Senior Medicare Advantage plan insurance in Johns Island, 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 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.

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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:

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:

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 Johns Island

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 Johns Island, SC

A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:

In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior 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 Johns Island

Tigers Place Sixth at Season-Opening Hoosier Collegiate Invitational

BLOOMINGTON, Ind. – The University of Memphis men\'s golf team concluded play the 2021-22 season-opening Hoosier Collegiate Invitational at the Pfau Course in Bloomington, Ind. on Monday. The Tigers finished sixth out of 15 teams with a 54-hole score of 886 (+34).KEY MOMENTS • Sophomore Tyran Snyders led the Tigers at the Hoosier Collegiate Invitational, tying for 11th ...

BLOOMINGTON, Ind. – The University of Memphis men\'s golf team concluded play the 2021-22 season-opening Hoosier Collegiate Invitational at the Pfau Course in Bloomington, Ind. on Monday. The Tigers finished sixth out of 15 teams with a 54-hole score of 886 (+34).

KEY MOMENTS • Sophomore Tyran Snyders led the Tigers at the Hoosier Collegiate Invitational, tying for 11th place with a total score of 217 (+4). • Snyders was consistent all weekend, carding rounds of 74-70-73 to record the second top-20 finish of his Memphis career. • Esteban Vazquez tied for 13th place at the event with a three-round score of 218 (+5). • Vazquez\'s finish earned him his first career top-20 as a Tiger with rounds of 71-69-78. • Ryan van der Klis (81) finished his first tournament as a Tiger with a score of 225 (+12), tying him for 36th place. • Also playing his first tournament for Memphis, Sergio Cavestany (76) tied for 42nd place with a total of 227 (+14). • Both Mitchell Bowlin (82) and James Morgan (78) tied for 57th place with scores of 235 (+22). Morgan was playing as an individual this weekend in Bloomington.

TIGER SCORECARD T-11. Tyran Snyders 217 (+4) T-13. Esteban Vazquez 218 (+5) T-36. Ryan van der Klis 225 (+12) T-42. Sergio Cavestany 227 (+14) T-57. Mitchell Bowlin 235 (+22) T-57. James Morgan 235 (+22)* * Playing as an individual

TEAM STANDINGS T-1. Illinois 858 (+6) T-1. Cincinnati 858 (+6) 3. Indiana 860 (+8) 4. Illinois State 875 (+23) 5. Valparaiso 884 (+32) … 6. Memphis 886 (+34)

NOTABLES Vazquez set career-bests with his T-13 finish and 56-hole score of 218. As a team, Memphis carded rounds of 295-283-308 at the Hoosier Collegiate Invitational.

UP NEXT • The Memphis Tigers will be back on the course on Sept. 20-21 to compete in the Battle at Briar\'s Creek at The Golf Club at Briar\'s Creek in Johns Island, S.C.

Mark Clark Extension plan presented to the public

JOHNS ISLAND, S.C. (WCIV) — The S.C. Department of Transportation and Charleston County Government presented to the public a new plan for the Mark Clark Extension. The plan, alternative G, would include 9.5 miles of Mark Clark Expressway, two connectors, two river crossings and a bike and pedestrian pathway.If the project goes forward as is, it is expected to begin construction in 2024 and cost $725 million.The goal is to get Johns Island, James Island and West Ashley residents to downtown Charleston faster, by the year 2...

JOHNS ISLAND, S.C. (WCIV) — The S.C. Department of Transportation and Charleston County Government presented to the public a new plan for the Mark Clark Extension. The plan, alternative G, would include 9.5 miles of Mark Clark Expressway, two connectors, two river crossings and a bike and pedestrian pathway.

If the project goes forward as is, it is expected to begin construction in 2024 and cost $725 million.

The goal is to get Johns Island, James Island and West Ashley residents to downtown Charleston faster, by the year 2050. For one resident at the meeting though, the plan isn\'t perfect.

“What is this new project going to bring to the community? Are people going to be able to save say 15 minutes or so commuting in 2050? Is that a good trade off? We have another 30 years to go forward and I just visualize this as a perpetual construction site," said Johns Island resident Richard May.

The current state of roads makes building more a questionable plan for May.

“We need to go on a road diet. If you’re going to build a road, if it’s that serious, then you bloody well better be able to maintain it. I\'m in favor of no new development, no new roads, until you can fix what you’ve got. If it isn’t good for the community now, some grandiose plan with taxpayer dollars, spending a billion dollars, ok, ain’t gonna make it any better," said May.

Project managers say the public comment will be vital to the project.

“We need to understand what we don’t understand. We send a lot of scientist and engineers to the field and we look at things as we’re supposed to, but not all of us live here and work here on Johns Island and James Island. This allowed folks like you or me to be able to comes out and say, \'Hey this is what I see on a daily basis,\'" said Richard Turner, Charleston County Director of Public Works.

