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.
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 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:
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 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 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 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
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 Mount Pleasant, SC
Mount Pleasant neighbors voice opposition to possible I-526 changes
MOUNT PLEASANT, S.C. (WCBD)- Neighbors from Belle Hall, Grassy Creek and Tidal Walk are in opposition to all six of the possible plans to redesign the Long Point Road and Interstate 526 interchange.Concerns were voiced on Tuesday at Mount Pleasant Town Hall with Mayor Will Haynie and councilmembers present.“One of the major concerns with all the alternatives is that it closes off Belle Hall Parkway as an entrance to over 1,200 homes,” said Daniel Senden, a Grassy Creek Neighbor. “Closing (Belle Hall Parkway) o...
MOUNT PLEASANT, S.C. (WCBD)- Neighbors from Belle Hall, Grassy Creek and Tidal Walk are in opposition to all six of the possible plans to redesign the Long Point Road and Interstate 526 interchange.
Concerns were voiced on Tuesday at Mount Pleasant Town Hall with Mayor Will Haynie and councilmembers present.
“One of the major concerns with all the alternatives is that it closes off Belle Hall Parkway as an entrance to over 1,200 homes,” said Daniel Senden, a Grassy Creek Neighbor. “Closing (Belle Hall Parkway) off would exacerbate that problem by creating more traffic in other avenues that would cause a sincere safety concern for every resident.”
Neighbors don’t want some of the options to be approved because the construction of a flyover bridge will harm their communities. A handful of homes would have to be demolished if the flyover is built.
“Alternatives 2 and 6 also have a flyover bridge, a new interchange on I-526 in Mount Pleasant,” said Senden. “Putting that interchange directly in front of our neighborhood will be a major safety concern for us.”
The South Carolina Department of Transportation (SCDOT) is collecting and listening to feedback from neighbors about the plan. SCDOT says that they will draw up new plans if needed.
“We probably wouldn’t add new alternatives unless something comes to light that we haven’t looked at before. But, we would refine them at this point to make them better and address the communities concerns,” said Joy Riley, the Project Director for SCDOT.
The State Ports Authority (SPA) uses the interchange for trucks to drive into the Wando Welch Terminal every day and is in favor of helping the traffic congestion.
“Having a dedicated road between I-526 and Wando Welch Terminal would provide direct access for container trucks carrying cargo. This would enhance safety and traffic fluidity for both the port and the community by having a large majority of truck traffic separated from residential traffic,” said Kelsi Brewer, an SPA spokesperson.
Neighbors like Angie Anderson are in favor of options like those being considered before redesigning the whole interchange.
“There’s stages that I think need to be looked at instead of pushing all these alternatives and all this money spent right off the bat without knowing if they’re effective,” said Anderson.
Councilmember Gary Santos thinks that the SPA could help the issue by using more barges instead of trucks to transport cargo from one terminal to another.
“When you have cargo that’s going to a certain port that doesn’t have to leave out of Charleston you’d put them on barges and send them over to North Charleston where they can load them out of ships there and go out of there. If you have ships calling at the Wando terminal then they can put that cargo on barges in North Charleston and send those over,” said Santos.
Neighbors along Long Point Road are staying positive while the SCDOT continues to sift through public comments.
“We want to continue to meet with the SCDOT. We want to continue to meet with the town and really work on a solution that benefits everybody,” said Senden.
The hope of Riley and her team is to have a public hearing in a year to decide what the plan is for construction.
Real estate developer breaks ground on $300 million Patriots Point project
Developers estimate initial construction and submitting of remaining plans will start in fall 2023.MOUNT PLEASANT, S.C. (WCSC) - The Patriots Point Development Authority Board and Bennett Hospitality hosted a groundbreaking ceremony Thursday to mark the start of a five-phase, 15-year development project.The Patriots Annex project is a $300 million development that will include three hotels, restaurants, entertainment, shops, three office buildings, parks and an amphitheater. Developers estimate initial construction and submitti...
Developers estimate initial construction and submitting of remaining plans will start in fall 2023.
