Senior Medicare Advantage plan insurance in Rock Hill, 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 Rock Hill 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 Rock Hill
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 Rock Hill, 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 Rock Hill. 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 Rock Hill, SC
Changes could be coming to the speed limit in Rock Hill
A traffic study showed some drivers going as fast as 40 mph in neighborhoodsROCK HILL, S.C. — Rock Hill leaders are considering lowering the speed limit in certain residential areas after a study showed some people are going almost 40 mph.In residential areas where there is no sign showing the speed limit, the law in Rock Hill states the speed limit is 35 mph. However, city leaders said drivers are going too fast. Officials are ...
A traffic study showed some drivers going as fast as 40 mph in neighborhoods
ROCK HILL, S.C. — Rock Hill leaders are considering lowering the speed limit in certain residential areas after a study showed some people are going almost 40 mph.
In residential areas where there is no sign showing the speed limit, the law in Rock Hill states the speed limit is 35 mph. However, city leaders said drivers are going too fast. Officials are discussing changing the speed limit from 35 to 30 miles per hour in Monday night’s council meeting.
A study conducted by the traffic commission reviewed 26 streets and five neighborhoods. One of the streets studied is Friedheim Road in Rock Hill, where James Smith has lived for almost 40 years.
“As soon as [drivers] come off the bypass, you can see them accelerate,” Smith said.
Other neighbors describe seeing similar things. Antwoine Hope added he would like to see the speed limit lowered to 25 miles per hour.
“Kids [are] out here," Hope said. "We have people coming out of their driveways … and cars are coming through really fast."
A recent traffic study showed that 85% of drivers on Friedheim Road travel at speeds up to 38 mph. City leaders said it is a trend in neighborhoods throughout Rock Hill, but going almost 40 mph is too fast in neighborhoods.
City council passed the first reading of the proposal to drop the speed limit in unposted residential areas from 35 to 30 mph on Monday. Despite this, some council members raised concerns that drivers may not be aware of when the change takes place.
“I don’t think it’s a big deal going from 30 to 35, but my thing is that I just fear that people are going to want us to now post — in every neighborhood — because now it’s confusing,” Councilmember John Black said.
The traffic commission said if the change comes law, they will implement signage on major roadways that makes it clear the speed limit in unposted areas is 35 miles per hour.
Credit: Laura Jean Smith - Adobe Stock photo
These signs are often posted along major roadways wherever a driver enters a new town or city. They're often posted as "citywide" speed limits and are intended to cover all roads within the city limit "unless otherwise posted."
Also, the traffic commission will launch a marketing campaign to spread the word about the change. Before any change can take effect, the change still has to pass a second reading.
Explore these 5 budget-friendly road trips across the Carolinas this fall and winter
Fall is here and winter will arrive in North Carolina soon after, bringing colder temperatures and heralding the arrival of the busy holiday season. And after a year of headlines about inflation and high gas prices, it’s ...
Fall is here and winter will arrive in North Carolina soon after, bringing colder temperatures and heralding the arrival of the busy holiday season. And after a year of headlines about inflation and high gas prices, it’s expected to be an expensive travel season.
But that doesn’t mean you need to give in to the urge to hibernate.
The Carolinas offer plenty of road trip destinations perfect for a fall or winter weekend, many of which you can get to from Charlotte on a single tank of gas or less.
Here are some budget-friendly getaways to check out during the cooler months:
Distance from Charlotte: 130 miles
What to know: There’s still time to enjoy the beauty of fall colors in the Asheville area. A scenic drive along the Blue Ridge Parkway will give you a great look at the changing leaves. While in the area, you can also check out Asheville’s many fall events, restaurants and other attractions.
Distance from Charlotte: Varies
What to know: An oceanside vacation may not be the first thing that comes to mind when looking for something to do in fall or winter, but in many ways, it’s the perfect time to enjoy the Carolinas’ numerous coastal communities. Beach towns offer plenty to do besides swimming, and you’ll be looking at lower costs for activities and accommodations while avoiding crowds.
