Senior Medicare Advantage plan insurance in Myrtle Beach, 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.
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 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 Myrtle Beach
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:
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.
Senior Medicare Advantage Plan Insurance in Myrtle Beach, 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 Myrtle Beach
‘They are all in on me’: Coveted tight end target Oscar Delp recaps Clemson visit
Tight end Oscar Delp of Cumming, Georgia made an unofficial visit to Clemson on Saturday for the S.C. State football game. It was his first visit to Death Valley for a game in many years, and it will be his last one there before he makes his decision sometime this fall.Delp (6-5, 220) has Clemson, Georgia, South Carolina and Michigan as his final four and plans to see at least the three Southern schools play in their stadiums this fall. H...
Tight end Oscar Delp of Cumming, Georgia made an unofficial visit to Clemson on Saturday for the S.C. State football game. It was his first visit to Death Valley for a game in many years, and it will be his last one there before he makes his decision sometime this fall.
Delp (6-5, 220) has Clemson, Georgia, South Carolina and Michigan as his final four and plans to see at least the three Southern schools play in their stadiums this fall. He checked off that box for Clemson on Saturday.
“I got to go on the field and hang out with some of the coaches and players and go in the locker room before and after the game,” Delp said. “It was a great environment. It was cool getting to experience Death Valley and the Tiger Walk and all that stuff. I had a good time. Definitely created new memories. It was really my first time since I was little being in Death Valley and going to games. It was really my first time getting the experience and take it all in.”
Delp said he also had conversations with head coach Dabo Swinney and tight ends coach Tony Elliott during the visit.
“They treated me awesome,” Delp said. “I talked with Coach Swinney a couple of different times, and Coach Elliott. I had a really good talk with all them, and they are just letting me know that I’m the guy they want, they are all in on me, and it’s my choice now. I had a private meeting with (Swinney) in the office before the game, and then I talked a bunch with him in the locker room after.”
As for what the visit did for Clemson and their chances for him, Delp was non-committal.
“They are still one of my top schools,” he said. “That’s just the first one (fall visit). I can’t really judge anything off it until I get to the other schools first. I think I need to get everywhere before I start ranking them.”
This weekend, Delp will be in Athens for the South Carolina vs. Georgia game. The following weekend is a non-recruiting weekend for him. Oct. 2 he will be in Columbia for the USC-Troy game. And it’s possible he’ll get to Michigan for a game if that can be worked out.
There is no timetable for a decision, he said.
FIRST ALERT: Tropical Storm Nicholas forms in Gulf, multiple areas of potential development in Atlantic
MYRTLE BEACH, SC (WMBF) - Tropical Storm Nicholas forms as multiple areas of potential tropical development remain across the Atlantic.Tropical Storm NicholasAt 10:00am, the center of Tropical Storm Nicholas was located by reconnaissance aircraft near latitude 20.5 North, longitude 94.8 West. Nicholas is moving toward the north-northwest near 13 mph, and this general motion is expected to continue through tonight. A slower northward or north-northeastward motion is forecast by late Monday or Monday night.On...
MYRTLE BEACH, SC (WMBF) - Tropical Storm Nicholas forms as multiple areas of potential tropical development remain across the Atlantic.
Tropical Storm Nicholas
At 10:00am, the center of Tropical Storm Nicholas was located by reconnaissance aircraft near latitude 20.5 North, longitude 94.8 West. Nicholas is moving toward the north-northwest near 13 mph, and this general motion is expected to continue through tonight. A slower northward or north-northeastward motion is forecast by late Monday or Monday night.
On the forecast track, the center of Nicholas will pass near or just offshore the the coasts of northeastern Mexico and South Texas late Monday, and approach the south or central Texas coast Monday night or early Tuesday. Data from an Air Force Reserve reconnaissance aircraft indicate that the maximum sustained winds are near 40 mph with higher gusts. Gradual strengthening is forecast while Nicholas approaches the northwestern Gulf coast during the next day or so. Tropical-storm-force winds extend outward up to 105 miles from the center. The estimated minimum central pressure is 1008 mb.
There’s a 50% (medium) chance of tropical formation over the next five days. An area of low pressure is expected to form north of the southeastern or central Bahamas in a few days resulting from a tropical wave interacting with an upper-level trough. Gradual development of this system is possible, and a tropical depression could form later this week several hundred miles southeast of the Carolinas while it moves northwestward across the western Atlantic.
