Senior Medicare Advantage plan insurance in North Charleston, SC

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Helping Seniors Make Better-Informed Medicare Decisions

Trying to pick a health insurance plan can be a chore for anyone. For many people, just mentioning the word “open enrollment” sends shivers down the spine. It seems like there’s always a nagging feeling that you’re wasting money, choosing a plan with poor in-network care, or both. One would think that health insurance gets easier as you approach retirement age, but the truth is that picking an initial Medicare coverage plan can be daunting.

Unfortunately, the confusing process of signing up for Medicare causes many seniors to forego healthcare coverage altogether. After all, Medicare enrollment can involve several federal agencies, including the Social Security Administration (or SSA) and the Centers for Medicare and Medicaid Services (or CMS).

At Senior Care Insurance Services, our passion is guiding seniors through the confusion of Medicare. That way, they can enjoy retirement with peace of mind knowing they are protected and ready for life after 65. We work with dozens of insurance companies, giving our clients the chance to choose a plan that best fits their lifestyle.

We choose to design our senior insurance plans with a focus on optimal benefits structure, lower costs, and personalized service. Some independent insurance agencies see their aging customers as nothing more than a financial transaction waiting to happen. In contrast, we treat each of our clients with respect and dignity as we help them navigate the confusing waters of Medicare. Combined with individualized service, we help older Americans make well-informed decisions about insurance. Whether you’re in need of senior Medicare Supplement Plan insurance in cityname or simply have questions about signing up for Medicare, our team is here to help.

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Guiding You Through The Confusion of Medicare!

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What is Medicare?

If you’re approaching the golden years of your life, it’s important you understand what Medicare is if you don’t already.

Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.

There are four parts of Medicare:

This type of Medicare is free for most U.S. citizens. Medicare Part A helps older adults pay for care in a nursing facility, hospital visits, and some forms of in-home senior care.

This tier costs around $100 per month. It covers different outpatient services like lab tests, preventative care, doctor’s visits, mental health care, clinical trials, and some forms of surgery.

This type of Medicare is most often called Medicare Advantage. This tier of Medicare allows seniors to choose health plans provided by insurance companies like Senior Care Insurance Services. Individuals who use Medicare Advantage commonly use Medicare supplement plan insurance to help pay for health care costs that Original Medicare won’t cover, like coinsurance, deductibles, and copayments.

Sometimes called “PDPs,” these plans add drug coverage to standard Medicare, some Medicare Private Fee-for-Service Plans (PFFS), some Medicare Cost Plans, and Medicare Medical Savings Account Plans (MSA).

The amount of money you pay for your health care depends on several factors, including:

At Senior Care Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.

Senior Medicare Supplement Plan Insurance in North Charleston

Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in “gaps” that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.

Private companies like Senior Care Insurance Solutions sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.

Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.

Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:

Deductibles

Copayments

Coinsurance

Important Information About Senior Supplement Plan Insurance

To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

  • To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
  • Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Care Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
  • If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you will be able to purchase a Medigap policy.
  • If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
  • Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
  • You may only buy a Senior Medicare Supplement Plan from an insurance agency that is licensed to sell them in your state. Senior Care Insurance Solutions has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
  • In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.

For many people, the best time to buy senior Medicare Supplement Plan Insurance in cityname is during the six-month Medigap Open Enrollment Period. This period starts the day you turn 65 years old, so long as you hold Medical Insurance (Medicare Part B). Generally, during the enrollment period, you get more policy choices and better pricing. Once the enrollment period is over, you may not be able to purchase a Medigap policy. Contact Senior Care Insurance Solutions today to determine if you qualify for a Medicare Supplement Insurance Plan.

Senior Medicare Advantage Plan Insurance in North Charleston, 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 North Charleston

SPOTLIGHT: Neighbors Together

Providing Dignity and Hope to our neighbors since 1983. We are committed to bringing a better quality of life to our neighbors through sharing resources, developing relationships and building a sustainable future.Name of your organization: Neighbors Together (formerly Tricounty Family Ministries)Year established locally: 1983Top local executive: Rev. Kara Joy StewartContact information: 2105 Cosgrove Ave...

Providing Dignity and Hope to our neighbors since 1983. We are committed to bringing a better quality of life to our neighbors through sharing resources, developing relationships and building a sustainable future.

