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 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 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 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 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 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 Ladson

Coastal Carolina Fair returns for 64th year this October

LADSON, S.C. (WCBD) – The Coastal Carolina Fair promises a return to food, fun and thrills when it kicks off at the Ladson fairgrounds in late October.The fair, which is typically held in the fall each year, was canceled in 2020 because of the coronavirus pandemic. Organizers ...

LADSON, S.C. (WCBD) – The Coastal Carolina Fair promises a return to food, fun and thrills when it kicks off at the Ladson fairgrounds in late October.

The fair, which is typically held in the fall each year, was canceled in 2020 because of the coronavirus pandemic. Organizers last summer announced they made the difficult decision out of “extreme caution for the health and safety of the community, volunteers, and staff members” as cases of the virus were on the rise.

“The Coastal Carolina Fair is a world-class fair. It’s got one of the biggest mobile midways in America and we just could not produce that fair and be safe for the public and the workers, bottom line, that’s what happened,” said Glenn McConnell, President of the Coastal Carolina Fair, in June 2020.

Many of the annual events people across the Lowcountry love are back on this year, and that includes the Coastal Carolina Fair when it returns for its 64th year beginning October 28th through November 7th.

The Exchange Club of Charleston, which hosts the fair, said proceeds from the annual event are given back to the community through service grants. More than $500,000 was donated to over 60 local non-profit organizations and individuals following the 2019 fair.

Guests can enjoy plenty of delicious – and often interesting – food from dozens of vendors, exciting games and rides, and myriad creative arts, music, and animal exhibits.

A number of COVID-19 safety precautions will be implemented for the fair such as plastic shields and barriers, cashless payment options, and increased hand sanitizer stations. They also hope to add more kiosks at the fair which will help you complete online transactions.

You are also recommended to purchase your tickets ahead of time. Tickets will go on sale October 1st; we’re told you can buy them in advance online or at Circle K locations which will save both money and time, especially if you purchase them before the first day of the fair.

Live entertainment has not yet been announced for this year’s fair. Fair organizers say entertainment will not be announced before October 1st – that is the date tickets go on sale.

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.

College Park Estate residents fed up with flooding

LADSON, S.C. (WCIV) — Lots of rain and no solutions.Homeowners in the Berkeley County neighborhood of College Parks Estates are looking for answers from county leaders.“The people in College Park that live on this canal hasn'...

LADSON, S.C. (WCIV) — Lots of rain and no solutions.

Homeowners in the Berkeley County neighborhood of College Parks Estates are looking for answers from county leaders.

“The people in College Park that live on this canal hasn't seen any relief from this,” said resident Marshall Harrison.

His neighbor, Ben Ramsey, said his home has fought a losing battle with heavy rain and flooding for more than 10 years.

“We've been flooded 10 times since 2008,” Ramsey said. “Some, just a little bit of water; some, up to 3-and-a-half-foot of water in the downstairs. Our downstairs is useless.”

Monday’s floodwaters turned the College Park Canal into a raging river.

On Tuesday, Berkeley County crews could be seen dealing with the aftermath left behind on neighborhood bridges, removing trash and debris to allow water to flow downstream.

“They put in these barriers that are supposed to catch all this debris,” Harrison said. “But problem with that is there’s nowhere for the water to flow at that time, and it backs it up farther.”

The WaterGoat was installed by the county to act as a trash-trap, collecting debris at an isolated location and preventing it to flow into harder to reach areas.

But when it comes to clearing out the apparatus, county councilman Tommy Newell said it should be a community effort.

“The volunteer fire department can assist; the county can assist but it has to be a community-type thing,” Newell said.

Newell said he is well-aware of the flooding issues within the neighborhood and said it’s an ongoing issue every time there is a thunderstorm.

He said the county has not sat idly by.

“The county can only do so much,” Newell said. “We have been doing stuff. I’ve asked administration to come up with a history of what we’ve done so we can give that to the public to show we are spending your tax money properly to fix this issue.”

He said the real issue at hand sits outside the county’s jurisdiction.

The Army Corps of Engineers has control over any wetlands dredging.

Currently, a study is underway to investigate current conditions in the neighborhood.

“Box culverts and pipes and other roads and stuff that need to be switched out because they’re 50 years old,” Newell said.

Until changes are made, Newell wants community members— especially those in College Park Estates— to know he is right there with them.

“I’m out there driving the flooded area, making sure people aren’t stranded, stuff like that; that’s what I was doing,” he said. “People say we’re not doing anything and that’s just not true.”

Newell says the results of the study are expected to be available within the coming month.

He encourages community members to volunteer to clear out the WaterGoat.

Volunteers can sign up by contacting Stormwater Program Manager Thurman Simmons at Thurman.simmons@berkeleycountysc.gov or call (843) 719-2691.

They can also contact Sarah McCarthy-Smith at sarah.smith@berkeleycountysc.gov or call (843) 719-2383.

South Carolina man accused of beating, choking 72-year-old mom unconscious

A South Carolina man is facing a felony assault charge after authorities say he beat and choked his 72-year-old mother unconscious Thursday after telling her he had wrecked her car and she began to cry.The Dorchester County Sheriff’s Office said in a release Friday that it has charged Jerry Lee Wood, 45, of Ladson, with assault and battery of a high and aggravated nature.The felony charge carries a penalty of up to 20 years in prison.Deputies were dispatched to Mickler Drive around 7:20 a.m. Thursday. When authorit...

A South Carolina man is facing a felony assault charge after authorities say he beat and choked his 72-year-old mother unconscious Thursday after telling her he had wrecked her car and she began to cry.