If you missed today\'s meeting, then there are two more scheduled. The next is Tuesday from 4 P.M. to 7 P.M. at Edisto Hall on James Island. Then another on September 14 from 11 A.M. to 6 P.M. at Essex Village Church in West Ashley.

If you can\'t make any of the meetings, you can view the plan and provide comment at www.scdotmarkclark.com/publichearing.

South Carolina Professional Firefighter Association raises concern about low IOP pay

ISLE OF PALMS, S.C. (WCIV) — The South Carolina Professional Firefighters Association said the wages for the Isle of Palm Fire Department are not high enough.The city of Isle of Palms said the lowest paid firefighter earns $12.55 an hour."They are not paying well. And they are not paying down the road, people are realizing it,&...

ISLE OF PALMS, S.C. (WCIV) — The South Carolina Professional Firefighters Association said the wages for the Isle of Palm Fire Department are not high enough.

The city of Isle of Palms said the lowest paid firefighter earns $12.55 an hour.

"They are not paying well. And they are not paying down the road, people are realizing it," said William Pesature, Vice President of the SC Professional Firefighter Association.

Pesature said in the firefighting world you want to build a team that has experience, training and standing.

He said the Isle of Palms is not doing that for their firefighters and a change needs to be made when it comes to pay.

He said the department has two problems: no fire chief for the last eight months and the firefighter pay rate.

"You should be able to afford a decent wage for your firefighters so that they want to stay there. If you have one of the richest cities in the state, and you are not taking care of your first responders? What\'s going to happen to your in an emergency situation?" he said.

Pesature said the issue should concern taxpayers on the island because when someone leaves the department the city has to pay to train a new employee.

"Training is very expensive. Because they have to pay for a person to go to school and then when they are supposed to be in the fire house (and) they have to pay someone overtime to cover their spot to maintain the standards of staffing," he said.

Read More: New signs going up at Johns Island bus stop to remind drivers to stop for school buses

ABC News 4 reached out to the city for comment. Desiree Farago, the city administrator said in part, "The City is in the process of finalizing a wage and compensation analysis with the goal of identifying market based and competitive wages for all City positions. We expect the report and recommendations for adjustments will be in place before the end of the year."

"We have also collected feedback from every member of the fire department regarding how we reward high performance and increase wages throughout their tenure with the city that will be incorporated into new compensation policies," John Moye, an IOP councilman, said.

Moye said the consultant\'s leading the wage compensation plan should be presenting to council sometime in September.

Women’s Golf Releases Complete 2021-22 Schedule

NORFOLK, Va. – Head coach of the Old Dominion University women\'s golf team Mallory Hetzel announced today the full schedule for the upcoming 2021-22 season. The Monarchs will play four events in the fall and six in the spring and will host the rebranded Evie Odom Invitational at Princess Anne Country Club in early October.The season begins on Sept. 12 with the two-day William & Mary Fall Invitational. The event is bein...

NORFOLK, Va. – Head coach of the Old Dominion University women\'s golf team Mallory Hetzel announced today the full schedule for the upcoming 2021-22 season. The Monarchs will play four events in the fall and six in the spring and will host the rebranded Evie Odom Invitational at Princess Anne Country Club in early October.

The season begins on Sept. 12 with the two-day William & Mary Fall Invitational. The event is being played on the River Course at Kingsmill Resort, the host venue for the LPGA\'s annual Pure Silk Championship.

ODU then moves on to University Ridge Golf Course in Madison, Wisconsin for the Badger Invitational, Sept. 19-21. University Ridge G.C. has played host to an annual PGA Tour Champions event since 2016 and has also been the venue for the 1998 NCAA Division I women\'s golf championship, multiple Big Ten championships and an NCAA women\'s golf regional in 2018. The Monarchs competed in that 2018 Madison Regional after receiving their first-ever at-large bid and placed 14th.

Old Dominion returns closer to home for its next event, the Bryan National Collegiate at the Bryan Park Champions Course in Greensboro, North Carolina. The event, which runs Sept. 26-28, annually attracts the top-rated women\'s golf programs in DI.

"We are excited to play a new schedule this fall," Hetzel said. "Playing at William & Mary will give us an opportunity to gain some early season momentum close to home. Wisconsin is a championship course with a field of teams from all over the country. The Bryan National is one of the most premiere tournaments in all of college golf. "

The Monarchs wrap up the fall season by hosting the Evie Odom Invitational at Princess Anne Country Club in Virginia Beach from Oct. 3-5. This is the third installment of ODU\'s annual fall tournament, formerly called the Princess Anne Invitational.

"Our home tournament has a new sponsor and new name," Hetzel said. "The Evie Odom Invitational is named in honor of Evie Odom, a great friend and supporter of ODU women\'s golf. The Odoms have graciously contributed to the tournament at Princess Anne Country Club, and we appreciate all their efforts to make this a successful tournament."

