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 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 Johns Island or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Johns Island, 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 Johns Island, 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 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 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 Johns Island, 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 Johns Island 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 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:

 Medicare Plans Johns Island, 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 Johns Island, 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 Johns Island. 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 Johns Island, 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 Johns Island, 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 Johns Island, 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 Johns Island, SC

Johns Island craft brewery among best in SC, according to Yelp

(NEXSTAR) – Who’s in the mood for an expensive beer?These days, it feels like you can’t throw a rock without hitting a craft brewery, or at least hitting someone who has a very strong opinion on craft beer. The number of U.S. microbreweries, taprooms and brewpubs has exploded over the last decade, from roughly 2,000 in 2010 to more than 9,000 in 2021, according to the Brewers Association.De...

(NEXSTAR) – Who’s in the mood for an expensive beer?

These days, it feels like you can’t throw a rock without hitting a craft brewery, or at least hitting someone who has a very strong opinion on craft beer. The number of U.S. microbreweries, taprooms and brewpubs has exploded over the last decade, from roughly 2,000 in 2010 to more than 9,000 in 2021, according to the Brewers Association.

Despite a slight dip in production during the pandemic (and current supply-chain snags), most of these breweries on track to keep pre-pandemic levels of beer flowing, too.

“While the boom in breweries of a few years before has certainly slowed, the continued growth in small breweries shows the solid foundation of demand for their businesses and beers,” Bart Watson, the chief economist of the Brewers Association, said in an April press release.

With so much craft beer to consider, and so many brewpubs to choose from, it’s undoubtedly daunting to settle on a destination for a draft or two. But luckily, the analysts at Yelp have sorted through thousands of user-generated reviews to determine which breweries are best-rated in your neck of the woods.

One quick note: The following list is based on reviews that not only considered the taste of each brewery’s beer, but also the ambiance or service at each establishment’s taproom, if they indeed serve beer on the premises.

Good? Alright, let’s hop to it, then: The top craft brewery* in each state, based on Yelp reviews, can be found below:

More information, and links to each brewery’s Yelp page, can be found at Yelp.com.

While the above breweries are certainly most popular with Yelp users, the sales figures of America’s top-producing craft breweries tell a different story. The most popular craft brewery in the U.S., in terms of sales volume, is Pennsylvania-based D. G. Yuengling & Son, followed by the Boston Beer Company of Massachusetts and the Sierra Nevada Brewing Company, according to the Brewers Association.

*Craft breweries, as defined by the Brewers Association, must produce less than 6 million barrels per year. To qualify for the category, no more than 25% of the company can be owned or controlled by a larger, non-craft brewer. The brewery itself must also hold a TBB Brewer’s Notice and be actively producing beer.

Charleston Co. leaders, Johns Island residents mull plans to reduce Main Road congestion

CHARLESTON COUNTY, S.C. (WCIV) — Charleston County is working to improve traffic along Main Road on Joh...

CHARLESTON COUNTY, S.C. (WCIV) — Charleston County is working to improve traffic along Main Road on Johns Island.

Leaders hosted a meeting Thursday night to receive public input on the proposed six alternatives that would reduce congestion.

Lowering traffic congestion was a shared concern at the meeting. However, residents of Johns Island said they do not want to lose the integrity of the island, whether that means the gran oak trees or the longstanding businesses along Main Road.

Jackie Baer owns Angel Oak Family Medicine, the first rural health clinic on Johns Island.

She attended the Main Road Corridor public input meeting, not just because her business may face relocation depending on the alternative plan selected, but because the people she serves will be impacted.

"It is a walk-in clinic, people walk to my clinic. They come in wheelchairs, and I am available to them, and by taking that away, it creates a huge gap in primary care, and that is what I do," she explained.

At Angel Oak Family Medicine, Baer serves the working poor, meaning if she loses her business, thousands will lack the care she provides.

Others also shared Baer’s apprehension.

"I am afraid that some of these plans will take away some of those things that we hold dear here. That is why I think it is important for everyone to come out here and get their input in of what they think is important," said Peter Rubino.

"I love the character of the island. I want to maintain that as much as possible. I think four lanes would destroy that. It would be like driving down Folly Road," added Fred Neuvill.

But Charleston County construction project manager Herbert Mims wants to put concerned citizens at ease as much as possible.

"I will personally read every comment that we get, as well as our consulting team. It is a factor that will lead us to a place where this is the alternative the public wants," he exlained.

And there’s still time for the public to weigh in. Charleston County will be taking comments online until May 27.