MOUNT PLEASANT, S.C. (WCSC) - The Patriots Point Development Authority Board and Bennett Hospitality hosted a groundbreaking ceremony Thursday to mark the start of a five-phase, 15-year development project.
The Patriots Annex project is a $300 million development that will include three hotels, restaurants, entertainment, shops, three office buildings, parks and an amphitheater. Developers estimate initial construction and submitting of remaining plans will start in fall 2023.
The project was approved five years ago by state supervisors. After the initial approval, Michael Bennett of Bennett Hospitality and his team began planning the development.
“I’m born and raised in Charleston and when Patriots Point presented the opportunity for me to help develop this property, just as a personal Charlestonian, I was very, very excited to think I could do something that was beautiful, and also help Patriots Point,” Bennett said. “It was a very natural fit for me.”
The largest hotel, the Grand Patriot, will sit towards the back of the property at 250 rooms. The other two hotels will have 100 to 150 rooms.
Gov. Henry McMaster was also at the groundbreaking alongside other state and Lowcountry government officials.
“This project is going to be wonderful [at] the Patriots Point Naval and US Maritime Museum,” McMaster said. “We’re going up. Tourism is a $24 billion business in South Carolina. So that is why we’re thriving. And I promise you, we’re going to keep on thriving.”
Bennett and McMaster said the development will establish hundreds of jobs and millions of dollars in revenue. By using the land near the USS Yorktown, the money will help maintain the ships and aircraft located on Patriots Point.
“It is going to be a huge economic impact for not only Mount Pleasant, but for the entire Lowcountry in the state of South Carolina,” Bennett said. “There will be hundreds and hundreds of jobs that will afford local people to be able to work here and as well as welcomed visitors to come here.”
The first step in construction is to move the visitor parking lot due to much of the proposed development being built on that land. A new parking lot will be moved to accommodate visitors and tourists.
The project will take about 15 years with five phases to complete.
Copyright 2022 WCSC. All rights reserved.
Mt. Pleasant firefighter scales USS Yorktown to propose to girlfriend
MOUNT PLEASANT, S.C. (WCIV) — The season of joy and celebration is taking on new meaning for one Mount Pleasant firefighter.Nick Putskey proposed to his girlfriend, Katey Young, a teacher at Westview Primary Elementary, Thursday afternoon surrounded by family and friends atop the USS Yorktown.“We’ve been on the same page since day one,” Young said when asked about meeting Putskey. “It’s the true fairytale.”The proposal was somewhat of a fairytale, as well.“My battali...
MOUNT PLEASANT, S.C. (WCIV) — The season of joy and celebration is taking on new meaning for one Mount Pleasant firefighter.
Nick Putskey proposed to his girlfriend, Katey Young, a teacher at Westview Primary Elementary, Thursday afternoon surrounded by family and friends atop the USS Yorktown.
“We’ve been on the same page since day one,” Young said when asked about meeting Putskey. “It’s the true fairytale.”
The proposal was somewhat of a fairytale, as well.
“My battalion chief was actually the masterplan of the whole idea,” Putskey said. “He said, ‘what do you have as an idea as far as an engagement?’ He was just like, ‘well, hear me out, see if you like this’ and I was like ‘yeah, that sounds awesome.’”
The plan was to scale the USS Yorktown, a nod to Putskey’s time spent in the Navy, as well as both of Young’s grandfathers.
The perfect front? Claim it as fire station training.
“We had ‘high-rise training,’ if you will,” Putskey said. “So that’s where climbing the ladder came into play.”
Young’s family was also in on the plan.
“It was actually under the guise as Santa for all of the grandkids,” Young explained. “We were going to take a picture with Santa. He was supposed to be flying in on the Yorktown.”
There was no Saint Nick in sight, but Nick Putskey had the ultimate present in hand.
“I was clueless until he got down on one knee and I was like, ‘what are you doing?’” Young said. “I did say yes, it just took a second because I was like, ‘I thought Santa was supposed to be here, and he was like ‘no!’”
Putskey and Young admit emotions were high, and for Putskey, there were plenty of nerves.
