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.
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 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:
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 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 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 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
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 Myrtle Beach, SC
Myrtle Beach International Airport sets passenger record for second year in a row
MYRTLE BEACH, S.C. (WMBF) – It was another busy year for the Myrtle Beach International Airport.New numbers from the airport show that in 2022, nearly 3.5 million passengers traveled in and out of the airport, which is a 7.7 increase from 2021.Myrtle Beach resident James Demetrio said he’s noticed the number of people flying in and out of the Grand Strand.“It’s good. I think a lot of people are looking for a place to live. They are moving out of cities, and there’s plenty of good reason for ...
MYRTLE BEACH, S.C. (WMBF) – It was another busy year for the Myrtle Beach International Airport.
New numbers from the airport show that in 2022, nearly 3.5 million passengers traveled in and out of the airport, which is a 7.7 increase from 2021.
Myrtle Beach resident James Demetrio said he’s noticed the number of people flying in and out of the Grand Strand.
“It’s good. I think a lot of people are looking for a place to live. They are moving out of cities, and there’s plenty of good reason for it. Is not safe to walk down the street,” said Demetrio.
As the number of travelers continues to grow, this also means people want to see improvements at the airport.
“There’s definitely a need for more parking if they are going to expand it like they plan on doing,” said Demetrio “I think they could improve more on the food. It’s going to be a big airport in the future and if you come here and you have one burger place to go to.”
Airport leaders said changes are on the horizon in order to accommodate the uptick in passengers.
“2022 was a great year for the Myrtle Beach International Airport,” said Judi Olmstead, Assistant Director of Airports. “With the added growth comes the need for improvements, and customers can look forward to the completion of a parking expansion project and the continued planning and design for a modest terminal expansion. We look forward to building upon another successful year and the ability to make MYR the best possible airport for our travelers.”
Along with parking and terminal expansions, airport spokesperson Ryan Betcher said they are hoping to bring in more airlines and more travel destination options.
“The airport really went out there and took advantage of that and promoted it to our air carriers to how strong the Myrtle Beach market was. We’ve seen that as a full kinda first-year recovery was 2022. It’s a very exciting thing for the airport overall. Summer went really smoothly, and we are excited to see what 2023 brings going forward,” Betcher said.
Some other highlights from 2022 include adding Avelo as a new airline at the airport which offers flights to Tweed New Haven Airport.
The airport also introduced the Sunflower Lanyard Program which helps traveling for those with hidden disabilities.
MYR also added six new therapy dogs to its Pups Easing Travel Stress (PETS) Airport Therapy Dog Program, making a total of 10 furry friends to help those with any travel anxieties.
Southwest also announced new flights that will go from Myrtle Beach to Denver, Colorado starting June 10, 2023.
Copyright 2023 WMBF. All rights reserved.
It’s time for another weekend in the Grand Strand
MYRTLE BEACH, SC (WMBF) -Friday (1/20/2023): - The Concert Of Kings: Elvis TributeExperience the legendary power and presence of music’s greatest icon, Elvis Presley!Three of the world’s finest Elvis performers bring to life the music and charisma of Elvis Presley, from the electrifying early years of the 1950s, to the stunning sex-symbol era of the 1960s, to the powerful Las Vegas years of the 1970s.The Concert of Kings: Elvis Tribute will be live at The Carolina Opry Theater....
MYRTLE BEACH, SC (WMBF) -
- The Concert Of Kings: Elvis Tribute
Experience the legendary power and presence of music’s greatest icon, Elvis Presley!
Three of the world’s finest Elvis performers bring to life the music and charisma of Elvis Presley, from the electrifying early years of the 1950s, to the stunning sex-symbol era of the 1960s, to the powerful Las Vegas years of the 1970s.
The Concert of Kings: Elvis Tribute will be live at The Carolina Opry Theater.
Tickets are on sale now. Purchase by phone at 800-843-6779. in person at the box office or online https://thecarolinaopry.com.
