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 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 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 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 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:

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 Mount Pleasant

Mount Pleasant residents show concern over potential rezoning

MOUNT PLEASANT, S.C. (WCSC) - The Mount Pleasant Planning Commission is set to vote on a rezoning request that could bring changes to a small neighborhood just off Highway 17.“Outside the neighborhood, it’s concrete and asphalt. We are surrounded by commercial Mount Pleasant,” says Chad McPeters, who lives in the neighborhood. “This is like a time capsule of Mt. Pleasant 50 years ago. This is one of the last little gems left in Mount Pleasant.”The small community neighbors call ‘Louise Terrac...

MOUNT PLEASANT, S.C. (WCSC) - The Mount Pleasant Planning Commission is set to vote on a rezoning request that could bring changes to a small neighborhood just off Highway 17.

“Outside the neighborhood, it’s concrete and asphalt. We are surrounded by commercial Mount Pleasant,” says Chad McPeters, who lives in the neighborhood. “This is like a time capsule of Mt. Pleasant 50 years ago. This is one of the last little gems left in Mount Pleasant.”

The small community neighbors call ‘Louise Terrace’ is surrounded by commercial development and high-density apartment buildings. The rezoning request on the Planning Commission’s agenda is to rezone part of the Louise Terrace to a Townhouse District, potentially allowing for townhouses to be right next to and across from houses over half a century old.

While the request does not directly affect McPeters’ house, his concern transcends the rezoning vote at Wednesday’s Planning Commission meeting.

McPeters says his fear is high-density developments changing the character of the neighborhood, potentially bringing in more traffic and fitting new infrastructure in a small neighborhood that neighbors say is already experiencing issues like flooding.

While he is not against development, McPeters says a vote to change the zoning in a small neighborhood is only “putting a foot in the door for bigger, high-density development.”

“Growth is a great thing until it’s unregulated, unsupported and unsustainable, and then it becomes a cancer,” McPeters says.

The decades-old neighborhood is still in the very early stages of seeing any potential for development, in fact, a rezoning request is just the very beginning, which is why several residents plan to attend the Planning Commission meeting.

“You can see right now, there’s no high-density houses here right now,” McPeters says. “There are no giant developments. It’s all single-family houses, and that’s the way we want it to stay. I’d just like to ask them to say no to the rezoning.”

Wednesday’s vote covers only one property in the small neighborhood, but the commission says votes on other properties are “forthcoming.”

Other area residents say they are open to the potential for change, and that rezoning and development are inevitable in a fast-growing city like Mt. Pleasant.

The Mount Pleasant Planning Commission meeting is set for Wednesday at 5 p.m. You can find the full meeting agenda here.

Copyright 2022 WCSC. All rights reserved.

Home Team BBQ takes over empty Mount Pleasant space

One of Charleston’s most popular barbecue restaurants is expanding into north Mount Pleasant.Home Team BBQ will open a new location in the former Rusty Rudder restaurant at 3563 N. U.S. Highway 17, directly across the highway from Wando High School.The eatery has three more local locations in downtown Charlesto...

One of Charleston’s most popular barbecue restaurants is expanding into north Mount Pleasant.

Home Team BBQ will open a new location in the former Rusty Rudder restaurant at 3563 N. U.S. Highway 17, directly across the highway from Wando High School.

The eatery has three more local locations in downtown Charleston, West Ashley and Sullivan’s Island.

After six years, The Rusty Rudder announced on social media it was closing its doors in March 2020, leaving the location vacant.

The Home Team BBQ group plans to rehab and rejuvenate the modest wooden building to bring their smoked meats, full restaurant and bar in 2022.

Aaron Siegel, chief operation partner and pitmaster, said the location “feels like a Home Team to us. We love rehabbing an old school spot, and this place already has the feel of a fish shack or barbecue shop.”

The renovation will be designed by Jenny Keenan Design, McGinnis Leathers and the four operating partners: Aaron Siegel, Taylor Garrigan, Sean Daniher and Tony McKie.