What to know: Known as “Christmas Town U.S.A.,” this Gaston County community will put you in the holiday spirit with its famous Christmas decorations and multiple holiday events throughout the season. There are new attractions to check out in town this year, including taprooms, coffee shops and ice cream parlors.
What to know: Immerse yourself in North Carolina history with a visit to the Old Salem Museums and Gardens in Winston-Salem. In addition to museums on various topics, there’s also plenty of shopping and dining options. From mid-November through the end of the year, you can also check out Old Salem’s slate of holiday events.
What to know: You don’t have to head out west to hit the slopes, with Sugar Mountain offering a variety of snow sports in North Carolina. You can also check out many events throughout the winter months that are fun for the whole family.
This story was originally published November 2, 2022 1:58 PM.
Men's Soccer Places Five on All-Conference Team, Including Three on First-Team
Lenoir-Rhyne University Athleticshttps://lrbears.com/news/2022/11/2/mens-soccer-places-five-on-all-conference-team-including-three-on-first-team.aspx
Rock Hill, S.C. - The South Atlantic Conference officially announced the 2022 SAC Men's Soccer All-Conference teams on Wednesday morning, with five Bears earning recognition. Dani Fernandez, Carles Montoliu Lobo and ...
Rock Hill, S.C. - The South Atlantic Conference officially announced the 2022 SAC Men's Soccer All-Conference teams on Wednesday morning, with five Bears earning recognition. Dani Fernandez, Carles Montoliu Lobo and Adrian Martina were named First-Team All-Conference, Oliver Gardner was named Second-Team All-Conference, and Luis Hernandez was named Third-Team All-Conference. LR's three players on the First-Team were tied for the most in the conference.
Fernandez earns his second First-Team All-Conference honor and third overall All-Conference nod. The 2020-21 SAC Defensive Player of the Year has earned recognition in all three of years at Lenoir-Rhyne. The Madrid, Spain native led the LR defense as the center back, and also scored two goals this year, one of which was a game-winner.
Montoliu Lobo earns his third straight First-Team All-Conference honor in the midfield. The Valencia, Spain native scored four goals and had two assists on the year. He also was the 2021 SAC Scholar-Athlete for men's soccer, and was the 2021-22 SAC Man of the Year, given to the student-athlete that exemplifies the highest standards on the field, in the classroom, and in the community.
Martina earns First-Team recognition in his first year in Hickory. The Avila, Spain native led the Bears with six goals and four assists, racking up 16 points on the year. He also earned a SAC Offensive Player of the Week honor in September.
Gardner makes the Second-Team All-Conference squad for the second time in his career as a defender. The Braunton, England native scored one goal on the year (a game-winner) and dished out two assists.
Finally, Hernandez made the Third-Team All-Conference squad in his grad transfer year. The Barton transfer and Madrid, Spain native scored four goals on the year and led LR with five assists.
Lenoir-Rhyne will continue to chase a SAC Tournament title on Friday when they take on No. 1 seed Wingate in the semifinals at 11 a.m. in Charlotte.
