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

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Medicare Isle Of Palms, 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 Isle Of Palms, 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 Isle of Palms

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 Isle Of Palms, 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 Isle of Palms 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 Isle of Palms, 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 Isle Of Palms, 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 Isle Of Palms, 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 Isle of Palms. 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 Isle Of Palms, 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 Isle Of Palms, 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 Isle Of Palms, 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 Isle of Palms, SC

CARTA to offer free weekend shuttle to Isle of Palms starting later this month

CHARLESTON, S.C. (WCSC) - The Charleston Area Regional Transportation Authority will resume its Beach Reach Shuttle service later this month.The agency announced Wednesday the free seasonal park-and-ride shuttle that provides a connection between Mount Pleasant and the Isle of Palms, will relaunch on May 28.The service will operate on Saturdays and Sundays through Sept. 5, as well as on Memorial, Independence and Labor Days.“We work hard at CARTA to make sure we’re providing a cost-effective and efficient way...

CHARLESTON, S.C. (WCSC) - The Charleston Area Regional Transportation Authority will resume its Beach Reach Shuttle service later this month.

The agency announced Wednesday the free seasonal park-and-ride shuttle that provides a connection between Mount Pleasant and the Isle of Palms, will relaunch on May 28.

The service will operate on Saturdays and Sundays through Sept. 5, as well as on Memorial, Independence and Labor Days.

“We work hard at CARTA to make sure we’re providing a cost-effective and efficient way of getting people where they need to go – and, in the summer months, that includes the beach,” CARTA Board of Directors Chairman Mike Seekings said. “Thanks to our Isle of Palms, Mount Pleasant and Towne Centre partners, we’re able to once again make that happen, and we look forward to re-introducing our riders to the Beach Reach Shuttle.”

Each Saturday, the shuttle will run every hour from 9:15 a.m. (first departure from Towne Centre) to 5:30 p.m. (final departure from Isle of Palms). On Sundays, in order to improve efficiency and ease necessary transfers, the shuttle will run every hour from 9:40 a.m. to 5:55 p.m.

“The Town of Mount Pleasant is proud to stand alongside CARTA, Isle of Palms and our very own Towne Centre to bring the Beach Reach Shuttle back into service,” Town of Mount Pleasant Mayor Will Haynie said. “I hope folks throughout our community and beyond will join us in taking advantage of this exciting opportunity to make the most of this summer.”

“This has been a team effort in the truest sense of the term, and we’re glad to be working alongside our remarkable partners to increase beach access and share the beauty of the Isle of Palms shoreline this summer,” City of Isle of Palms Mayor Philip Pounds said.

Riders should plan to arrive at least five minutes prior to the scheduled departure time.

Beach Reach riders will be able to board the shuttle at stop No. 715, behind the Belk Men’s store in Mount Pleasant Towne Centre, and disembark at 9th Avenue and Ocean Boulevard, adjacent to the Isle of Palms beach access.

Parking will be available along Market Center Boulevard in Mount Pleasant Towne Centre. Connections to Route 40 Mount Pleasant and Route 42 Wando Circulator will also be available.

CARTA provided the following rules for the shuttle service:

Full route details and bus tracking can be found in the Transit App, which is available for download in the Apple and Google Play stores. Riders can also view traffic conditions and municipal information for all area beaches via the Beach Reach app, which is also available for Apple and Google smartphones.

Copyright 2022 WCSC. All rights reserved.

Where to park for the beach: Isle of Palms

ISLE OF PALMS, S.C. (WCIV) — Learn where you can park during your beach visit to Isle of Palms!Paid ParkingPaid parking on Isle of Palms is enforced between March 1 and Oct. 31 from 8 a.m. until 8 p.m.The City operates two parking lots near Front Beach on Pavilion Drive. The lots are managed by automated parking kiosks. The daily rate is $10 Monday through Friday and $15 on weekends and holidays. After 4 p.m., motorists can pay an hourly rate of $2. Leave your ticket on your vehicle's dash to avoid...

ISLE OF PALMS, S.C. (WCIV) — Learn where you can park during your beach visit to Isle of Palms!

Paid Parking

Paid parking on Isle of Palms is enforced between March 1 and Oct. 31 from 8 a.m. until 8 p.m.

The City operates two parking lots near Front Beach on Pavilion Drive. The lots are managed by automated parking kiosks. The daily rate is $10 Monday through Friday and $15 on weekends and holidays. After 4 p.m., motorists can pay an hourly rate of $2. Leave your ticket on your vehicle's dash to avoid a $50 parking violation.

Visitors can also park at the meters along Ocean Boulevard near Front Beach between 10th and 14th Avenues. Park in any open space and pay at the kiosk closest to you. The hourly rate is $2.50. Be sure to leave your ticket on your vehicle's dash.

Guests can also park at Isle of Palms County Park, where rates will vary based on the time of the year and vehicle.