- CCU Men’s Basketball Vs. South Alabama
The Coastal Carolina University Men’s Basketball team takes on South Alabama at the HTC Center in Conway, SC at 2 p.m.
- Classic Stones Live: Rolling Stones Tribute
The Rolling Stones career and recreates The Stones in their legendary prime. This makes Classic Stones Live™ THE number one Stones tribute in the world. Playing all of the hits that make up the soundtrack of many people’s lives, Classic Stones Live™ delivers a complete Rolling Stones experience every time.
Classic Stones Live™ will be live at The Carolina Opry Theater for one night only on Saturday, January 21, 2023, at 7:00 pm.
- Smokehouse Day At The L.W. Paul Living History Farm
Join them between 9 AM and 12 PM at the L.W. Paul Living History Farm to celebrate the pig!
Winter was the time of year for curing pork on the farm and a season when the family was dependent on home preserved foods during the cold winter months.
Demonstrations by our staff and volunteers include the carving and preparation of pork, salting and curing in the smokehouse, making lye soap, cooking on a wood burning stove, and more!
- Man In Black: Johnny Cash Tribute
Shawn Barker’s Tribute to Johnny Cash is an accurate and energetic recreation of an American music icon, bringing the legend back to life onstage for the fans of today and the next generation.
The Man In Black: Johnny Cash Tribute will be live at The Carolina Opry Theater.
Copyright 2023 WMBF. All rights reserved.
This SC cat cafe near Myrtle Beach entertains and saves feline lives. Check it out
You might happen upon a storefront of snoozing cats while strolling through historic Georgetown, about an hour south of Myrtle Beach. Stop into Purr and Pour, the only cat cafe on the Grand Strand.To experience Purr and Pour, visitors ages 2 and up must purchase a ticket, which includes time with the cats and a beverage. The 12 to 15 felines inside come from ...
You might happen upon a storefront of snoozing cats while strolling through historic Georgetown, about an hour south of Myrtle Beach. Stop into Purr and Pour, the only cat cafe on the Grand Strand.
To experience Purr and Pour, visitors ages 2 and up must purchase a ticket, which includes time with the cats and a beverage. The 12 to 15 felines inside come from Saint Frances Animal Center in Georgetown and are available to be adopted.
Patricia Devine-Harms, owner and “purr-prietor,” opened the cat cafe in 2019. Since then, Purr and Pour has adopted out 296 cats. Visitors come to spend time with grandkids, de-stress, or help socialize the animals.
Devine-Harms estimated that one in 20 visitors brings home a cat. Adopting from a cat cafe allows prospective pet owners to get to know the cats better.
“A traditional shelter environment is stressful for cats, for visitors, for the staff,” Devine-Harms said. “So a cat cafe is a way to assist the shelter in increasing adoptions.”
The cat cafe accounts for 20% of Saint Frances Animal Center’s yearly adoptions, giving the no-kill shelter space to rescue more pets.
“We want people moving into the area that are establishing themselves and want a pet and want to adopt,” Devine-Harms said.
Purr and Pour welcomes a mixture of overlooked cats, such as older cats, shy cats, black cats and more outgoing ones, who can help bring the shyer ones out of their shells.
Johanna Imperial and her fiance recently drove down from Myrtle Beach to visit Purr and Pour.
“My Tiktok is full of cats and I’m like, ‘You know what? Maybe I should hang around cats and see if we get along.,” she said.
Despite being a professed dog person, Imperial cuddled up with Chili, a 10-year-old gray cat.
“I think I’m converting myself into being a cat person because they are so cute,” she said.
Gaynor Herbert was visiting downtown Georgetown from Charleston and saw the cats in the window. Herbert had already befriended one of the cats.
“I just sat down and Smitty came and sat on my lap,” Herbert said.
