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 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 Myrtle Beach or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Myrtle Beach, 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 Myrtle Beach, 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 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 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 Myrtle Beach, 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 Myrtle Beach 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 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:

 Medicare Plans Myrtle Beach, 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 Myrtle Beach, 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 Myrtle Beach. 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 Myrtle Beach, 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 Myrtle Beach, 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 Myrtle Beach, 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 Myrtle Beach, SC

Where are Myrtle Beach’s best spots for hiking and biking? Here’s what locals say

Myrtle Beach is known for the outdoors, with the most important part being, of course, the beach.But what about the rest of the “Great Outdoors”? Aren’t there other things to do?We asked readers to share with us their favorite places to go hiking, biking and just explore nature around the Grand Strand. Here are the places they shared.Did we miss something? Email ckaracostas@thesunnews.com....

Myrtle Beach is known for the outdoors, with the most important part being, of course, the beach.

But what about the rest of the “Great Outdoors”? Aren’t there other things to do?

We asked readers to share with us their favorite places to go hiking, biking and just explore nature around the Grand Strand. Here are the places they shared.

Did we miss something? Email ckaracostas@thesunnews.com.

Bike and Run Park (The Hulk): Wish Myrtle Beach was closer to the mountains? This place brings brings the mountains to you. It features 7 miles of mountain biking and biking trails across 70 acres of space, and it serves as the first East Coast Greenway trailhead in South Carolina.

150 Frontage Road, B-2, Myrtle Beach

Brookgreen Gardens: What better place to explore nature than a giant botanical garden? There are plenty of trails, paved and unpaved, depending on how adventurous you want to be and how much you want to forget that your car is only a short walk away. Plus, you can see some cute baby goats.

1931 Brookgreen Garden Drive, Murrells Inlet

Hobcaw Barony: One reader called this place a hidden gem that “not even many locals know about.” It’s tucked along Georgetown’s coastline and is a nature preserve and plantation covering 16,000 acres. Want to check out some history during your explorations? Hobcaw also has cemeteries and centuries-old homes to visit.

22 Hobcaw Road, Georgetown

Huntington Beach State Park: You can camp, hike and bike here. This place has it all.

16148 Ocean Hwy., Murrells Inlet

Myrtle Beach State Park: Who wouldn’t want to go check out the first state park to open in South Carolina? Plus, it’s one of the few maritime forests in the state that people can visit anytime they want.

4401 S. Kings Hwy., Myrtle Beach

Vereen Gardens: Horry County says this place has “3 miles of nature trails and boardwalks that meander through its botanical gardens and along its waterfront.” Plus, looking for some history? “A small segment of the original Kings Highway, a colonial route between Boston and Charleston, still remains at the front of the property.”

2250 SC-179, Little River

Waccamaw Neck Bikeway: Tired of biking along Ocean Boulevard for exercise? Those loud Carolina Squat trucks getting you down as they drive past? Escape it all with this trail ... just don’t mind the highway that you periodically have to bike alongside. The trail is 16 miles long. Want a specific place to start? Try Morse Park Landing.

4939 Hwy. 17 Business, Murrells Inlet

Tom Yawkey Wildlife Center: This treasure is possibly the most hidden place on this list, but a visit is well worth it. It’s a 20,000-acre nature preserve that is almost entirely protected from human disturbance. Access is extremely limited, though, and reservations for tours or camping will need to be made weeks or months in advance.

1 Yawkey Way S., Georgetown

FIRST ALERT: Record heat today, isolated strong storm possible

MYRTLE BEACH, SC (WMBF) - The first heat wave of the year will send highs into the 90s for the beaches today and close to the triple digits for inland locations! Here comes our first true taste of summer! The first heat wave of the year will send temperatures soaring to record levels at times through the weekend.TODAYAs we go throughout the day, temperatures warm up quickly with increasing humidity throughout the day. Morning temperatures in the 70s will lead to the upper 90s to near 100 degrees inland. On the beaches, w...

MYRTLE BEACH, SC (WMBF) - The first heat wave of the year will send highs into the 90s for the beaches today and close to the triple digits for inland locations! Here comes our first true taste of summer! The first heat wave of the year will send temperatures soaring to record levels at times through the weekend.

TODAY

As we go throughout the day, temperatures warm up quickly with increasing humidity throughout the day. Morning temperatures in the 70s will lead to the upper 90s to near 100 degrees inland. On the beaches, we will see many locations hit 90° for the first time this year. A 90° reading today in Myrtle Beach will tie the previous record of 90 set in 2001. In Florence, the previous record of 98 set back in 1962 should get passed today with a high temperature of 99.