The Dorchester County Sheriff’s Office said in a release Friday that it has charged Jerry Lee Wood, 45, of Ladson, with assault and battery of a high and aggravated nature.

The felony charge carries a penalty of up to 20 years in prison.

Deputies were dispatched to Mickler Drive around 7:20 a.m. Thursday. When authorities arrived about 10 minutes later, Wood’s mother told deputies she had just been assaulted by her son inside the home where they both live.

She told authorities her son got home around 7 a.m. after taking her vehicle without her permission. When Wood told her he had wrecked the car, she looked outside through the blinds in her living room and saw the damaged car.

That’s when she began to cry. But when she told her son that he was going to have to pay for the car, Wood lunged at her, according to an incident report.

The elderly woman told deputies her son knocked her phone out of her hands and began punching her in the face. She said Wood then knocked her to the ground and got on top of her.

He grabbed her by the hair, according to the incident report, and started banging her head against the ground.

That’s when she said her son told her he was “going to kill her” and that this was “her last day to live,”according to the incident report.

Deputies said Wood then began to strangle his mom until she lost consciousness.

When she regained consciousness, the woman saw Wood get off her. After he walked to the bathroom and shut the door, she told deputies that’s when she fled.

She called 911 from a neighbor’s house. When EMS arrived, she was transported to Summerville Medical Center for treatment.

Sheriff’s office spokesman Lt. Rick Carson said in a statement that the victim suffered “significant injuries in addition to being choked into unconsciousness.”

Dorchester County Sheriff’s deputies approached the home where the alleged assault took place and tried to talk to Wood.

Deputies say he refused to come out, shouting, “You better not come through that door mother (expletive).”

Deputies again tried to talk to Wood through the door.

Wood refused to comply and continued to shout, according to deputies.

“I have a bomb and a hostage,” Wood warned, according to deputies. “Get off my property mother (expletive).”

After their unsuccessful first attempt, deputies returned hours later with an arrest warrant.

Wood continued to say he had a bomb inside the house, and deputies decided to kick in the front door of the house.

They found Wood sitting on the couch in the living room. Deputies cuffed him, put him the back of a patrol car and drove him to the Summerville Medical Center after he told them his right foot might be broken.

He was later booked at the L.C. Knight Detention Center in Summerville.

On Friday morning, a judge set Wood’s bond at $150,000.

The investigation is ongoing, and the sheriff’s office said additional charges may be coming.

Another Turner on the way for Clemson football

Clemson coach Dabo Swinney raised eyebrows in recruiting circles on signing day of 2016 when he announced little-known safety Nolan Turner of Vestavia Hills, Alabama as part of the class.Turner was the son of one of Swinney’s former Alabama teammates, and to many it appeared he was just doing the family a favor. Well, Turner returned that favor many times over totaling 192 tackles and seven interceptions in his career.Swinney has gone back to the Turner family for another off-the-radar addition, this time wide receiver Co...

Clemson coach Dabo Swinney raised eyebrows in recruiting circles on signing day of 2016 when he announced little-known safety Nolan Turner of Vestavia Hills, Alabama as part of the class.

Turner was the son of one of Swinney’s former Alabama teammates, and to many it appeared he was just doing the family a favor. Well, Turner returned that favor many times over totaling 192 tackles and seven interceptions in his career.

Swinney has gone back to the Turner family for another off-the-radar addition, this time wide receiver Cole Turner. The younger Turner (6-2, 180) made his official visit with the Tigers over the weekend and announced his commitment on Sunday.

His only other offer was from Buffalo. But he’s athletic and fast, reportedly 4.42 seconds in the 40-yard dash, and that attracted strong attention from receivers coach Tyler Grisham.

“He kind of told me he sees me playing anywhere on the field,” Turner said earlier this month after getting his offer from Clemson. “Playing at multiple different places. He can move me around a little bit. I am more of a speed receiver and a deep threat. I can do anything and be whatever they need to be.”

Of course, Turner is very familiar with Clemson the program and Clemson the school. It didn’t take much to convince him this was the route he needed to run.

“It’s a great place,” he said. “The big thing for me is that it is a place that feels like home, and Clemson has that feel to it.”

During the 2021 season, Turner had 42 catches for 581 yards and seven receiving touchdowns. He also recorded a punt return for a touchdown, a kickoff return for a touchdown, and had two passing touchdowns (on double passes).

He’s the third receiver in the Tigers’ 2022 class. The Tigers loss veteran Justyn Ross to the NFL Draft and other wideouts Ajou Ajou and Frank Ladson to the transfer portal.

Cornerback Myles Oliver (6-1, 170) of Douglasville, Georgia had a big weekend at Clemson.

He arrived on Friday for his official visit without an offer. He got that offer on Saturday. And on Sunday, before departing, he committed to head coach Dabo Swinney.

He gives the Tigers three in the 2022 class at cornerback, a position of need with both starters leaving for the NFL.

Unlike Andrew Booth and Mario Goodrich, Oliver was not highly listed on the board of top cornerbacks nationally. His other offers were from Georgia Tech, Charleston Southern and Bethune-Cookman. But that didn’t deter Clemson corners coach Mike Reed from going all-in for him.

“He’s been saying that he likes my speed, size and athleticism,” Oliver said. “It’s a good, winning program. That’s what I like about Clemson. I like how their defense sets up, and how coach Reed coaches the corners. He’s had a whole bunch of corners who have gone to the NFL.”

This season Oliver had 75 tackles with 5 interceptions on defense, and on offense, he had 552 all-purpose yards. He also scored four touchdowns.

This story was originally published January 16, 2022 2:21 PM.

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