Senior Medicare Advantage plan insurance in Ladson, 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 Ladson or simply have questions about signing up for Medicare, our team is here to help.
Guiding You Through The Confusion of Medicare!Request a Consultation
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:
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 Ladson
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:
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.
Senior Medicare Advantage Plan Insurance in Ladson, 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 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 Ladson. 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 Ladson, SC
Report: Bears not currently shopping three-time Pro Bowler Robert Quinn
Kirby Lee-USA TODAY SportsNFL's Ian Rapoport reported on Tuesday that teams were "sniffing around" on three-time Pro Bowl pass rusher Robert Quinn for a possible trade. The insider had a follow-up report on Wednesday morning, though, that indicates the chances of Quinn being moved are slim. Following up on this from yesterday: The ...
Kirby Lee-USA TODAY Sports
NFL's Ian Rapoport reported on Tuesday that teams were "sniffing around" on three-time Pro Bowl pass rusher Robert Quinn for a possible trade. The insider had a follow-up report on Wednesday morning, though, that indicates the chances of Quinn being moved are slim.
Following up on this from yesterday: The #Bears are not currently shopping pass-rusher Robert Quinn, source said. Quinn referenced some uncertainty in his interview and other teams have been monitoring, but Chicago is not shopping him. https://t.co/zlC42pydb8— Ian Rapoport (@RapSheet) April 27, 2022
Quinn was selected by the then-St. Louis Rams as the 14th overall pick in the 2011 NFL Draft and spent the first seven seasons of his career with the franchise. After a solid first two years in the league, the North Carolina product bust out with a monster 2013 campaign, recording what are still career highs in tackles (57), quarterback hits (34), tackles for loss (league-leading 23), sacks (19.0) and forced fumbles (seven), while earning First-Team All-Pro honors and his first Pro Bowl nod as well.
The 31-year-old Quinn made another Pro Bowl back in 2014 after posting 46 tackles, 20 quarterback hits, 13 tackles for loss, 10.5 sacks, a career-high six passes defended and a league-best five forced fumbles, before he was limited to eight games in 2015 and nine contests in 2016. He spent his final season with the Rams in 2017 before being traded to the Miami Dolphins in March 2018.
A Ladson, S.C., native, Quinn was with the Dolphins for one season and the Dallas Cowboys in 2019, before joining the Bears ahead of the 2020 campaign. Two seasons ago, Quinn played on a career-low 55% of his team's defensive snaps, registered a career-low 2.0 sacks and made just 20 tackles, but he bounced back in a big way in 2021.
Last year, the 11-year pro made his third Pro Bowl (first since 2014) and was named Second-Team All-Pro, after going for 49 tackles, 22 quarterback hits and 18.5 sacks. Quinn's 101.0 career sacks in 156 games played have him ranked sixth all-time among active players.
Ladson residents concerned over growing litter problem, calling on officials to help
LADSON, S.C. (WCBD) – When driving down Stoney Road or Heaton Drive in Ladson, you’ll notice trash lining the street. But residents say it’s getting worse, and they’re not sure who to turn to.According to Ladson resident, Amanda Collers, people have started dumping tv’s, mattresses, and even couches on the sides of the roads.“We can’t get help from the county, getting it picked up. And we can’t collectively as a community, haul those things off,” Collers said.Collers ...
LADSON, S.C. (WCBD) – When driving down Stoney Road or Heaton Drive in Ladson, you’ll notice trash lining the street. But residents say it’s getting worse, and they’re not sure who to turn to.
According to Ladson resident, Amanda Collers, people have started dumping tv’s, mattresses, and even couches on the sides of the roads.
“We can’t get help from the county, getting it picked up. And we can’t collectively as a community, haul those things off,” Collers said.
Collers and other community members clean the litter themselves. They joined the nonprofit, PalmettoPride, which provides safety equipment for residents to pick up litter a few days during the year.
Aside from that, Collers said residents also go out at least once a month to collect trash on their own.
However, she said they are struggling to find help with the bigger items.
“A few years ago, we had assigned people who would contact the (Charleston) county when we had big things, and they would come out here and pick it up and now we’re having trouble getting them out here to have it picked up,” Collers explained.
When asked about this issue, Charleston County officials told News 2 Stoney Road and Heaton Drive are state roads. Officials said the county steps in if the trash is on private property.
County officials released a statement to News 2:
“If a property owner leaves trash for collection for more than 48 to 72 hours, then they are in violation of Charleston County ordinance. To address trash left on private property, residents can call Charleston County Code Enforcement. A code enforcement officer shall serve written notice on the owner of the property requiring the owner to abate or remove the litter within 15 calendar days from the date of the notice.”