Name of your organization:
Neighbors Together (formerly Tricounty Family Ministries)

Year established locally: 1983

Top local executive: Rev. Kara Joy Stewart

Contact information:
2105 Cosgrove Ave.
North Charleston, SC 29405
843-747-1788
NeighborsTogetherSC.org

Corporate giving contact:
Pat Votava, Development Director
2105 Cosgrove Ave.
North Charleston, SC 29405
843-297-3910
pvotava@neighborstogethersc.org

Average number of volunteers in 2020:
610

Total operating budget (2020-2021): $827,000

Percent of revenue dedicated to program services: 93%

Geographic area or
specific population served:

We serve the entire tri-county area (Charleston, Berkeley and Dorchester counties), with an emphasis on North Charleston. We serve our neighbors who are dealing with hunger, homelessness, medical needs and unemployment.

Greatest need:
Financial donations for expanding our facilities to include shelter for homeless women and children.

We saw a dramatic increase in the number of neighbors coming to us because of hunger. Thanks to support from our community, we were able to meet this need and many others, while renaming our organization Neighbors Together (formerly Tricounty Family Ministries). We are the SAME NEIGHBOR with a NEW NAME.

2022 Goals:

Renovating our Life Center, a former fire station on Reynolds Avenue in North Charleston, into housing for seven homeless families.

We are also planning to develop additional facilities for homeless women and children. Expansion of our medical services and job training programs to produce a sustainable future for our neighbors.

Fundraising events:

Giving Tuesday on Nov. 30. We have a generous $50,000 match that will double everyone’s gift up to $50,000 as we work to fulfill our vision of Bringing Dignity and Hope to our Neighbors across the Lowcountry.

Corporate giving opportunities:

We are always looking for sponsors for our special events that include Christmas, Thanksgiving, Veteran’s Day and others.

There are also naming opportunities at our facility and future Life Center that will will be renovated into shelter for seven homeless families. We are also open to naming opportunities for our key programs that address the following needs: Hunger, Homelessness, Medical Needs, Jobs Training, Legal Needs and Utility/Rental Assistance.

SPOTLIGHT: Communities in Schools of South Carolina

Our mission is to surround students with a community of support empowering them to stay in school and achieve in life.Name of organization: Communities in Schools of South CarolinaYear established locally: 1987Top local executive: Jamie Cooper, President & CEOContact information: 1691 Turnbull Ave., Suite 200 North Charleston, SC 29405 Phone: 877-920-3633...

Our mission is to surround students with a community of support empowering them to stay in school and achieve in life.

Name of organization: Communities in Schools of South Carolina

Year established locally: 1987

Top local executive: Jamie Cooper, President & CEO

Contact information:
1691 Turnbull Ave., Suite 200
North Charleston, SC 29405
Phone: 877-920-3633
Website: ciscofsc.org.org

Corporate giving contacts:
Latasha Taste, Regional Director of Development - Midlands
1691 Turnbull Ave., Suite 200
North Charleston, SC 29405
Phone: 803-254-9727
E-mail: Latasha Taste

Average number of volunteers in 2020: 250

Total operating budget (2019-2020):
$3.9 million

Percent of revenue dedicated to program services: 80%

Geographic area or specific population served: Statewide.

Greatest need
Students are struggling to adapt to a variety of changes in their day-to-day and academic lives as the pandemic continues. The increased need of our particular program, Communities In Schools, is focused on three main areas of support:
1. Additional funding to expand into high-need communities
2. Mentors and tutors to support our case-managed students
3. Individuals and businesses to partner with us for school supply, clothing closest and holiday drives.

In January 2021, Communities In Schools in South Carolina merged three pre-existing CIS affiliates, Greenville, Midlands and Charleston, to form Communities In Schools of South Carolina. This merger was designed in an effort to strengthen, deepen and grow our student impact across the state. Within our first year of merger, we have served an additional three school sites in the state and added four new staff members, allowing us to increase our impact to more than 18,000 South Carolina students. In the Midlands, the merger afforded us the opportunity to expand into Fairfield County by serving Fairfield Middle School's 400 students in 6th and 7th grades.