There’s a 60% (medium) chance of tropical development over the next five days. Another tropical wave is forecast to move off the west coast of Africa in a couple of days. Gradual development of this system is possible thereafter, and a tropical depression could form by the middle of the week while it moves westward across the eastern tropical Atlantic Ocean.
Disorganized showers and a few thunderstorms continue in association with a tropical wave located near the Cabo Verde Islands. Environmental conditions are becoming less conducive for development, and the chances of tropical depression formation are decreasing while the system moves westward over the far eastern tropical Atlantic. By the middle of the week, stronger upper-level winds and marginally warm ocean temperatures are expected to limit additional development. This disturbance could bring locally heavy rain across the Cabo Verde Islands today.
Copyright 2021 WMBF. All rights reserved.
Five things we learned about Clemson in Tigers’ home win over SC State
Sixth-ranked Clemson’s home opener Saturday was much more pleasant than when the Tigers left Bank of America Stadium a week earlier in Charlotte.The group cleaned up some of its offensive miscues and scored 49 points with 504 total yards of production. The Tigers (1-1) won 49-3 over South Carolina State and extended their home-field winning streak to 29 games.Here five things we learned in Week 2:Whether it’s offense or defense, Clemson’s younger players continue to prove they belong and can contribute ...
Sixth-ranked Clemson’s home opener Saturday was much more pleasant than when the Tigers left Bank of America Stadium a week earlier in Charlotte.
The group cleaned up some of its offensive miscues and scored 49 points with 504 total yards of production. The Tigers (1-1) won 49-3 over South Carolina State and extended their home-field winning streak to 29 games.
Here five things we learned in Week 2:
Whether it’s offense or defense, Clemson’s younger players continue to prove they belong and can contribute right away. Eight of the team’s starters Saturday were freshmen or sophomores, including quarterback D.J. Uiagalelei. Freshmen Will Taylor and Will Shipley were major contributors to the special teams and offense. The Tigers’ three leading tacklers were redshirt sophomore Ruke Orhorhoro (5), freshman Jeremiah Trotter Jr. (5) and sophomore Kevin Swint (4).
“The more you play, the better you get. That’s how you develop,” Tigers defensive coordinator Brent Venables said. “It’s a developmental game, so that’s encouraging to see — one, for them to go out and not only play, but play pretty well. And then just building our team for the season, you know, continue to develop our depth.”
By the end of the game, 13 Tigers caught at least one pass. Justyn Ross was back to his usual form, recording a team-best 52 yards and a touchdown on three receptions. Joseph Ngata had a second consecutive solid outing with 51 yards on three receptions. E.J. Williams even gave it a go, opting out of surgery after injuring a thumb against Georgia. The sophomore started the game and caught a 10-yard pass.
Beaux Collins, Dacari Collins and Troy Stellato all had their first career catches with three, two and one, respectively.
Uiagalelei seemed more comfortable in front of his home crowd Saturday evening, playing a cleaner game this week. He completed 14 of 24 passes for 171 yards with a touchdown and interception while also carrying the ball five times for 23 yards and two more scores.
“I just wanted to come back out and just play with a little more fire,” the Southern California native said. “I felt like I left a lot of stuff on the table against Georgia. I just wanted to come out and prove to myself and just come out and play a great game — play a focused, locked-in game.”
There were still some errors, though, with the biggest one being a blown screen pass, coach Dabo Swinney noted. It’s not a concern, though, as coaches expect the young Tiger to continue making strides over the course of the season.
Clemson more than made up for the lack of running back touches this week, with rushing yards (242) accounting for 48% of its offensive yardage. Senior Lyn-J Dixon got the start in the backfield but was limited in his overall touches. When asked about it, Swinney said Dixon needed to “grow up” and “stay out of (running backs coach C.J. Spiller’s) dog house.”
Meanwhile, Shipley and sophomore Kobe Pace combined for 148 yards and three TDs to power a 1-2 tailback punch.
“I thought he did a good job, found some big runs, ran tough down there on the hillside going in for a touchdown,” Tigers offensive coordinator Tony Elliott said of Shipley, who had a Clemson-best 80 rushing yards. “So proud of him and just excited to see how he’s going to continue to grow.”