CSM announces 2022 Spring Commencement candidates for graduation

The following students were recognized as candidates for associate degrees, certificates or letters of recognition at the College of Southern Maryland’s (CSM) 63rd Spring Commencement ceremony held Friday, May 13, 2022, at the La Plata Campus.AbingtonAccokeekAnnapolisAvenueBel AltonBenedictBrandywineBryans RoadBryantown...

The following students were recognized as candidates for associate degrees, certificates or letters of recognition at the College of Southern Maryland’s (CSM) 63rd Spring Commencement ceremony held Friday, May 13, 2022, at the La Plata Campus.

Abington

Accokeek

Annapolis

Avenue

Bel Alton

Benedict

Brandywine

Bryans Road

Bryantown

Bushwood

California

Callaway

Chaptico

Charlotte Hall

Chesapeake Beach

Clements

Clinton

Deale

Drayden

Dunkirk

Fort Washington

Great Mills

Hollywood

Hughesville

Huntingtown

Indian Head

La Plata

Largo

Laurel

Leonardtown

Lexington Park

Loveville

Lusby

Marbury

Mechanicsville

Mt Rainer

Nanjemoy

Newburg

North Beach

Owings

Oxon Hill

Park Hall

Piney Point

Pomfret

Port Republic

Prince Frederick

Ridge

Saint Inigoes

Saint Leonard

Solomons

Swan Point

Temple Hills

Upper Marlboro

Valley Lee

Waldorf

Welcome

White Plains

Out of state

Blythewood, S.C.

Bronxville, N.Y.

Gardena, Calif.

Hyde Park, Mass.

Johns Island, S.C.

Littlestown, Pa.

Santee, Calif.

Seoul, South Korea

Virginia Beach, Va.

West Lawn, Pa.

West Warwick, R.I.

Woodbridge, Va.

Yuba City, Calif.

Men's Golf Tied for Fourth After Day Two of CAA Championship

SAINT HELENA ISLAND, S.C. – Elon University men's golf combined to shoot an even 288 in the second round of the 2022 CAA Championship on Monday, April 25 at Dataw Island Club.The Phoenix is currently tied for fourth place in the team standings with Delaware at six-over par 582. College of Charleston extended its overall lead to a 21-under 555, UNCW is in second place with a 12-under 564 and Drexel is third with a three-under 573.HIGHLIGHTS ...

SAINT HELENA ISLAND, S.C. – Elon University men's golf combined to shoot an even 288 in the second round of the 2022 CAA Championship on Monday, April 25 at Dataw Island Club.

The Phoenix is currently tied for fourth place in the team standings with Delaware at six-over par 582. College of Charleston extended its overall lead to a 21-under 555, UNCW is in second place with a 12-under 564 and Drexel is third with a three-under 573.

HIGHLIGHTS Garrett Risner still leads the team and is tied for 10th with a one-under par 143. He turned in a one-over 73 for his second time around the course with three birdies made. Bronson Myers recorded an even 72 for the second straight day and is one stroke behind Risner and tied for 14th at 144. Matthew Doyle posted the best round for the Phoenix on Monday. The freshman from John's Island, S.C. bettered his first-round score by nine strokes, tallying five birdies, for a two-under 70. He's currently tied for 24th at five-over 149. William Frodigh and Juan Callejo Ropero are both tied for 27th with scores of six-over 150. Frodigh made three birdies on his back nine to finish with a one-over 73 for the round. Callejo Ropero eagled the par-5 13th hole and added five birdies, but with a triple bogey and a double bogey on his card, he ended up at three-over 75.

Myers is tied for second in par-4 scoring with an average of 3.85 while Risner is tied for second in par-5 scoring at 4.50. Callejo Ropero, Myers and Risner have all made seven birdies so far while Risner leads the team with 23 putts for par.

UP NEXT The Championship concludes with the final round tomorrow. Elon will tee off from the first hole between 8-8:48 a.m.