Following a four-month break, Old Dominion returns to competition at the UCF Challenge, which runs Feb. 6-8 at Eagle Creek Golf Club in Orlando, Florida. The UCF Challenge has become a regular staple for the Monarchs, who have participated in the event each year since 2017.

The next week, ODU travels cross country to Las Vegas and The Show at Spanish Trail. The event runs Feb. 14-15 at Spanish Trail Country Club, a course that has hosted a PGA Tour event five times in its history.

After its adventure out west, Old Dominion plays the Briar\'s Creek Invitational in Johns Island, South Carolina. Another familiar event for the Monarchs, the Invitational goes March 14-15 at The Golf Club at Briar\'s Creek.

The regular season winds down with two final events, the Chattanooga Classic and the Indiana Invitational. The Chattanooga Classic runs March 27-29 at The Course at Black Creek. The Indiana Invitational goes April 9-10 at The Pfau Course in Bloomington, Indiana.

The first three stroke play rounds of the Conference USA Championship run April 18-20 with match play semifinals and finals to follow. The location and host course of the championship will be announced at a later date.

Click here for the complete 2021-22 women\'s golf schedule.

2021-22 Women\'s Golf Schedule Sept. 12-13: William & Mary Fall Invitational – River Course at Kingsmill (Williamsburg, Va.) Sept. 19-21: Badger Invitational – University Ridge Golf Course (Madison, Wisc.) Sept. 26-28: Bryan National Collegiate – Bryan Park Champions Course (Greensboro, N.C.) Oct. 3-5: Evie Odom Invitational – Princess Anne Country Club (Virginia Beach, Va.) Feb. 6-8: UCF Challenge – Eagle Creek Golf Course (Orlando, Fla.) Feb. 14-15: The Show at Spanish Trail – Spanish Trail Country Club (Las Vegas, Nev.) March 14-15: Briar\'s Creek Invitational – The Golf Club at Briar\'s Creek (Johns Island, S.C.) March 27-29: Chattanooga Classic – The Course at Black Creek (Chattanooga, Tenn.) April 9-10: Indiana Invitational – The Pfau Course (Bloomington, Ind.) April 18-20: Conference USA Championship – TBD

I-526 is back: 5 things you need to know

Engineers and county officials dusted off plans for the long-running, controversial project to extend Interstate 526 this week for the public to review and you have new chances to weigh in.State and local officials said at a Thursday press conference they’re as confident as ever that the project will go through, despite years of waffling from politicians and residents over whether it’s a good idea.Either way, county and state engineers are compiling a newly updated regulatory report in the coming months, so you&rsqu...

Engineers and county officials dusted off plans for the long-running, controversial project to extend Interstate 526 this week for the public to review and you have new chances to weigh in.

State and local officials said at a Thursday press conference they’re as confident as ever that the project will go through, despite years of waffling from politicians and residents over whether it’s a good idea.

Either way, county and state engineers are compiling a newly updated regulatory report in the coming months, so you’ll be hearing a lot more about it.

Here are five things you need to know about the newly revived I-526 project:

Officials are collecting comments for a Supplemental Environmental Impact Statement. As part of the latest public comment period, Charleston County and S.C. Department of Transportation are collecting comments to consider and incorporate into a new Supplemental Environmental Impact Statement that will lay out the expected changes that may come from the project. Everything from noise and wetland destruction to traffic improvements and growth modeling are included in the report, expected later this year.

One public hearing is planned for Sept. 14 in West Ashley where people will be able to speak and ask questions. Two community meetings are planned Aug. 31 on Johns Island and Sept. 1 on James Island. You can find out more info, review the maps and plans, attend the public hearing virtually and submit a comment online at scdotmarkclark.com.

The plans haven’t changed much. Minor changes have been specific intersections and the proposed multiuse path that will parallel the highway. But overall, the path of the project is the same “Alternative G” that last got a major look in 2016.

There’s no price tag yet. Estimates made in 2014 put the cost of the project at between $725 million and $772 million in 2019 dollars. Updated costs are not yet available. The county and state have allocated about $736 million for the project so far. Anything over that amount, the county will be on the hook for funding. County officials said Thursday that other sources of funding would be explored if needed, including federal dollars.

There’s a bike and pedestrian path. The existing I-526 loop has been criticized for its lack of pedestrian access, but existing proposals include a 12-foot “multiuse path” that engineers said would be separated from traffic along much of the extension. Current plans show a dedicated pedestrian on-ramp from the West Ashley Greenway on one end and a protected path to James Island County Park on the other. Still, some worry it may not be wide enough.

Critics are still urging the project be scrapped. Not surprisingly, soon after plans for the project went online, analysts from the Coastal Conservation League started directing supporters to urge the state and county to shelf the plan for good, calling it a “last-century highway project that benefits few and impacts many” in an email blast to supporters.

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