“I’m afraid of heights, so climbing a ladder was not fun,” Putskey said. “My foot actually slipped though the ladder because I was just getting so nervous.”
But the mission was a success.
“It couldn’t have gone any better,” Young said. “It was a really special moment, for sure.”
Putskey said it was a moment made possible by the bond of brotherhood.
“They were exactly how I wanted them to be,” Putskey said. “They were just like my extended family and I’m really grateful for that. It is truly the brotherhood of the fire service.”
Town’s recent hire tasked with bringing more jobs, housing to Mount Pleasant
It’s no secret that business is booming in Mount Pleasant, with ribbon-cutting and groundbreaking ceremonies happening left and right. The Town of Mount Pleasant recently hired Matt Brady as the new economic development manager at the start of November. It will be his responsibility to support business growth and development in the town.Brady is the first and only person in the municipality focused solely on economic development, a role that was previously the job of several town staff members, with no one dedicated to the job f...
It’s no secret that business is booming in Mount Pleasant, with ribbon-cutting and groundbreaking ceremonies happening left and right. The Town of Mount Pleasant recently hired Matt Brady as the new economic development manager at the start of November. It will be his responsibility to support business growth and development in the town.
Brady is the first and only person in the municipality focused solely on economic development, a role that was previously the job of several town staff members, with no one dedicated to the job full-time. Before this role, he worked as the economic development director for the City of Goose Creek for five years and was the first person to serve the city in that role, too.
“With Matt and his talent working this strategy every day, we hope that it’s going to make Mount Pleasant an even more dynamic place to live and do business,” said Mount Pleasant Town Administrator Eric DeMoura. “The business community is of extreme importance to us and we want to do everything we can to support it.”
Brady will be responsible for implementing the key needs of the town as identified by the economic development strategy, developed by third-party consulting firm SB Friedman earlier this year.
At the top of the list was attainable housing, and attracting and attaining good, high-paying jobs. According to the economic development strategy, only 26% of town residents work within Mount Pleasant.
“One of the simplest definitions of economic development is wealth creation distributed equitably. That’s what we want to do. It’s a cliché, but a ‘rising tide lifts all boats,’” Brady said. “We want people who have to leave town to work their job to be able to slash the commute and work at a wonderful, good-paying, good benefits firm right here in town.”
The undeveloped Faison Road property, purchased by the Town for roughly $6.5 million in 2021, has been at the center of the attainable housing question. A handful of firms submitted plans for the property in September, a majority of them including plans for attainable housing units. Brady will be the town’s “chief representative” in selecting a group or firm to develop the property, DeMoura said.
The project has not yet been awarded to a firm, though three firms presented their proposals to the council in a special town council meeting on Nov. 1. Brady, who serves on a technical committee for the Charleston Metro Chamber of Commerce’s attainable housing coalition, said that attainable housing isn’t an issue exclusive to Mount Pleasant.
“Attainable housing is a question that is kind of swirling around the entire region,” Brady said. “Being able to support your workforce in that way is an important component of economic development and it will continue to be a very important part of economic development.”
A major part of Brady’s job will be attracting high-paying jobs to Mount Pleasant, as well as being a resource for already-established businesses in the town. The economic development strategy targets jobs in the informational technology (IT) and life sciences sector as desirable industries to bring to Mount Pleasant. Brady said he also wants to focus on entrepreneurship and innovation.
“I think it’s important to recognize that we have a lot of great businesses that are in town already. We truly appreciate them, and the Town is here as a resource for them as well. That goes for small businesses up to large firms that have hundreds of employees. We want to do everything we can to help them grow and expand their presence in Mount Pleasant,” Brady said.
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Mount Pleasant voters asked to approve property tax increase for parks, recreation
MOUNT PLEASANT — It’s been more than a decade since the town bought more than 120 acres for a future park. Now, voters are being asked to approve a property tax increase to make that park a reality.Most of the $50 million Mount Pleasant would borrow, if the park tax referendum were to pass in a town-wide vote Nov. 8, would be used to develop the site on Rifle Range Road, with an estimated $10 million going to other recreation projects.The town’s property tax would rise by 10 percent to pay off the borrowed mon...