The company worked with long-time real estate partner Peninsula Development to find its fourth Lowcountry space. Upon Rusty Rudder closing, Peninsula purchased the property in 2020.

At the future Mount Pleasant Home Team, the company said guests can “expect to find the same good vibes, multi-regional barbecue, creative daily specials and extensive bar program folks have come to know and love.”

A large outdoor space will serve as an open-air courtyard at the new location, with plenty of television screens for game day and space for socializing.

In keeping with other Charleston-area locations, Siegel said the Mount Pleasant restaurant is expected to hold regular events, including live music, oyster roasts, pig pickings and more. The new location will offer a family-friendly atmosphere for the nearby north Mount Pleasant neighborhoods — and is also in proximity to Roper St. Francis Hospital.

Since 2006, Home Team BBQ has built a thriving business with a collection of restaurants in the Charleston area, as well as outpost locations in Columbia, Greenville, and Aspen, Colo. Home Team BBQ has been featured in several national publications, including Travel + Leisure, Esquire, USA Today, Southern Living and Food & Wine.

Home Team BBQ specializes in slow-cooked meats, multi-regional barbecue platters and sandwiches that include pulled pork, pulled chicken, chopped brisket and ribs, along with sides, smoked chicken wings and a full-bar program with frozen cocktails and a variety of craft beers curated by beverage director and director of operations Adam Rothstein.

Some families having trouble claiming free, at-home COVID-19 tests

MOUNT PLEASANT, S.C. (WCBD) – The plan to send free, at-home COVID-19 tests through the U.S. Postal Service (USPS) launched on the web Tuesday.- While many have already claimed their free tests, some people are running into issues trying to claim theirs.Getting your free at-home COVID-19 tests is not as easy as expected. An error message stating “At-home COVID-19 tests have already been ordered for this address” has left many looking to obtain their free tests confused.Arlene Clark, who plans to claim her free...

MOUNT PLEASANT, S.C. (WCBD) – The plan to send free, at-home COVID-19 tests through the U.S. Postal Service (USPS) launched on the web Tuesday.- While many have already claimed their free tests, some people are running into issues trying to claim theirs.

Getting your free at-home COVID-19 tests is not as easy as expected. An error message stating “At-home COVID-19 tests have already been ordered for this address” has left many looking to obtain their free tests confused.

Arlene Clark, who plans to claim her free tests soon, says she’d like to have the at-home tests just in case.

“I don’t feel like it’s important for me to have it now,” Clark said. “I don’t run to get tested. I think if I ever had the symptoms of COVID, I’d like it, you know, to be convenient.”

She hasn’t run into issues obtaining her test yet, but she says she’s heard about the problem and thinks it’s because the program is so new.

“I think it’s too soon,” she said. “I don’t know anyone that’s gotten it yet. The only one I know that has even sent for it is my brother in New York. So, I just think it’s going to take a while for people to start thinking about getting it.”

Officials say the program is limited to four tests per residential address, meaning those living in apartments, duplexes and other multi-unit homes may run into problems.

USPS says if you come across the error message, you should make sure someone in your household didn’t already claim your tests.

If no one has, USPS encourages you to file a service request on their website, or get tested at a nearby testing site.

Clark says she’s just happy that the option to claim four free at-home COVID tests is available.

“So, I would probably get it and hold onto it until I think I need it,” she said.

White house officials say it will be several weeks before the free tests are shipped to homes.

At-home test kits will hopefully relieve pressure, says Lowcountry pharmacy owner

MOUNT PLEASANT, S.C. (WCIV) — The Biden Administration has officially rolled out a website where individuals can order free at-home COVID 19 test kits. There is a limit of four per household.This comes as test kits are in high demand. It seems as soon as pharmacies get them in, they're swiped off the shelves.We asked Dr. Kay Durst of Roper St. Francis if she thinks these kits are reliable. "Yes I think they are," she said....

MOUNT PLEASANT, S.C. (WCIV) — The Biden Administration has officially rolled out a website where individuals can order free at-home COVID 19 test kits. There is a limit of four per household.

This comes as test kits are in high demand. It seems as soon as pharmacies get them in, they're swiped off the shelves.