Collers also said she and other community members have reached out to the South Carolina Department of Transportation. She said they told residents to submit work orders online.
On Friday, News 2 reached out to SCDOT about the issue. They said they hadn’t received any recent reports of litter, however, they said district employees inspected the area and removed what they could accommodate in their truck. They submitted a work order for the rest of the trash.
They advise residents to report issues on state roads at 855-GO-SCDOT or click here.
Dorchester County starts $3 million fire station rebuild
DORCHESTER COUNTY, S.C. (WCSC) - Dorchester County Fire Station 21 on Ladson Road is now closed while construction begins on a major remodel.The $3.3 million project will see the station completely demolished and reoriented so the building faces the road.Fire Chief Tres Atkinson says the new station is part of the county’s strategy for redeveloping the Oakbrook area. He says the new station will have four bays, office space, living quarters and at least six bunkrooms.“This is a big deal for this area. I think...
DORCHESTER COUNTY, S.C. (WCSC) - Dorchester County Fire Station 21 on Ladson Road is now closed while construction begins on a major remodel.
The $3.3 million project will see the station completely demolished and reoriented so the building faces the road.
Fire Chief Tres Atkinson says the new station is part of the county’s strategy for redeveloping the Oakbrook area. He says the new station will have four bays, office space, living quarters and at least six bunkrooms.
“This is a big deal for this area. I think not so much for the call volume but just the way this area is growing and the way it looks,” Atkinson said. “We really need to make it fit the ticket for the remodel of the Oakbrook area. We really need to make this more aesthetically pleasing, and I think it’s a win for both sides - for the fire service and for the community as well.”
It will also feature a weight room and a dedicated area for turnout gear. This is a decontamination area to purge gear of harmful chemicals picked up during fire calls. Many of those chemicals are carcinogenic, meaning they can cause to cancer.
The project is currently $300,000 over the original budget with construction expected to be completed sometime next year, although a more specific timeline is not yet available. In the meantime, the fire trucks and ambulances have been moved to other areas.
That has some people living in the area concerned.
“The new station will be great in the long run, but I am just concerned that they were not planning their coverage in the meantime,” said Fred K. “There are numerous apartment buildings being constructed within a half mile from here. How are we going to have the same coverage while this construction is going on?”
Atkinson says they moved the fire engines to Station 22, about four miles away. They transferred EMS services to a Summerville fire station one mile away.
“We worked with our automatic aid partners in Summerville and North Charleston,” Atkinson said. “North Charleston has two stations right close by. . . There really won’t be a big impact to the response times.”
Fred’s concern isn’t about distance so much as it is about traffic.
“I’ve seen EMS have to drive over the concrete medians they put down on Dorchester Road. It’s not too easy for them to get down this way in heavy traffic,” Fred said. “The areas they have to go through are some of the most congested traffic in Dorchester County up here on Ladson Road and Dorchester Road. There’s so much more traffic here than there used to be even from just a few years ago. "
Atkinson says they’ve done the math and can guarantee there will not be a noticeable change in response times.
“We’ll be on scene very quickly,” Atkinson said. “It’ll be a big truck, a big red truck and it might say North Charleston or Summerville or Dorchester County on it but we’ll be there in a timely manner.”
Copyright 2022 WCSC. All rights reserved.
TELUS International establishing operations in Charleston County
$3.4 million initial investment will create approximately 1,200 new jobs by 2022 COLUMBIA, S.C. – TELUS International, a customer experience innovator that designs, builds and delivers digital solutions for global brands, today announced plans to establish operations in Charleston County. The $3.4 million initial investment will create approximately 1,200 new jobs by 2022.TELUS International provides multilingual digital customer experience and digital IT solutions to clients all ...
COLUMBIA, S.C. – TELUS International, a customer experience innovator that designs, builds and delivers digital solutions for global brands, today announced plans to establish operations in Charleston County. The $3.4 million initial investment will create approximately 1,200 new jobs by 2022.
TELUS International provides multilingual digital customer experience and digital IT solutions to clients all over the world. The company has over 56,000 team members, operates in more than 25 countries and partners with brands across high-growth industry verticals, including: technology and games; communications and media; eCommerce and fintech; healthcare and travel; and hospitality. In the United States, TELUS International also has operations in Folsom, California and Las Vegas, Nevada.
Located at 3450 Ingleside Boulevard in North Charleston, TELUS International’s new facility will increase the company’s operating capacity to meet growing customer demand.