2022 Goals:

Following the lead of our 2021 merger, CISSC is excited to fulfill our strategy of strengthening, deepening and growing our program throughout the state of South Carolina. Our intentions are to expand to additional rural markets, launch our alumni engagement program providing additional college and career supports to CIS program alumni after highschool graduation, and continue to build our network of partners to ensure our program's success. Additionally, our student outcomes are measured annually by grade level advancement, graduation, and CIS’s ABC’s (Attendance, Behavior and Course work). By the end of the school year, we expect to achieve the following:

By June 2022, 85% of case-managed students will have maintained or improved adequate school behavior as measured by the number of out-of-school suspensions.

By June 2022, 75% of case-managed students will demonstrate positive gains in social emotional competencies from pre- to post-testing on DESSA or SEAD social emotional assessments.

Fundraising events:

Illuminating the Power of One
Join us from 5-6 p.m., Sunday, Nov. 14, at the Statehouse. Together, we’ll shine the light of over 4,000 luminaries on the Statehouse steps to honor students we work with in the Midlands, and raise funds to strengthen, deepen and grow our programming. If you would like to be a regional partner, purchase luminaries on behalf of your organization or learn more, visit cisofsc.org or contact Latasha Taste at ltaste@cisofsc.org.

2022 Corporate Giving Opportunities:

Individuals, corporations, foundations and civic groups and churches are encouraged to participate in the following programs: 1. Corporate Program Partnerships ranging from $1,000 to $100,000; 2. Regional event sponsorships for Illuminating the Power of One luminary event (ranging from $500 to $1,000); 3. Midlands Gives May 2022 Individual contributions, one-time, monthly, or stock donations. To make a tax-deductible gift, please contact Latasha Taste, Regional Director of Development at ltaste@cisofsc.org.

Ability Tri-Modal expanding operations in Charleston County

More than $24 million investment will create 27 new jobs COLUMBIA, S.C. – ...

COLUMBIA, S.C. – Ability Tri-Modal, a third-generation distribution and transportation provider, today announced plans to expand operations in Charleston County. The more than $24 million investment will create 27 new jobs.

Founded in 1982, Ability Tri-Modal provides warehousing and distribution services to consumers for bicoastal service. The company also specializes in trans-loading, consolidation and deconsolidation, retail delivery and a variety of other value-added services.

Located at 3298 Benchmark Drive in North Charleston, the company’s expansion will increase storage and distribution services to support growing demand.

The expansion is expected to be completed by fall 2022. Individuals interested in joining the Ability Tri-Modal team should visit the company’s careers webpage.

QUOTES

“We are very excited to see this building expansion project get started and be able to see it completed. We want to thank our local team members for their hard work and efforts to help put our organization in the position for expansion in the Charleston area. We also would like to thank the local vendors who support us, the Charleston County Economic Development Department and the good folks at the Port of Charleston which we utilize to serve our client base. We appreciate these new relationships and hope to continue to build on them into the future.” -Ability Tri-Modal Executive Vice President Mike Kelso

“South Carolina’s warehousing and distribution sectors are booming, and today’s expansion by Ability Tri-Modal is further proof of how companies find success in our state. We congratulate Ability Tri-Modal on their growth as they expand to serve even more clients.” -Gov. Henry McMaster

“South Carolina is growing as a leader in global connectivity, and today’s announcement by Ability Tri-Modal will only bolster our credentials. I’m proud to see the strong partnership between our state and this terrific company continue to thrive.” -Secretary of Commerce Harry M. Lightsey III

“The announcement by Ability Tri-Modal is another reason why we work each day to make Charleston County business-friendly. We continue to attract private investment, strengthen the regional economy and create new opportunities for business and residents. Congratulations to Ability Tri-Modal on their expansion.” –Charleston County Council Chairman Teddie Pryor

Feds raid North Charleston store, seize counterfeit sports jerseys

A sports apparel business previously located in the Northwoods Mall was raided last month by federal authorities investigating the sale of counterfeit clothing.Homeland Security Investigations’ Charleston office executed a federal search warrant on Dec. 14 at Game Over Sports as part of an investigation into allegations the store’s owner was selling counterfeit sports jerseys, according to federal records filed on Jan. 10 in U.S. District Court.A variety of jerseys seized from the business were determined to be phon...

A sports apparel business previously located in the Northwoods Mall was raided last month by federal authorities investigating the sale of counterfeit clothing.

Homeland Security Investigations’ Charleston office executed a federal search warrant on Dec. 14 at Game Over Sports as part of an investigation into allegations the store’s owner was selling counterfeit sports jerseys, according to federal records filed on Jan. 10 in U.S. District Court.