2022 South Atlantic Conference Men's Soccer All-Conference Teams First-Team F - Peter Plougmand, Mars Hill F - Harry Cooke, Lincoln Memorial F - Mark Radoki, Limestone F - Adrian Martina, Lenoir-Rhyne
MF - Carles Montoliu Lobo, Lenoir-Rhyne MF - Pedro Santos, Wingate MF - Angelo Fabricio, Limestone MF - Nic Carsh, Carson-Newman
D - Owen Marshall, Wingate D - Gustavo Palmeri, Coker D - Dani Fernandez, Lenoir-Rhyne D - Stefan Roeb, Limestone
GK - Aleksa Janjic, Wingate
Second Team F - Willem Krujik, Carson-Newman F - Emil Svenander, Wingate F - Antonio Ferreira, Limestone F - Bautista Vecchi-Ramello, Catawba
MF - Celestin Blondel, Coker MF - Filip Jensen, Mars Hill MF - Nikola Sotra, Coker MF - Kriton Kiousis, Lincoln Memorial
D - Matty Tricker, Coker D - Alejo Bzurovski, Catawba D - Oliver Gardner, Lenoir-Rhyne D - Niclas Wittur, Wingate
GK - Jasper Rump, Coker
Third Team F - Frederic Benedix, Coker F - Ignacio Alconchel, Tusculum F - Che' Richards, Coker F - Sebastia Cerda-Tous, Catawba
MF - Andres Osorio, Anderson MF - Louis Pereira-Scott, Emory & Henry MF - Luis Hernandez, Lenoir-Rhyne MF - Peter Majer, Lincoln Memorial
D - Eric Schmutzer, Carson-Newman D - Ben King, Carson-Newman D - Alex McNally, Lincoln Memorial D - Joao Martinho, Anderson
GK - Zak Stiffler, Catawba
Offensive Player of the Year Harry Cooke, Lincoln Memorial
Defensive Player of the Year Owen Marshall, Wingate
Freshman of the Year Harry Cooke, Lincoln Memorial
Coach of the Year Gary Hamill, Wingate
Fair Play Award Emory & Henry
Goals per Match: Harry Cooke, Lincoln Memorial | 0.94
Points per Match: Harry Cooke, Lincoln Memorial | 1.94
Assists per Match: Stefan Roeb, Limestone | 0.62
Goals Against Average: Aleksa Janjic, Wingate | .667
Save Percentage: Aleksa Janjic, Wingate | .782
Shutouts: Aleksa Janjic, Wingate | 7
Team Points per Match: Limestone | 6.94
Team Goals per Match: Limestone | 2.38
Team Assists per Match: Limestone | 2.19
Team Shutouts: Wingate | 7
Team Goals Against Average: Wingate | .629
Team Winning Percentage: Wingate | .694
'BagGate' cheating scandal rocks professional cornhole world
A cheating scandal dubbed "BagGate" has sent shock waves across the professional cornhole world.The controversy sparked in August at the 2022 American Cornhole League World Championships in South Carolina.Devon Harbaugh filed a formal complaint against c...
A cheating scandal dubbed "BagGate" has sent shock waves across the professional cornhole world.
The controversy sparked in August at the 2022 American Cornhole League World Championships in South Carolina.
Devon Harbaugh filed a formal complaint against cornhole players Mark Richards and Philip Lopez, claiming the No. 1 ranked doubles team used illegal beanbags.
"I thought the bags were too thin, Harbaugh asserted.
A $15,000 purse was on the line in the game where competitors toss bags filled with resin beads into a hole on slanted boards, which are approximately 27 feet apart.
After the complaint was lodged, officials performed a bag inspection. However, Lopez and Richards also wanted their opponents bags to be inspected as well. Turns out none of the players competing were using regulation size bags.
Officials ultimately determined the violations were not intentional and allowed the content to continue.
An ACL spokesperson allude to the fact that some form of cheating may have taken place. "It’s possible, but I’m pretty confident that it wasn’t intentional," spokesman Trey Ryder said.
Meanwhile, Lopez claimed, "I don’t know how they became illegal-sized. We did not boil the bags."
The infamous incident, now known as "BagGate," has sparked conversations about implementing more strict regulations to prevent the use of non-complaint bags.
"I think it’s funny that anyone believed it would be all friendships and rose petals forever in cornhole," wrote one commenter on the Addicted to Cornhole Facebook page, which has 85,000 members. "Now the dirty underbelly is being exposed."
(Photo by Logan Cyrus for The Washington Post via Getty Images)
Cornhole is a fast-growing sport and has attracted big-name sponsors.
The ACL boasts about 155,000 members, up from 125,000 in 2021, according to a report from the Wall Street Journal. Top ACL players can earn around $250,000 from annual winnings, endorsements and sponsorship agreements.