TELUS International is currently welcoming team members into the new facility. Individuals interested in joining TELUS International should visit the company’s careers webpage.
The Coordinating Council for Economic Development has approved job development credits related to the project.
“We are thrilled to be expanding into North Charleston and tapping into the region’s attractive talent pool to support our company’s continued growth, as well as becoming more actively involved in the months and years ahead in community giving and volunteer initiatives to contribute to the health and well-being of the region’s citizens." -TELUS International Chief Operating Officer Chuck Koskovich
“We’re excited to welcome TELUS International to South Carolina and celebrate their decision to do business in our state. By creating approximately 1,200 new jobs in Charleston County, this company is making a commitment to the entire community that will make a real difference in the lives of South Carolinians, and we couldn’t be more excited.” -Gov. Henry McMaster
“Today, we congratulate TELUS International on the announcement of their first South Carolina operations. This $3.4 million initial investment and the creation of more than 1,200 new jobs represent a tremendous win for Charleston County and South Carolina.” -Secretary of Commerce Harry M. Lightsey III
“We continue to prove ourselves as a destination to call on for business growth. This is a significant win for Charleston County, and we are thrilled with the addition of 1,200 jobs for our citizens.” -Charleston County Council Chair Teddie Pryor
"Our three-county region is a globally competitive destination for business, talent and entrepreneurs. TELUS International selected Charleston for its competitive advantages and business-friendly environment. This international company will be an important part of our market's growing global economy and IT community, and we look forward to its continued success." -Charleston Regional Development Alliance Board Chair Mike Fuller
Tickets on sale for Lowcountry's 1st Trucking Expo; event aims to ease industry challenges
LADSON, S.C. (WCIV) — For the last two years, the trucking industry has...
LADSON, S.C. (WCIV) — For the last two years, the trucking industry has struggled with an all-time high in truck driver shortages. Amid this crisis, a Charleston trucking company is looking to change the narrative right here in the Lowcountry.
In exactly four months’ time, the Coastal Carolina Fairgrounds will be full of truck service companies, operators and vendors taking part in the first-ever trucking expo in the Lowcountry and South Carolina.
The expo is hosted by the trucking agency CM Transportation. The event will serve two main purposes:
One is to connect prospective drivers with current operators, vendors or agencies to provide the first step into entry in the trucking industry and open doors to those who haven’t had the opportunity before. It also looks to connect these prospective drivers with resources on how to get certified and obtain a commercial driver’s license.
The second is to connect operators with vendors in an attempt to improve supply chain management and look at ways to increase revenue.
With the current driver shortage totaling nearly 80,000 drivers nationwide, according to the American Trucker Association, leaders with CM Transportation say they felt the need to step in to try and make a change.
“With there being so many changes, like the cost of diesel fuel right now increasing the rates, we have a lot of people who are interested in entering into our industry,” CM Transportation owner and operator Carisa Carter said. “The lack of knowledge is why we peril. So, they don't really have the information that a lot of people don't have. The information that they need when they begin their journey in trucking. So, I think that this will change the face, because now they'll see that there is a support system.”
Carter said another focus of hers is to increase the female presence in the trucking industry. She hopes to use her connections within female-owned small businesses to help connect truck drivers with big players in the industry.
Truck drivers are in high demand, but there are many more factors that contribute to some of the struggles within the trucking industry.
One is the hike in diesel fuel prices over the last few months. Mix that with supply chain delays, and trucking companies like CM Transportation say it has completely changed the cost analysis for many companies and even caused many financial struggles.
Entry into the industry has also become harder over the last few months. New federal laws passed in February increased prices to obtain a CDL, which is required to be able to become a truck driver, by thousands of dollars.
To combat this, trucking officials say they have seen the highest salaries for drivers in almost 23 years, and with Charleston’s roots in shipping and ports, CM Transportation leaders hope this expo will drive more people into the industry.
“From East Coast to West Coast, there's just not enough truck drivers to deliver the amount of cargo that came in after the world opened back up after COVID,” Carter said. “That is one of the foundations, the biggest industries, that we have here locally, and so we're, you know, with this being a port city, the value is increased nationwide, which has allowed us to increase the value of our drivers here.”
The official date of the expo is set for Sept. 17 at the Coastal Carolina Fairgrounds. There will also be food, a DJ and a raffle for an estimated $6,000 set of tractor tires.
Tickets officially go on sale Tuesday for the first-of-its-kind expo. General admission starts at $25, with a professional package with more amenities starting at around $50.