A variety of jerseys seized from the business were determined to be phony, records show.

Criminal charges have not been filed.

Assistant U.S. Attorney Derek Shoemake said he could not comment, saying only, “The filings speak for themselves.”

Lanard “Larry” Smith, the owner of the business, said in an interview on Jan. 12 he did not know the sports jerseys were counterfeit.

“The person that I was ordering stuff from, they said everything was legit. I had no clue until they came into the store,” Smith said.

Smith and his brother were previously convicted of trafficking in counterfeit apparel in 2008. Both men were sentenced to three years probation.

An operator at Northwoods Mall said Game Over Sports closed on Dec. 16.

The S.C. Secretary of State’s Office first alerted HSI in August that the business was suspected of selling counterfeit goods, according to an application for a federal warrant to seize property.

A federal cargo tracking database showed that four dozen shipments of clothing arrived at the business earlier in the year. The cargo came from countries such as Japan, Malaysia, China and Hong Kong.

Similar international cargo addressed to the brother and another man was also shipped to a Summerville apartment from June 2019 until May, records show.

At least seven of the international shippers were associated with intellectual property rights violations, according to the records.

An employee of the Secretary of State’s Office purchased suspected counterfeit apparel, including a Kobe Bryant Los Angeles Lakers basketball jersey purported to be made by Nike, from the store on Sept. 28.

An investigator with a private company that specializes in intellectual property rights inspected the basketball jersey, purchased for $150, and determined it was a knock-off, records state.

Investigators determined other jerseys seized in the Dec. 14 raid were also counterfeit, according to records.

In addition to the jerseys, federal authorities seized more than $100,000 from the business’ bank accounts, records state.

Lanard Smith said on Jan. 12 he planned to retain legal counsel.

3 new retail shops to open where North Charleston restaurant was demolished

A new building with three tenants will occupy the space where Applebee’s restaurant once stood on Rivers Avenue in North Charleston.Eyemart will operate in the middle slot while Dunkin’ Donuts will be on the left and Cycle Gear will move into the space on the right.Eyemart could open before the end of the year, while opening time frames for the other two businesses have not been announced.The new businesses sit on an outparcel at 7818 Rivers ...

A new building with three tenants will occupy the space where Applebee’s restaurant once stood on Rivers Avenue in North Charleston.

Eyemart will operate in the middle slot while Dunkin’ Donuts will be on the left and Cycle Gear will move into the space on the right.

Eyemart could open before the end of the year, while opening time frames for the other two businesses have not been announced.

The new businesses sit on an outparcel at 7818 Rivers Ave. in front of the Promenade at Northwoods Shopping Center across from Northwoods Mall and the recently opened Bahama Breeze restaurant.

Southern outpost

A new wine shop is coming to downtown Charleston.

Lindsey Williams, owner of Davidson Wine Co. of Davidson, N.C., plans to open Charleston Wine Co. at 63 S. Market St., according to Mandy Coleman with Charleston Restaurant Properties.

Williams hopes to open soon in the shop next to Byrd’s Famous Cookies.

She has applied for a license to sell beer, wine and liquor for on-premise use in the 589-square-foot shop that offers an upstairs as well. Williams plans to offer wines made in the Carolinas, local beer, charcuterie and desserts.

Sweet spot

A dessert shop that once was located in West Ashley plans to open soon in Mount Pleasant.

Gala Desserts is expected to welcome customers by mid-January at 123 Pitt St. in the Old Village. The shop previously was located at 829 Savannah Highway in Avondale.

What’s cooking?

Another new dining option is coming to North Charleston.

Alamo Ranch Restaurant plans to open at 5611 Rivers Ave. in Gas Lite Square Shopping Center.

An opening date has not been announced, but the eatery recently applied for a license to sell beer, wine and liquor for on-site use.

On the way

Rooted Bottle Market and Bar recently applied for its license to sell beer and wine for onsite and offsite use in northern Mount Pleasant.

The new shop will occupy 1,267 square feet at 3510 Park Avenue Blvd., Building 2, Suite 100, in The Bend at Carolina Park, a retail strip center of five buildings near Costco Wholesale.

Three of the buildings are fully leased with a variety of retail shops and restaurants as well as fitness centers and professional services, according to the commercial real estate firm Belk|Lucy’s website.

A fourth building has leases in four of the six spaces and the final building is being marketed for tenants.

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