Free Parking

The City regulates parking along the public rights-of-way between 9 a.m. and 6 p.m. Visitors are allowed to park on any road right-of-way within the Beach Parking District unless a "no parking" sign indicates otherwise. All four wheels of each parked vehicle must be off the road and vehicles cannot block beach access paths.

Vehicles parked on the ocean side of Palm Boulevard between 21st and 40th Avenue must parallel park at least four feet off the pavement. Double parking on the passenger side of a vehicle that is parked parallel is not allowed. For those parking on the land side of the roadway, vehicles must be at an angle in the marked spaces. Motorists must also not block driveways or mailboxes.

There is no permit requirement or parking fee to park along the public rights-of-way in the following locations:

Handicap Parking

Visitors in need of handicap parking can find spaces in the County Park at no charge, the Municipal Parking Lot on Pavilion Drive, on 9th Avenue, at the Front Beach Restrooms, on 21st Avenue and on 42nd Avenue. There is also free handicap parking available in the Municipal Parking Lot behind the Public Safety Building.

The City of Isle of Palms offers free beach wheelchairs on a first-come, first-serve basis. No reservations are taken for the program, and a copy of the user's license and credit card will be made.

To pick up a wheelchair, fill out a rental form and bring it to the second floor of the Public Safety Building, located at 30 J.C. Long Boulevard. Rentals must be returned by 8 p.m. the day of the rental.

Trailer Parking

Trucks or trailers greater than 20 feet cannot be parked along the public rights-of-way for more than one hour or as long as it takes to load or unload materials. There is an exception for the public right-of-way of 41st Avenue between Waterway Boulevard and the terminus of 41st Avenue for vehicles with attached boat trailers and a valid Resident Parking Permit.

For additional parking details, as well as more information for residents, click here.

Escaping the beach: Isle of Palms, Sullivan’s Island work to ease brutal summer traffic

The more popular Charleston’s beaches get, the worse traffic becomes. And there’s not a lot of room to grow.Isle of Palms and Sullivan’s Island, in particular, have little room for traffic control. They each have two ways to get off the island, and one of those ways is to go to the other island. The end of a day at the beach — or the second raindrops start to fall — turns the islands into traffic logjams where it can take ages to escape back to the mainland.While they know their critics want more a...

The more popular Charleston’s beaches get, the worse traffic becomes. And there’s not a lot of room to grow.

Isle of Palms and Sullivan’s Island, in particular, have little room for traffic control. They each have two ways to get off the island, and one of those ways is to go to the other island. The end of a day at the beach — or the second raindrops start to fall — turns the islands into traffic logjams where it can take ages to escape back to the mainland.

While they know their critics want more access to the beaches, the mayors of both towns say they are barely able to manage the current deluge of visitors.

Traffic is “the big nut that we’re all trying to crack, quite honestly,” Isle of Palms Mayor Phillip Pounds said.

To manage those visitors, Sullivan’s Island Mayor Pat O’Neil said he wants to see more support from Charleston County and the state with handling traffic congestion.

“We’re providing beach access in our own way to the greater population of South Carolina one way or another,” he said “We’ve been trying to stress that beach traffic, when you get it right down to it, is the same as after a USC football game or a Clemson football game or a big concert someplace.

“There are protocols for managing those kinds of events. We submit that a busy afternoon at the beach ... is an event. We should treat it as such, but we need help from the county and the state to treat it as such.”

For now, Isle of Palms, Sullivan’s Island and Mount Pleasant are working together to better manage traffic flow on and off the islands. The local municipalities have also partnered with local TV station WCIV ABC News 4 to get traffic information to people.

“We’re working with (WCIV) at their initiation on a communications plan to really try to get the word out so people can get in the habit of, ‘Let’s check the traffic cameras. Let’s check the traffic reports before we start a 40-minute drive to the beach to avoid getting caught in traffic,’” O’Neil said.

The islands are also investing money in:

“We’re trying to enhance people’s visit to our island, knowing it’s going to be crowded and knowing there’s a lot of people that want to come here,” Pounds said.

Beach-goers discuss high temperatures, lifeguard shortages

ISLE OF PALMS, S.C. (WCBD) – Temperatures reached well into the 90s in parts of the Lowcountry Thursday, and many people coped with the heat by heading to the beach.The heat is on here in the Lowcountry.“This is a whole other ballgame here,” Crystal Appleton said. “This is like extreme humidity, on top of heat.”Some people don’t mind the high temperatures.“I like it,” Joshua Sharer said. “I like it better than the cold, that’s for sure. You know, it&rsquo...

ISLE OF PALMS, S.C. (WCBD) – Temperatures reached well into the 90s in parts of the Lowcountry Thursday, and many people coped with the heat by heading to the beach.

The heat is on here in the Lowcountry.

“This is a whole other ballgame here,” Crystal Appleton said. “This is like extreme humidity, on top of heat.”