For a second straight game, the stifling Tigers didn’t allow the opposing offense to reach the end zone, with both Georgia and S.C. State only getting a field goal each. It’s the first time the unit has held an opponent without an offensive touchdown in back-to-back games since 2017 when the Tigers kept Kent State and Auburn from scoring. R.J. Mickens helped with an interception to give the Tigers consecutive games forcing at least one turnover.
The strength of the defense comes in its depth, with no drop-off coming between the starters and the backups. The Tigers displayed this with a goal-line stand at the 4-yard line to start the fourth quarter. Bulldogs quarterback Corey Fields had his fourth-down pass broken up by redshirt sophomore linebacker Keith Maguire.
“I can tell you that that’s been some of the most frustrating times around here, especially with Venables, is when you get in games like that and you sub guys,” Swinney said. “All of a sudden, you see it fall off and guys give up the score and things like that. Man, those guys played their tails off.”
Who: Clemson vs. Georgia Tech
When: 3:30 p.m. Saturday, Sept. 18
Where: Memorial Stadium in Clemson
TV: ESPN or ABC
SC lawmakers, leaders reflect on 20th anniversary of 9/11
WMBF News Staff
MYRTLE BEACH, S.C. (WMBF) - Several South Carolina lawmakers and state leaders reflected on the attacks of Sept. 11, 2001, early Saturday morning as the nation paused to commemorate the 20th anniversary of those events.“The pain and horror of 9/11 still resounds in our memories,” South Carolina Gov. Henry McMaster tweeted. “But so does the bravery and heroism of the first responders who answered the call that Tuesday morning. America endures because we remember and today, we remember our heroes and we must never forg...
MYRTLE BEACH, S.C. (WMBF) - Several South Carolina lawmakers and state leaders reflected on the attacks of Sept. 11, 2001, early Saturday morning as the nation paused to commemorate the 20th anniversary of those events.
“The pain and horror of 9/11 still resounds in our memories,” South Carolina Gov. Henry McMaster tweeted. “But so does the bravery and heroism of the first responders who answered the call that Tuesday morning. America endures because we remember and today, we remember our heroes and we must never forget.”
20 years later and the pain and horror of 9/11 still resounds in our memories. But so does the bravery and heroism of the first responders who answered the call that Tuesday morning. America endures because we remember and today, we remember our heroes and we must #NeverForget. pic.twitter.com/tDgZS9KcS3— Gov. Henry McMaster (@henrymcmaster) September 11, 2021
“But as we grieve that loss, we also remember the brave men and women who ran into danger to save others,” he said. “To our first responders both then & now, we are forever grateful.”
His fellow senator, Lindsey Graham, also shared his thoughts in a video message.
“I remember how I felt the day we were attacked. I can tell you almost every minute of that day. There was a sense of not being prepared that was unnerving. I tried - from them to now - to never be that unprepared again,” he said.
Congressman Tom Rice provided a statement asking Americans to “commemorate the courage & bravery of the everyday heroes and of those who ran into harm’s way without hesitation to rescue their fellow Americans.” Fellow representatives Ralph Norman and Jim Clyburn also reflected on Twitter early Saturday.
Copyright 2021 WMBF. All rights reserved.
Best places to eat in Myrtle Beach after 10 p.m.
MYRTLE BEACH, S.C. (WBTW) — Look, we get it. Maybe you forgot to eat. Maybe you’re on vacation, and not used to the time change. Or, maybe you’ve been up late, and want to finish off a night of drinking with a pizza.We don’t judge.We’ve compiled a list of the best places to get food in Myrtle Beach to help satisfy any late-night munchies you have. A business had to have at least 50 reviews to qualify for the list. Hours are accurate as of the time of publication.Here are 10 of the best resta...
MYRTLE BEACH, S.C. (WBTW) — Look, we get it. Maybe you forgot to eat. Maybe you’re on vacation, and not used to the time change. Or, maybe you’ve been up late, and want to finish off a night of drinking with a pizza.
We don’t judge.
We’ve compiled a list of the best places to get food in Myrtle Beach to help satisfy any late-night munchies you have. A business had to have at least 50 reviews to qualify for the list. Hours are accurate as of the time of publication.
Here are 10 of the best restaurants that are open after 10 p.m., according to Yelp:
Location: 1004 Chester St.