A FEW LATE DAY STORMS

Along with the heat and humidity, we hold onto an isolated storm chance for this afternoon and into the evening hours. There’s enough energy in the atmosphere to where an isolated storm or two may develop by the afternoon hours. While we have plenty of energy out there, we are also capped with a lid on that storm energy. The two will work together to cancel each other out, meaning IF any storms develop, they could be on the strong side pretty easily with gusty winds and small hail. Even this morning, the model data continues to show an isolated storm at 20%. Most of the area today will stay dry. We remain under a LEVEL 2 severe weather risk for one or two storms that could be strong or severe.

SUMMER-LIKE THROUGH THE WEEKEND

For the Grand Strand, today will be the hottest day as an active sea breeze will tend to keep temperatures cooler near the beaches. High temperatures on Friday will be in the upper 80s with temperatures dropping into the lower to middle 80s by the weekend. A few showers and storms will be possible especially on Sunday.

Inland areas will not benefit from the sea breeze and will continue to see scorching temperatures. Afternoon highs will reach near 100 again on Friday and remain in the lower to middle 90s through the weekend.

Some relief arrives next week as better chances of showers and storms returns.

Copyright 2022 WMBF. All rights reserved.

Taking off for new heights: EdVenture Children’s Museum set to open new Myrtle Beach location

MYRTLE BEACH, S.C. (WMBF) - From landing an airplane to shopping for groceries, the EdVenture Children’s Museum in Myrtle Beach takes a fun approach to give kids a glimpse into their futures.The museum will unveil a new location with a grand opening Saturday at 4005 Howard Avenue, located at The Market Common.Since opening back in 1993, Myrtle Beach’s children’s museum has bounced around trying to find a forever home.It temporarily moved into The Market Common in 2019. It worked for a while, but the mus...

MYRTLE BEACH, S.C. (WMBF) - From landing an airplane to shopping for groceries, the EdVenture Children’s Museum in Myrtle Beach takes a fun approach to give kids a glimpse into their futures.

The museum will unveil a new location with a grand opening Saturday at 4005 Howard Avenue, located at The Market Common.

Since opening back in 1993, Myrtle Beach’s children’s museum has bounced around trying to find a forever home.

It temporarily moved into The Market Common in 2019. It worked for a while, but the museum was ready to grow and offer a whole list of new experiences for kids to explore.

“I truly believe that there will be any number of future pilots, engineers, etc. that got their start here at EdVenture Myrtle Beach,” said EdVenture Board of Trustees Representative Dwayne Porter.

EdVenture didn’t have to look too far for a spot that could accommodate the growth.

It found three times the space just one block up the street in The Market Common at the old City Mac, just across from Barnes & Noble.

With the extra space, EdVenture was able to add a dentist’s office, doctor’s office, auto-work shop, grocery store and theater to go along with the space exhibit it had at the old location.

The Myrtle Beach Air Force Base Redevelopment Authority contributed $300,000 to help pay for the move, deciding it fit well with the goals for The Market Common.

“The general vision of The Market Common, if you go back to 1995, was an urban village where people live, work and play and just enjoy each other’s company,” said Buddy Styer, Executive Director of the Myrtle Beach Air Force Base Redevelopment Authority. “This just fits right into it.”

As much as they enjoyed walking in and seeing the new space complete, the EdVenture team feels the best part is yet to come.

“What’s going to be really exciting is when this place is filled with children, smiling, running around doing lifelong learning,” said Porter.

After the grand opening Saturday, EdVenture will be open seven days a week.

Tickets are $8 for children and adults, and $7 for seniors, military and teachers.

Copyright 2022 WMBF. All rights reserved.

35-mile ‘Rail Trail’ in the works to connect Myrtle Beach to Aynor

MYRTLE BEACH, S.C. (WMBF) - Thirty-five miles connecting walkers and cyclists from Myrtle Beach all the way to Aynor...That’s the vision several county and city departments have for making sure you don’t need a car to get around.Planning departments from throughout Horry County came to Coastal Carolina University Wednesday for a Trail Summit to discuss the future of pathways and trails in the county.“I really don’t like seeing human infrastructure for 100% of my day,” said Joseph Minnich, a ...

MYRTLE BEACH, S.C. (WMBF) - Thirty-five miles connecting walkers and cyclists from Myrtle Beach all the way to Aynor...

That’s the vision several county and city departments have for making sure you don’t need a car to get around.