We asked Dr. Kay Durst of Roper St. Francis if she thinks these kits are reliable. "Yes I think they are," she said.

Watch ABC News 4 live at 6 p.m. in the player below or at abcnews4.com/watch.

She believes at-home tests provided by the government are a trusty tool if used correctly.

"Whatever test you get, if it’s one they’re mailing or you’re picking up, read the directions," said Dr. Durst. "They’re all pretty different."

She says if you're having symptoms, test. If you've been exposed and have no symptoms, wait five days before you do.

"I wish we could get more than four per household, because a lot of people have several people," said Dr. Durst.

"Four per household is not a whole lot, let’s be honest," said Cynthia Feldman, founder and CEO of Sweetgrass Pharmacy. "If you have a household of more than four, certainly you need more than that."

She orders at least 300 at a time for her pharmacy and sells out in a day.

"As far as the over-the-counter testing kits, as soon as they became available for us to order they were flying off the shelves," Feldman explained.

As soon as you call Sweetgrass Pharmacy, you'll hear a voicemail saying they're all out of COVID test kits right now.

"We were receiving upward of 200 phone calls a day asking if we had test kits," Feldman said. "It took a huge strain on our staff just to the calls so that’s why we put that out there."

She's hopeful the free government kits will take some of the pressure off pharmacies.

Feldman adds if you're currently having COVID 19 symptoms, you'll need to go to a doctor or buy an at-home test kit from a pharmacy.

The ones provided by the government are not expected to ship for at least seven to 12 days.

Patriots Point now offering free admission to low-income families

Admission at Patriots Point Naval & Maritime Museum in Mount Pleasant is now free for families who receive food assistance.The maritime museum has become a member of Museums for All, a national program that allows families who participate in the Supplemental Nutrition Assistance Program (SNAP) to gain free access to all kinds of museums across the country.As of Jan. 19, a family who receives SNAP benefits can get free general admission for up to four people at Patriots Point.To receive the free admission offer, famil...

Admission at Patriots Point Naval & Maritime Museum in Mount Pleasant is now free for families who receive food assistance.

The maritime museum has become a member of Museums for All, a national program that allows families who participate in the Supplemental Nutrition Assistance Program (SNAP) to gain free access to all kinds of museums across the country.

As of Jan. 19, a family who receives SNAP benefits can get free general admission for up to four people at Patriots Point.

To receive the free admission offer, families will need to present an Electronic Benefits Transfer, or EBT, card at the ticket window.

Museums for All is an initiative of the Institute of Museum and Library Services in Washington, D.C. On its website, the program’s goal is described as encouraging “individuals of all backgrounds to visit museums regularly and build lifelong museum habits.”

Admission at participating museums can range from free to $3.00.

Any kind of museum can join the program, including children’s museums, zoos and aquariums, history museums and science centers. About 800 museums in the U.S. offer reduced or free admission through Museums for All, including 16 others in South Carolina, along with Patriots Point.

The state-owned Mount Pleasant museum is the third in the Lowcountry that’s joined the program. The Children’s Museum of the Lowcountry and the Halsey Institute of Contemporary Art at the College of Charleston are listed members of Museums for All.

Other participating museums in the Palmetto State include the Columbia Museum of Art, the Children’s Museum of the Upstate and the EdVenture Children’s Museums in Columbia and Myrtle Beach.

Patriots Point’s executive director, Rorie Cartier, said that making the museum “more accessible” will allow Patriots Point to have a “lifelong positive impact on the community.”

“Every child should have the chance to come aboard our historic ships regardless of their family’s financial situation,” Cartier said in an announcement about the program.

Cartier took the helm at Patriots Point last summer. At the time, he told The Post and Courier that expanding the audience at the museum was one of his top priorities. He spoke about reaching more people in terms of all kinds of demographics, including age, race, gender, interests and connections, or lack thereof, to the military.

Admission at Patriots Point is $27 for adults, $19 for seniors, $16 for children ages 6-11 and free for all children under age 6.

Discounts are offered to first responders, veterans and active duty and retired military with ID.

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