908 Front Street, Georgetown
1 hour visit: $10.50 for adults 13+, $6.50 for children ages 2 to 12. Includes either an alcoholic or non-alcoholic drink.
No ticket required to visit the cat-free gift shop and dining area.
Reservations recommended on weekends.
10 day trips within 2 hours of Myrtle Beach: From Calabash to Charleston
Myrtle Beach is considered a retreat for many, but you may still need to take a getaway from your getaway.Luckily there are plenty of destinations within driving distance from Myrtle Beach. Mix things up with a feast on perfectly fried seafood in Calabash, take in the arts and culture scene in Florence or go on an adventure in the great outdoors in Myrtle Beach State Park.What you’ll find below are some of the best things to enjoy within a 2-hour drive from Myrtle Beach. Explore beyond the city limits — and make the...
Myrtle Beach is considered a retreat for many, but you may still need to take a getaway from your getaway.
Luckily there are plenty of destinations within driving distance from Myrtle Beach. Mix things up with a feast on perfectly fried seafood in Calabash, take in the arts and culture scene in Florence or go on an adventure in the great outdoors in Myrtle Beach State Park.
What you’ll find below are some of the best things to enjoy within a 2-hour drive from Myrtle Beach. Explore beyond the city limits — and make the most of your visit to the Grand Strand with these 10 day trips.
If you can’t go far but are looking for an escape from the City of Myrtle Beach, it’s very easy to spend the day exploring Myrtle Beach State Park. The park is roughly 312 acres of maritime forest featuring a mile long beach. The park has a nature center where visitors can learn about the park’s unique habitat as well as a number of trails to explore.
Driving time from Myrtle Beach: About 10 minutes
Conway is a charming small town with scenic streets lined with shops, restaurants and historic sites. Stop by the Coastal Carolina University Arboretum to see its collection of native trees, or immerse yourself in local history at the Horry County Museum.
Driving time from Myrtle Beach: About 30 minutes
This state park is for nature lovers! A day at Huntington Beach State Park can be spent hiking along winding trails through maritime forests, bird watching or taking a leisurely stroll along the beach.
Driving time from Myrtle Beach: About 30 minutes
Brookgreen Gardens is 9,000 acres of art, history and natural beauty. It is home to the Brookgreen Botanical Gardens, Lowcountry Zoo and Sculpture Garden. Open year-round, it’s a day trip destination that offers something new to see for every season.
Driving time from Myrtle Beach: About 35 minutes
Located just north of Myrtle Beach is the town of Calabash. Known as the “Seafood Capital of the World,” this small fishing town in North Carolina is known for its high-quality, locally caught seafood and numerous seafood shacks. According to Google reviews, favorites include Waterfront Seafood Shack, Captain Nance’s Seafood and Ella’s of Calabash. Fried fish, oysters, shrimp and clams are among the town’s culinary specialties.
Driving time from Myrtle Beach: About 40 minutes
Pawleys Island is a quiet, laid-back barrier island community known for its beautiful beaches, charming historic district and the Hammock Shops where you can purchase unique souvenirs from independent boutique stores.
Driving time from Myrtle Beach: About 45 minutes
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Georgetown is a hotbed of history. If spending the day at a museum is your ideal day trip, there are plenty to explore. Some of the most popular museums include Georgetown’s South Carolina Maritime Museum, The Gullah Museum, the Rice Museum and Hobcaw Barony. In between museum visits, you can make a quirky pitstop at Purr and Pour, a cat cafe where you can enjoy a cozy cup of coffee, play with cats who are available to be adopted.
Driving time from Myrtle Beach: About 1 hour
In the heart of the Pee Dee region of South Carolina, Florence is a charming southern city with a plethora of ways to engage with arts and culture. Take in the art exhibitions at the Florence County Museum, catch a play featuring local performers at the Florence Little Theatre, or get a taste of local flavor at the Pee Dee State Farmers Market open during all seasons.