A lighter or thinner bag does allow for a competitive advantage. Some players have been suspected of participating in a variety of methods to create the lighter bags.
ACL regulations stipulate cornhole bags must be six by six inches when laying on a flat surface. The bags weight is expected to be 16 ounces.
The league now plans to implement more regulations and structures into the sport.
(Photo by Logan Cyrus for The Washington Post via Getty Images)
The ACL announced its intention to check bags at random at tournaments. Ryder noted the league is even "exploring infrastructure for automated bag testing."
The American Cornhole Association is known as the Official Governing Body of Cornhole. ACA officials have previously compared the growth of the sport to that of pickleball.
Team rules and regulations are expected to be updated by the end of the year, according to the ACA.
Chantz Martin is a sports writer for Fox News Digital.
Top disc golf players gather in Rock Hill, SC, to vie for national title. What to know
The annual United States Disc Golf Championship is back.The disc golf tournament is Oct. 6-9 at the Winthrop University Gold Arena. This is the 24th year the event has been held on the campus of the Rock Hill, S.C., university.The United States Disc Golf Championship (USDGC) is one of the sport’s most prestigious tournaments, and has players from all over the world in Rock Hill. Almost 100 of the best male disc golfers in the world are competing.The idea for the tournament came in 1997 when the final round of the 1...
The annual United States Disc Golf Championship is back.
The disc golf tournament is Oct. 6-9 at the Winthrop University Gold Arena. This is the 24th year the event has been held on the campus of the Rock Hill, S.C., university.
The United States Disc Golf Championship (USDGC) is one of the sport’s most prestigious tournaments, and has players from all over the world in Rock Hill. Almost 100 of the best male disc golfers in the world are competing.
The idea for the tournament came in 1997 when the final round of the 1997 Professional Disc Golf World Championships (PDGA) was held at Winthrop.
Jonathan Poole, now the USDGC event director, was working for Innova, a disc manufacturer and main sponsor of the USDGC. Poole said when he saw how well the Winthrop course was set up for spectators, he set the plan in motion.
“We started talking about creating a new major for the Professional Disc Golf Association,” Poole said. “We planned that mainly through 1998, and then we got a plan. Then we sort of worked our way up to October of 1999, and we ran the first one.”
Along with the USDGC, the Gold Arena also is hosting the Throw Pink Women’s Disc Golf Championship this weekend. Originally known as the Women’s National Championship, this year’s Throw Pink Women’s Disc Golf Championship (TPWDGC) is fielding 41 of the top female disc golfers in the world.
Disc golf has grown in popularity. According to the Professional Disc Golf Association, that organization has grown from about 16,000 members in 2011 to more than 100,000 last year.
Disc golf even flourished amid the threat of COVID.
“There weren’t a lot of ways to get out and be active,” said Genevieve Young, the media manager for both of this weekend’s events. “We saw a huge bump in disc golf because it’s one of the few sports you can play where you can socially distance. We’ve slowly been getting involved in schools as well. The barrier to play is very low because your economic status doesn’t matter. Your background doesn’t matter. A disc is only five bucks, and that’s all you need to play.”
Tournament officials want spectators this weekend to enjoy the event.
“We’ve been building this championship village right in the middle of the course,” Poole said. “There’s music and this giant stage. We’ve got a 12-foot-tall-by-21-foot-wide video screen, and we’re streaming the live broadcast to the people in the middle of the course.
“You can buy beer. You can buy food. You can shop. You can play. You can just hang out and take it all in. That’s what we’re trying to build. If you play disc golf at any level, even just as a super casual fan, we’re trying to make it the can’t-miss thing. It’s just the place you got to be if you’re a disc golfer.”
For the event schedule, go to usdgc.com/event-schedule for tee times and a full breakdown of weekend events.
On Sunday, the TPWDGC has an expected tee time of 8:45 a.m., while the USDGC has an expected tee time of 11:15 a.m.
This story was originally published October 7, 2022 8:21 AM.