Planning departments from throughout Horry County came to Coastal Carolina University Wednesday for a Trail Summit to discuss the future of pathways and trails in the county.

“I really don’t like seeing human infrastructure for 100% of my day,” said Joseph Minnich, a cyclist who came to the summit. “I like to see trees and wildlife when I can.”

Minnich sees all those trees and wildlife when he puts in more than 60 miles on his bike every week.

Those rides through nature tend to be a lot more enjoyable than his rides to work at CCU.

“If I want to get from my house to Coastal Carolina to downtown Conway, it’s almost impossible to do so in a safe way,” said Minnich.

Minnich says he has an idea for a trail connecting all of Horry County so folks can get around safely without having to be on highways next to cars.

Turns out, planning departments from cities throughout the county are on the same page.

“If we can connect them to the community college and CCU, connect them to downtown areas and communities further out, we have an opportunity to make a ton of people happy,” said Conway Planning Director Allison Hardin.

Planning teams from throughout the county came together for a trail summit to share what they have in the works to connect the county’s trails.

While each one is working on its own projects, like an East Coast Greenway realignment in North Myrtle Beach to a trail connection around Conway High School, they all had one goal in common: A 35-mile rail trail, running along the old railroad tracks from the Myrtle Beach Train Depot out to Aynor.

The problem is money.

“That $2 million per mile is pretty accurate,” said Conway Administrator Adam Emrick when referring to the cost to add a trail. “It’s really hard and frustrating for elected officials to understand that a trail is more than just a path, it’s got to be something that people can actually utilize.”

It may happen in phases and it could take 20 years, but if the rail trail becomes a reality, you can count on Minnich to be one of the first ones to ride it.

“The rails are already there,” said Minnich. “We have these great pathways. All we have to do is make them bikeable.”

Part of the discussion also focused on how these trail projects are about more than just recreation. It would also provide a way for people to get to work or the grocery store without being expected to have a car.

A county planner pointed out that Horry County doesn’t have a dedicated pot of money for trails. It’ll take people speaking up and saying this is something they want to start budgeting for this plan to actually happen.

Copyright 2022 WMBF. All rights reserved.

Carolina Forest Civic Association hosts Q&A with county candidates ahead of June election

MYRTLE BEACH, S.C. (WMBF) - Residents in the Carolina Forest area had an opportunity to hear from candidates in a pair of local races in next month’s elections.The Carolina Forest Civic Association hosted the event featuring candidates for Horry County Council Chair and the Horry County School Board.The turnout, however, wasn’t what organizers were hoping for.“Actually I’m very disappointed in the turnout. We knew we were doing a special time to open up the time limits for Horry County School Boar...

MYRTLE BEACH, S.C. (WMBF) - Residents in the Carolina Forest area had an opportunity to hear from candidates in a pair of local races in next month’s elections.

The Carolina Forest Civic Association hosted the event featuring candidates for Horry County Council Chair and the Horry County School Board.

The turnout, however, wasn’t what organizers were hoping for.

“Actually I’m very disappointed in the turnout. We knew we were doing a special time to open up the time limits for Horry County School Board and Horry County Council,” said Carole VanSickler, President of the Carolina Forest Civic Association.

Eight candidates for the school board took the podium, addressing the handful of Carolina Forest Residents in attendance. Community questions included concern over safety around school zones and bussing students.

“We don’t get enough buses from the state to support the buses we have now, so that’s an expensive thing that we have to do,” District 6 candidate Helen Smith said when asked how to incentive more students to take the bus.

In terms of the Horry County Council races, only four candidates made an appearance.

One of the hot topics discussed? Interstate 73.

“I-73 to me is on the backburner, I think it’s a great road, a great idea, but ride around Horry County,” said Johnny Vaught, a current councilman who’s running for the chair on the council.

That question was also open to candidates running for other seats on the council.

“The idea sounds nice but without the Federal Funding, there’s no way that I’m gonna tell constituents, I know your roadways are bad because I drive on the same roads you do. Let’s make a brand new interstate for the tourists,” said Shannon Grady, who’s running for the council’s eighth district seat.

Residents that spoke to WMBF News

Did the two-hour meeting help those in attendance decide who will earn their vote?

“No, not yet, I’ll still review some of the information on all the candidates and do a process of elimination,” said Craig Beaudry, who lives in Carolina Forest.

“Yes, I have. So this meeting was good,” said fellow resident James Maderas.

Voters will head to the polls on June 14.

Copyright 2022 WMBF. All rights reserved.

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