MOUNT PLEASANT — It’s been more than a decade since the town bought more than 120 acres for a future park. Now, voters are being asked to approve a property tax increase to make that park a reality.
Most of the $50 million Mount Pleasant would borrow, if the park tax referendum were to pass in a town-wide vote Nov. 8, would be used to develop the site on Rifle Range Road, with an estimated $10 million going to other recreation projects.
The town’s property tax would rise by 10 percent to pay off the borrowed money plus interest. When the debt is paid off after 15 years the extra tax would end, according to advocates, although the referendum does not mention a time limit.
The impact on total property tax bills would be much smaller than a 10 percent increase because the town accounts for just a portion of those annual bills and the school district gets the largest share.
Most Town Council members — seven of nine — supported putting the referendum on the ballot and some are actively working to see it passed.
“We’re trying to create something for this generation and the next,” Councilman John Iacofano said. “I think it’s going to be tight, but I think it’s going to pass.”
Mayor Will Haynie and Councilwoman Brenda Corley are opposed.
“In bad economic times, not everyone can afford this,” said Haynie. “I’m out there letting people know why they ought to vote no.”
He said the town should rely on impact fees that apply to new home construction to fund growth-related needs for recreation projects. The most those fees could raise would be $1.68 million yearly by Haynie’s estimate and wouldn’t allow the town to borrow tens of millions to put plans in action.
“If the referendum is successful, we can begin building immediately,” Iacofano and Councilwoman G.M. Whitley wrote, urging support for the ballot question.
Plans for the park site include four large playing fields, tennis and pickleball courts, playgrounds, fishing piers, a disc golf course, trails, volleyball and basketball courts, a performance space and a multipurpose building.
“It will be the Central Park of Mount Pleasant,” then-Mayor Billy Swails said in 2010, when the town and county agreed to spend $20 million to buy the land.
Iacofano said that if the town had raised its property tax then, the town would have a park by now.
“I don’t know that people truly understand how inexpensive our taxes are in Mount Pleasant, considering the services received,” he said.
The referendum would put an estimated $40 million toward building the park. The remaining 20 percent of the money would go to renovations of the Park West pool building, improvements at the Mugsy Kerr tennis complex on Whipple Road, and bike/pedestrian trails. If any money is left, the town could use that to fund green space preservation.
So, just how much would taxes increase if the referendum were to pass?
The impact on any particular taxpayer would vary, because the property tax is based on the assessed value of real estate and vehicles. Even next-door homeowners with identical houses could see very different results, depending when they purchased their homes and what vehicles sit in the driveways.
For an owner-occupant with a house valued at $500,000 for tax purposes, passage of the referendum would mean an extra $80, plus the added tax on any vehicles.
If that same house were a rental property, the extra tax would be $120, because commercial properties are taxed at a 50 percent higher rate. Large businesses would see the greatest tax difference.
The last time the town put a recreation referendum on the ballot, in 2015, it was narrowly defeated. The town has planned to develop the park site since it was purchased in 2010, but has not developed a funding plan.
The town’s property is half the 245-acre site that was jointly purchased with Charleston County Parks and Recreation. The town’s portion is planned for more active recreation, with playing fields, pickleball courts and other amenities.
Some people, including Corley, have come to see the town-owned land as green space that should not be developed. In voting against holding a referendum, Corley expressed concern about the impact on wildlife.
Recreation advocates argue that the town has far too few playing fields to handle the current demand, and say most of the jointly owned site would remain undeveloped in any case.
A group called Vote for Parks — Mount Pleasant has put up a website (voteparks.org) advocating for the referendum. There appears to be no organized opposition, but a big hurdle for supporters will be overcoming the history of town voters opposing property tax increases, including the 2015 park referendum and the 2020 Charleston County affordable housing referendum.
Daniel Brownstein, who ran unsuccessfully for a seat in the statehouse against Joe Bustos in 2020, is representing that group. He said it’s being funded by “local citizens who want to ensure that children and adults have adequate parks and recreational amenities.”