Four and a half stars out of 276 reviews
Hours: Open from 2 p.m. to 2 a.m. the next day on Mondays through Fridays, and from noon to 2 a.m. the next day on Saturdays and Sundays
Atlas Tap House knows why you’re there. With options like a hangover burger, pulled pork tacos and a fiesta pork sandwich, it boasts pub food with a twist. That, “all paired with a really unique atmosphere and a STELLAR backporch with games and live tunes,” makes a great experience, according to one reviewer.
Location: 3218 Waccamaw Blvd.
Four stars out of 132 reviews
Hours: 4 p.m. to 11 p.m. on Sundays through Thursdays, and 4 p.m. to 12 a.m. the next day on Fridays and Saturdays
Caldas Coal Fired Pizza’s menu includes favorites like pizzas, wings, meatballs and calzones. Yelp users called it cozy and clean, with a comment claiming, “By far the best pizza around. Eating it reminds me of home, NY/NJ style pizza. Amazing crust, cheese and the sauce is amazing.”
Location: 5201 N. Kings Hwy.
Four and a half stars out of 54 reviews
Hours: 3 p.m. to 1:30 a.m. every day
The tavern claims to locally source its fish, meat and produce, and said it makes its own sauces, dips and marinades. Its menu is constantly changing, and visitors said it is a good place to watch a game. “The beers are cheap and the food was SO good,” a review reads.
Location: 407 21st Ave. N.
Three and a half stars out of 680 reviews
Hours: 11:30 a.m. to 1 a.m. every day
The sushi bar doesn’t limit its options. Its menu includes sushi and steak, along with pasta and seafood. Reviewers liked the rooftop ambiance and cosmopolitan theme. “For our trip to Myrtle Beach, this was the best restaurant we visited,” a customer wrote. “It’s definitely worth stopping by.”
Location: 708 N. Ocean Blvd.
Three and a half stars out of 313 reviews
Hours: Noon to 1 a.m. the next day on Mondays through Thursdays, and noon to 2 a.m. the next day on Fridays, Saturdays and Sundays
Stop by the tiki bar for ocean views, Mediterranean dishes, craft beers and dozens of available cocktails. Visitors loved the pizza and live music, with one stating, “I love the vibe out there when the sun goes down…right on the beach and you can get a great view.”
Location: 110 9th Ave. N.
Three and a half stars out of 154 reviews
Hours: 11 a.m. to 2 a.m. the next day every day
Visitors called the rustic, southern-themed eatery an “underrated” spot on the Grand Strand. “Must visit,” one person wrote. “Legendary that’s all you have to say.”
Location: 1318 Celebrity Circle
Four stars out of 76 reviews
Hours: 11 a.m. to 1 a.m. the next day every day
Yelp users liked the chain’s large selection of sugary cocktails, gummy bear shots and outdoor seating, with one person commenting, “I will be back during my next trip to Myrtle Beach.”
Location: 2001 S. Ocean Blvd.
Three and a half stars out of 102 reviews
Hours: 11 a.m. to 11 p.m. every day
Mako’s On the Boulevard is a prime location for buffalo shrimp, crab legs, burgers or quesadillas. Visitors said the food is a consistent quality and pairs well with fishbowl frozen cocktails. “I don’t know if I was just starving from spending so much time on the beach, or if I had a few too many drinks but these were the best darn nachos I think I’ve ever had,” a reviewer wrote.
Location: 501 Lake Arrowhead Road
Three and a half stars out of 110 reviews
Hours: 11:30 a.m. to 11 p.m. every day
Would it be an Irish pub without fish and chips? Try that, on top of shrimp, sandwiches, wings and onion rings. One customer wrote that their waiter brought out a chocolate mouse as a surprise for their child, and that it seemed like the type of spot locals would love. “The food was better than you would expect a casual pub could be, especially for the price,” a comment reads. “The fresh chips were spot on.”
Location: 3308 Waccamaw Blvd.
Three stars out of 60 reviews
Hours: 11 a.m. to 4 a.m. the next day on Mondays through Fridays, and 11 a.m. to 2 a.m. the next day on Saturdays and Sundays
A local favorite, the sports bar offers the expected burgers, sandwiches and chicken wings. Visitors warn to choose the non-smoking side of the bar if you don’t want to inhale any ash. “Best wings in Myrtle,” one person wrote. “Period!!”