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

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Medicare Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant

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 Mount Pleasant, 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 Mount Pleasant 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant. 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, SC

Lawsuits: Mold, ventilation problems and structural issues at new townhomes in Mount Pleasant

MOUNT PLEASANT, S.C. (WCSC) - What should have been a new chapter in their lives has turned into a nightmare for some Mount Pleasant homeowners. Mold, ventilation problems and structural issues are just some of the complaints listed in lawsuits filed against the builder and HVAC contractor.The Midtown Townhomes by Lennar are one of the newer builds in Mount Pleasant. It’s located off of Hungry Neck Boulevard and they’re listed as luxury townhomes. From the outside, many would think it’s true but neighbors say things ...

MOUNT PLEASANT, S.C. (WCSC) - What should have been a new chapter in their lives has turned into a nightmare for some Mount Pleasant homeowners. Mold, ventilation problems and structural issues are just some of the complaints listed in lawsuits filed against the builder and HVAC contractor.

The Midtown Townhomes by Lennar are one of the newer builds in Mount Pleasant. It’s located off of Hungry Neck Boulevard and they’re listed as luxury townhomes. From the outside, many would think it’s true but neighbors say things have gone wrong.

“I started looking around, I mean opening closets, and I was just like ‘Oh my God,’” Kim Conway, who bought her townhome in 2020, says.

Conway says she was gone last summer for about six weeks. But when she came back, there was mold on every floor.

“My furniture, my bed, my mattress… everything was damp when I came home,” Conway says. “Like my sheets were wet. Everything was wet. And I lived in here for four days like this. And my furniture, these chairs… they had to come in and clean every piece of furniture. Everything. There was nothing left in this house.”

Conway says she had to move into a hotel while Lennar cleaned it up. According to documents from her attorney, it cost about $14,000.

She’s not the only one dealing with issues.

“I need to have the air conditioner work properly so that there’s not too much humidity in the house and it won’t blow constantly,” Karen Tinsley, who bought her townhome in 2021, says. “I think the unit is not the correct type of unit. I have a sink in the kitchen that’s cracked from the factory. I have a water heater that I’ve replaced because the plumber said that it was too small for my unit.”

Tinsley says she’s had problems since day one.

“My oven didn’t work properly. I have a gas stove and it was flickering so they had to go in the attic and make a bigger line for that. And I’ve had cracking of brick on the outside. There’s all kinds of wall problems upstairs. I have a bowed out floorboard and someone came in and said, ‘well we’re going to have to take out the wall because the plate and the wall isn’t attached to the sheetrock.’ So that means they’re going to have to come in and tear out the wall and fix that.

Tinsley says of the laundry list of items she has sent to Lennar to fix only about 25 percent has been done. And she’s wary if they’re actually done correctly. She says the most concerning thing to her, though, is the cracking bricks.

“I have these dreams where that my entire house is falling down from the outside and everything inside is all going to just fall down,” Tinsley says. “It’s like how scary is that? That’s what I’m stressed out about.”

All in all – neighbors just want their new homes fixed and for Lennar and the other companies to own up to the problems. That’s why they filed the lawsuits.

As of Thursday, the lawsuit against the HVAC company, Fogel Services, is pending in Charleston County. A federal court dismissed the lawsuit against Lennar for procedural reasons, but a motion for reconsideration of that dismissal is currently pending. Neither company has responded for a request for comment as of Thursday.

“I think Lennar should accept what they’ve done and they know they’ve messed up these buildings,” Conway adds. “They should fix them. They should be responsible and just fix them. And learn how to build.”

They’re also offering some advice to home buyers.

“I would say don’t rush into buying anything get an inspector,” Tinsley says. “Maybe get two inspectors. Get some advice from other people to go in and look at the history of the place. Don’t rush into a brand new construction because they’re taking shortcuts these days to sell.”

This isn’t the first lawsuit against Lennar. There are more than a dozen listed in Charleston County alone listed on the court’s website dating back more than a decade alleging similar problems.

Copyright 2022 WCSC. All rights reserved.

Neighbors win re-zone overdevelopment fight in Mt. Pleasant

MOUNT PLEASANT, S.C. (WCSC) - The Shemwood One neighborhood in Mt. Pleasant is celebrating a re-zoning win against overdevelopment. Their motto is keeping the Lowcountry land low-density.The group showed up with dozens of people wearing red to a planning commission meeting to stop a re-zone that would change land next to theirs from low density to medium density.Those neighbors say they aren’t against a developer building a few more homes next to their homes over on Russell Drive off of Coleman Boulevard, but they don&rsq...

MOUNT PLEASANT, S.C. (WCSC) - The Shemwood One neighborhood in Mt. Pleasant is celebrating a re-zoning win against overdevelopment. Their motto is keeping the Lowcountry land low-density.

The group showed up with dozens of people wearing red to a planning commission meeting to stop a re-zone that would change land next to theirs from low density to medium density.

Those neighbors say they aren’t against a developer building a few more homes next to their homes over on Russell Drive off of Coleman Boulevard, but they don’t want the land re-zoned to allow too many houses.