Some people don’t mind the high temperatures.

“I like it,” Joshua Sharer said. “I like it better than the cold, that’s for sure. You know, it’s lets me have a chance to get out here.”

But others feel like the heat has arrived too soon.

“It’s way too early,” Appleton said. “I mean, we just picked up jogging recently, so we’re trying to have to beat the heat to jog, and I’m having to do it late in the evening, when it’s dark pretty much because it’s been so hot here lately.”

Storm Team 2 chief meteorologist Rob Fowler says it’s slightly early for such high temperatures.

“I think last year,” Fowler said, “we didn’t hit 90s until late May, so we’re running ahead of that pace.”

But Fowler says the heat has been worse in previous years.

“Thank goodness this isn’t 2016 when we hit 90 98 days,” he said. “So, just about one out of every three days that year, was 90 or better.”

As people look for places to cool off this summer, Charleston County Parks is on the lookout for lifeguards to patrol those places. They recently announced operations at some of their waterparks will be impacted by the staffing shortage.

“I know when I was a kid,” Sharer said, “I enjoyed getting out there to those Splash Zone-type places, so I’d be disappointed unable to go to those just because of a shortage on lifeguards.”

People who live around the Lowcountry say the presence of lifeguards near any body of water is always reassuring.

“Lifeguards are usually CPR-trained,” Sharer said. “Good to have there in case of those emergencies, you know, have an extra set of eyes that are always on the lookout and lets you feel more safe.”

Charleston County Parks says they conducted lifeguard training on Thursday, at James Island County Park.

The Best Resorts To Stay In Across South Carolina

When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or sit down to memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each and every one.) The next step is booking a stay, packing your gear, and—finally—setting out on an ad...

When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or sit down to memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each and every one.) The next step is booking a stay, packing your gear, and—finally—setting out on an adventure to a resort that feels like an oasis, whether it's a home away from home or just a break from the day to day. Rent bikes and pedal the sands. Order room service and enjoy the view from your windows. Find the poolside bar and relax awhile. Memories, and a whole lot of fun, await. Want to travel farther afield? Check out some of the best places to stay in every Southern state.

This consistently lauded stay is a waterfront retreat near Charleston. Palmetto trees welcome you to the property, where you'll find wraparound porches, the serenity-inducing Estuary Spa, and a water taxi for ferrying you to downtown adventures. The abundance of patios and porches means that you'll get your fill of harbor breezes (and handcrafted cocktails to enjoy en plein air).

Book a stay at The Inn & Club at Harbour Town, part of The Sea Pines Resort in Hilton Head, for a warm welcome and rooms with a view. The boutique luxury hotel has 60 guest rooms and offers opportunities for rounds of golf, swings on the tennis courts, and relaxation at the pool. You can also book private fishing charters, cruises, and boat tours at the nearby full-service marina.

Find pools galore at this Myrtle Beach resort. Sun, sand, and plenty of bright blue umbrellas and loungers await when you book a beachfront stay at this inviting spot. There are also indoor and outdoor pools, beach access, and opportunities for pampering at Hibiscus Spa. Open your windows to the beach air, enjoy a meal at the resort's restaurants, or stroll outside to the pool deck—there's fun to be had here.

This Lowcountry property is situated along the May River in Bluffton, which means it has instant appeal—and a marina on the waterfront. Located between Hilton Head and the Georgia border, this resort is equal parts relaxation and adventure, as it has fantastic restaurants, a nature preserve, and a Jack Nicklaus Signature Golf Course.

Book a stay at The Omni Hilton Head Oceanfront Resort and it won't be long until you're enjoying sea breezes. Dining, swimming, golfing, lounging on the sands—this resort has something for everyone. In addition to the resort's amenities, you can book packages (like the Family Fun Package with bike and kite rentals) to complement your stay.

Find a barrier island getaway at Kiawah Island Golf Resort—an oasis of sandy beachfronts and championship golf courses near Charleston. There's also decadent dining at the resort's many stellar restaurants, including Jasmine Porch and The Ocean Room. With so much to enjoy, you don't want to miss the opportunity to stay at this luxury property.

Head to Isle of Palms for a stay at Sweetgrass Inn at Wild Dunes Resort, a 1,600-acre property near Charleston that's a destination for golfing (the Links Course has Atlantic views) and enjoying the coastline. With plenty of pools, bike rentals, and opportunities to relax (check out the Spa at Sweetgrass, where you can contact the spa concierge to customize your stay), you'll never want your vacation to end.

While not necessarily classified as a resort, you can find the epitome of South Carolina hospitality at this historic hotel, which is nestled in the resort town of Aiken. In addition to gracious accommodations, it also has fantastic dining offerings for breakfast, lunch, and dinner, and a relaxing spa, plus easy access to the town's shopping, antiquing, arts, equestrian, and cycling opportunities.

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