2022 CAA Championship April 24-26 | Saint Helena Island, S.C. Team Standings 1. Charleston (281-274--555) -21 2. UNCW (283-281--564) -12 3. Drexel (290-283--573) -3 T4. Elon (294-288--582) +6 T4. Delaware (293-289--582) +6 6. Towson (295-295--590) +14 7. William & Mary (308-294--602) +26 8. Hofstra (318-305--623) +47

Elon Individuals T10. Garrett Risner (70-73--143) -1 T14. Bronson Myers (72-72--144) E T24. Matthew Doyle (79-70--149) +5 T27. William Frodigh (77-73--150) +6 T27. Juan Callejo Ropero (75-75--150) +6

-- ELON --

Hicks: Savannah Highway improvements will help, just not with capacity

West Ashley folks depend on a few tricks to navigate the multiple lanes of madness that are Savannah Highway.For instance, you never use the Sam Rittenberg Boulevard merge if you need to get over into the left lane within, say, a mile. Or two.If you’re on a side street, always wait a beat after the light turns green. A surprising number of drivers apparently don’t notice some of the highway’s traffic signals … and blow through red lights at 50 mph.And, finally, plan to spend a little time around ...

West Ashley folks depend on a few tricks to navigate the multiple lanes of madness that are Savannah Highway.

For instance, you never use the Sam Rittenberg Boulevard merge if you need to get over into the left lane within, say, a mile. Or two.

If you’re on a side street, always wait a beat after the light turns green. A surprising number of drivers apparently don’t notice some of the highway’s traffic signals … and blow through red lights at 50 mph.

And, finally, plan to spend a little time around the auto mile any time Krispy Kreme is having a sale or Chick-fil-A is, well, open.

Savannah Highway is apt to be congested, even gridlocked, during daylight hours every day of the week. Always has been, probably always will be.

Which means the county’s $49 million Savannah Highway Capacity and Intersection Improvements plan, funded by the voter-approved half-cent sales tax, will be welcomed by locals.

The county has a number of tweaks in the works that should make it easier to get on and off the highway, fix some wonky intersections and increase access for bikers and pedestrians.

Just don’t expect it to miraculously clear up all that traffic.

“We’re doing everything we can to make Savannah Highway more friendly for all users,” says County Councilman Brantley Moody, who represents West Ashley. “But until we get those 30,000 cars out of West Ashley that don’t need to be there, there’s not going to be any relief.”

Yes, that’s a reference to finishing Interstate 526. With which, unfortunately, West Ashley’s traffic future has become hopelessly entwined.

The fight over that controversial road project — which would extend the bypass from Citadel Mall to James Island — has long focused on what the road might do to Johns Island development.

But many 526 proponents are more interested in what the bypass could do for West Ashley. Particularly Savannah Highway — the biggest traffic headache in Charleston’s largest suburb.

In the past decade, Savannah Highway traffic through the auto mile is up 10%, which is modest by local standards. But the number of cars on the road from the end of 526 to Savage Road has increased by 20%. Around the infuriating intersection of Highway 17 and Main Road, average daily traffic counts are up by 32%.

That flyover is still four years off.

The numbers suggest much of West Ashley’s increased traffic is headed for Johns Island, which is why some locals want the bypass — to keep them off Savannah Highway.

But with a new cost estimate of $2.35 billion, prospects for 526′s future are — to say the least — unsettled. And that’s exactly why the county’s other plans for the highway are so important.

Earlier this year, the county took public comments about Savannah Highway and is incorporating those suggestions into the plans.

Bottom line, the early designs should improve most of Savannah Highway’s major intersections, from Magnolia down to Savage Road. Many are choke points and some, like the crossing at DuPont and Stinson, don’t exactly line up. Which makes for awkward traffic patterns.

Moody says Savage Road will get a merge lane onto Savannah Highway, as will Magnolia. Which is good. Try turning right there now.

The work is modest by modern infrastructure standards (one-third the cost of widening five miles of Highway 41). Some might say it’s too modest, that West Ashley is too dependent on 526 for relief.

But it’s more complicated than that, because there’s simply no way to increase capacity on Savannah Highway ... as Mount Pleasant did with its stretch of Highway 17. The businesses in West Ashley are just too close to the road.

The best anyone can do is ensure the endless procession of traffic moves more smoothly.

Charleston Mayor John Tecklenburg says Savannah Highway suffers from a lack of alternative routes, a common problem here, and exacerbated by all the marshes and rivers. That means we need bridges, which are expensive.

“You see what happens when one bridge goes out — the gridlock just spreads because of how interconnected we are,” Tecklenburg says. “Any bridge that goes out will shut down the whole area. That 526 bridge would be another relief valve. There’s no silver bullet, but that’s the closest thing.”

S.C. Transportation Secretary Christy Hall recently suggested the county focus on the 526 leg from Citadel Mall to Johns Island to help West Ashley. But that’s still $1.35 billion. Even 526 optimists don’t expect to see that within the decade.

Which makes the county’s other plans the best near-term hope for managing West Ashley traffic.

Meantime, locals better learn those tricks to get around.

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