They say they live in Mt. Pleasant because it’s different and want to protect the feel of the town.

“In order for Mt. Pleasant to remain different growth has got to be controlled. We don’t want to continue changing low-density to turn our town into a big city. I think our collection of 10 to 15 pages of signatures against this rezoning speaks volumes to how we all feel,” says Angela Bridgefield, a Shemwood One Resident.

Neighbors cited traffic, a nearby school where kids walk and ride bikes, drainage, and the natural land as reasons to stop the re-zone.

The city did note at least three historic trees on the property that would have to be protected.

“That’s part of our scenery. I sit out on my back porch at night, I listen to the frogs, I listen to the crickets, I sit under those oak trees, and to do this rezoning would change the dynamic of my entire backyard,” says Karen Campbell, a Shemwood One Resident.

Despite developers saying they would work around trees, neighbors say there’s no need to re-zone the land.

The current low-density would allow for 17 houses to be built. The re-zone to medium-density could allow between 20 and 24. The commission agreed with the people in Shemwood One neighborhood.

Commissioner Kathy Smith initiated a motion to deny saying in terms of development, she wants to listen to the people already in the area.

“I think we have an obligation to existing homeowners whenever we’re dealing with a project to do it in a way that’s really sensitive to the people that are already living there, to protect their property values, to protect their quality of life,” says Smith.

Commission Member Gary Davis seconded her motion.

“Mt. Pleasant is getting overdeveloped right now. I think if the owner of this property wants to come back with an alternate plan… more acceptable to the people who live in the area that will not infringe on the quality of life, then they can come back to the board again,” says Davis.

The entire board voted to deny the re-zone. Neighbors left the meeting feeling relieved and open to the idea of developing some houses on the land with the zoning as is.

Copyright 2022 WCSC. All rights reserved.

New Mount Pleasant public gathering space raising concern

MOUNT PLEASANT, S.C. (WCSC) - Mount Pleasant leaders are set to discuss the design of a new food, entertainment and public gathering space coming to the town Wednesday night.The space is called Gather Mount Pleasant and it is set to be on Midtown Avenue right across from MUSC Midtown in Mount Pleasant and off of Hungry Neck Boulevard. It is set to be a project that could have an economic impact of more than $30 million. The plans for Gather Mount Pleasant include a unique indoor/outdoor area with different food options, local small bu...

MOUNT PLEASANT, S.C. (WCSC) - Mount Pleasant leaders are set to discuss the design of a new food, entertainment and public gathering space coming to the town Wednesday night.

The space is called Gather Mount Pleasant and it is set to be on Midtown Avenue right across from MUSC Midtown in Mount Pleasant and off of Hungry Neck Boulevard. It is set to be a project that could have an economic impact of more than $30 million. The plans for Gather Mount Pleasant include a unique indoor/outdoor area with different food options, local small businesses, and shops with local crafts.

“An amazing place to be in community with family, friends, co-workers and strangers,” Mack Cross, with Four Oaks Property Group - the development company over the project, says.

Gather Mount Pleasant is modeled after Gather Greenville but this one is going to be much bigger.

“We’ll have complementary uses around it – small offices, small retail spaces, there will be a boutique hotel component here with 36-rooms and an event space,” Cross says.

The space is also going to be able to host live music. But, that’s something neighbors who live at Lennar at Midtown Townes aren’t happy with.

“How do you avoid that?” Tomi Dinkins, who lives at Lennar at Midtown Townes, says. “So you have your AC on maybe you have white noise on and then what do you do next? What’s the next step? Do you have to wear earplugs in your own house to avoid the noise that’s inevitable when you have a place that’s having three to five outdoor music festivals or events. You know, that many times a week. How do you how do you escape? Like, if I’m someone going to a concert? Awesome. I love a good concert, you know what I mean? But then I get to go home. The 72 people that live here, not only do we not want to go to your concerts that are in our front yard, but we also can’t escape them.”

“I want to feel confident in assuming that they didn’t fully know what was happening and how close it was to actual residences,” Dinkins says.

The developer says they have changed their plans a little to try and help with the noise.

“We shifted things further away from the Townhomes a little bit,” Cross says. “And the news right now is the changing noise ordinance in Mount Pleasant – whatever that ends up being when the project is operating is what we’ll comply with. It will be open-air – but the project will kind of frame the courtyard – we like to call it an outdoor room essentially in the middle of the project to a large courtyard. So the structure should help buffer that sound.”

Dinkins also brought up the concern of parking and traffic. Cross says their new plans include a parking lot for the facility.

Gather Mount Pleasant is expected to cost $30 million and the goal is to have it open by early 2024.

The Design Review Board Committee Meeting is set for 5 p.m. Wednesday. To see the proposal, click here.

Copyright 2022 WCSC. All rights reserved.

Mount Pleasant Towne Centre owner adds 6th Charleston-area asset with $17M retail purchase

MOUNT PLEASANT — The owner of Mount Pleasant Towne Centre has added a neighboring retail site to its growing portfolio of Charleston-area assets.Baltimore-based investment firm Continental Realty Corp. announced April 20 it paid $17 million for Sweetgrass Corner Shopping Center at 1909 Highway 17, near the Isle of Palms Connector.The 90,000-square-foot property is adjacent to the larger Belk-anchored Towne Centre, which Continental bought in 2020 for $147 million.Built on 10 acres in 1999, Sweetgrass Corner has 13 ...

