place of Art Craig
"First, I would like to thank Coach Clay Helton and Georgia Southern University for the incredible opportunity I had to serve this year on the football staff," Turner said. "I want to also thank Principal Tom Gallus, Athletic Director Kim Joseph, the search committee, and the Berkeley County Board of Education for this incredible opportunity to be a teacher and head football coach at Hanahan High School. I am extremely excited for the future of our school and athletic program. I cannot wait to get to work with our team and to meet the Hanahan community. Wendi and I feel extremely blessed."
"Thank you to Coach Helton, Staff, Players, Administration and Eagle Nation for an exciting journey this year. Thank you for letting me be a small part of something Special! The future is bright at Georgia Southern, You ain’t seen nothin’ yet! #GATA #HailSouthern," Turner's Twitter post read.
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