Driving time from Myrtle Beach: About 1 hour 30 minutes
The historic port city of Wilmington, North Carolina, is home to a gorgeous downtown waterfront, excellent restaurants and a number of cultural attractions including the Wilmington Ballet, the North Carolina Aquarium and the famous World War II Battleship North Carolina.
Driving time from Myrtle Beach: About 1 hour and 40 minutes
As South Carolina’s oldest and largest city, Charleston is home to a range of historic landmarks, museums and cultural attractions. Spend the day exploring the Hunley, the world’s first successful submarine, stroll through the gardens of the historic Middleton Place, or take in the city’s stunning architecture.
Driving time from Myrtle Beach: About 2 hours
North Myrtle Beach looks at restricting e-bikes on beaches during busy summer season
NORTH MYRTLE BEACH — Leaders in this coastal town seeing an increase in the popularity of electric bicycles are looking at limiting when they can be used on the beach during the busy tourism season.City Council and staff have spent months working on a balance between keeping the 9-mile shoreline safe for beach visitors while also giving bicycle enthusiasts the opportunity for a scenic ride.Electric bicycles, also known as e-bikes, grew in popularity worldwide during the COVID-19 pandemic since they allowed riders to socia...
NORTH MYRTLE BEACH — Leaders in this coastal town seeing an increase in the popularity of electric bicycles are looking at limiting when they can be used on the beach during the busy tourism season.
City Council and staff have spent months working on a balance between keeping the 9-mile shoreline safe for beach visitors while also giving bicycle enthusiasts the opportunity for a scenic ride.
Electric bicycles, also known as e-bikes, grew in popularity worldwide during the COVID-19 pandemic since they allowed riders to socially distance.
City officials have cited the safety issue of e-bikes on the beach for the proposed amendment, especially during the summer when thousands of visitors descend on the northern tip of the Grand Strand. Last summer, a person was injured by an e-bike, Mayor Marilyn Hatley said.
“I think we are on the right path here,” Hatley said.
But acknowledging that it can’t outright ban e-bikes as well as similar gas or electric-powered vehicles on the city’s public beach due to the Americans with Disabilities Act, North Myrtle Beach officials instead proposed to limit their hours.
The proposal would ban all bicycles and tricycles, including electric ones, from May 15 through Labor Day between 10 a.m. and 4 p.m. under a plan reviewed by City Council at a Jan. 18 workshop.
“We’re not giving an advantage to someone who operates a manual bike and giving a disadvantage to someone who wants to operate an e-bike,” City Attorney Chris Noury said.
Including all bikes in the ban could help avoid a lawsuit. North Myrtle Beach, a city of more than 19,000-year-round residents, has been sued over various existing ordinances in the past year — one regarding its noise ordinance and the other that alleges the city places a monopoly on the rentals of beach chairs and umbrellas.
A previously tabled version would have been 14 days longer with an added hour in the afternoon.
“So, it’s just during the busiest time of the year on the beach that we’re limiting hours,” Hartley said.
The new proposal would fall in line with neighboring cities including Myrtle Beach, which has a similar ordinance.
During the Jan. 18 workshop, Hatley proposed going one step further, proposing a speed limit for e-bikes, which through some manufacturers can reach speeds of 27 mph.
Noury said that a proposed speed limit could be revisited after the season ends, but there is always a question of enforcement.
“On a given day, there are only two of us on the beach,” said May Lauzon, a beach patrol officer for the city. “There’s 9 miles. Somebody calls in sick; there were plenty of times this past summer when I was only myself working on the beach. So, we would have to reexamine if we were to have a speed limit.”
Resident John Griffiths told the council that he is in favor of a speed limit but opposed to the time limit because he felt that bikes were safer traversing the beach as opposed to city streets.
“Do a study, really see if this is a problem or not before we make a rule that is going to impact a lot of people who enjoy bicycling or use it as a form of transportation,” Griffiths said.