MOUNT PLEASANT — The owner of Mount Pleasant Towne Centre has added a neighboring retail site to its growing portfolio of Charleston-area assets.

Baltimore-based investment firm Continental Realty Corp. announced April 20 it paid $17 million for Sweetgrass Corner Shopping Center at 1909 Highway 17, near the Isle of Palms Connector.

The 90,000-square-foot property is adjacent to the larger Belk-anchored Towne Centre, which Continental bought in 2020 for $147 million.

Built on 10 acres in 1999, Sweetgrass Corner has 13 tenants offering a mix of medical and personal care services, as well as sit-down and fast-casual restaurants.

Its former main tenant, a Bi-Lo grocery store, closed in 2019. The former supermarket space remains vacant

Among the current tenants are Crazy Mason Milkshake Bar, Charleston Sports Pub, Mario’s Peruvian Chicken,Tsunami Japanese Restaurant and ATI Physical Therapy.

“We have already been contacted by several anchor and junior anchor prospects with interest in backfilling the Bi-Lo box,” said Continental’s chief operating officer David Donato. “We will conduct a full marketing program and expect strong demand.”

The real estate firm bought Sweetgrass Corner in an off-market transaction from New Market Properties, an affiliate of Atlanta-based Preferred Apartment Communities Inc.

“Sweetgrass Corner presents a rare opportunity to own a large tract of commercial real estate in a rapidly expanding submarket where we continue to invest,” said Josh Dinstein, Continental’s senior vice president of acquisitions.

He cited a high barrier to entry for new retail developments in Mount Pleasant, which the company believes will increase the value of the newly acquired property.

“Our team expects to create value by upgrading the center over time and implementing a more cost-efficient property management strategy,” Dinstein said.

Continental CEO J.M. Schapiro said all of the company’s properties in the Charleston region have “performed above expectations” and the firm will continue “to aggressively target new assets” in what he called a climate-friendly, growing region with a continuous influx of newcomers and businesses.

The shopping center purchase is the sixth in the Lowcountry for the real estate firm.

In February, the company paid $55.5 million for 175 units in Sweetgrass Landing Apartments at 1100 Legends Club Drive in northern Mount Pleasant. That followed the $28.25 million acquisition the previous month of The Six Apartments, a 92-unit community at 2170 Snyder Circle, about a mile north of Sweetgrass Corner and Towne Centre.

In 2020, Continental bought the 313-unit Central Island Square Apartments on Daniel Island for $91.75 million.

The company also owns West Ashley Shoppes on Orleans Road across from Citadel Mall in West Ashley as well as two apartment communities in Greenville and Bluffton.

In all, Continental owns and manages more than 5 million square feet of commercial space as well as more than 9,000 apartment units in 10 states across the mid-Atlantic and Southeast.

Wednesday headlines: COVID cases rising again in South Carolina

South Carolina’s number of COVID-19 cases is rising again according to the latest weekly data released by the state Department of Health and Environmental Control (DHEC) on Tuesday. The agency reported 5,566 total new cases of COVID-19 — an increase over last week’s 4,458 cases – and 10 total new deaths, compared to last week’s four. More: Charleston...

South Carolina’s number of COVID-19 cases is rising again according to the latest weekly data released by the state Department of Health and Environmental Control (DHEC) on Tuesday. The agency reported 5,566 total new cases of COVID-19 — an increase over last week’s 4,458 cases – and 10 total new deaths, compared to last week’s four. More: Charleston City Paper, The Post and Courier, The New York Times

Meanwhile, gas prices continue to rise with the per-gallon cost going above $4 per gallon in each state for the first time, according to reports. More: The Washington Post, WCBD TV

In other headlines:

New York pastor looks to Emanuel 9 tragedy for inspiration in wake of Buffalo shooting. Rev. Kevin Coakley, the pastor of Durham Memorial AME Zion Church in Buffalo, New York, grew up in Mount Pleasant. He said the response to the Emanuel AME shooting in 2015 has been his guiding light on bringing the Buffalo community together in the wake of tragedy. More: WCSC TV, The New York Times, National Public Radio, The Washington Post

S.C. latest conservative state with transgender sports ban after McMaster signature. S.C. Gov. Henry McMaster quietly signed into law a bill that would ban transgender students from playing girls’ or women’s sports in public schools and colleges. More: Associated Press, The State

Lowcountry communities battle developers to protect historic family land. People in historic African-American communities in Mount Pleasant say their properties are under constant threat from outside developers who want land that has been in their families for hundreds of years. More: WCBD TV

Charleston City Council hears objections to King Street business improvement district. Some King Street business owners aren’t ready to get behind a plan to add an extra tax to commercial properties on one of the city’s most iconic thoroughfares. More: The Post and Courier, WCSC TV

To get dozens of South Carolina news stories every business day, contact the folks at SC Clips.

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