Senior Medicare Advantage plan insurance in Seabrook Island, 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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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 Seabrook Island

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 Seabrook Island, 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 Seabrook Island

Mount Zion Elementary School

By Lucy Hoover for The Island ConnectionContrary to what you might think, there are so many typical school supplies that are not provided for the students and teachers in the Charleston County School District. Thankfully, for over 10 years through the generosity of property owners on Kiawah, Seabrook and Johns Island have purchased pencils, erasers, school uniforms, composition paper and other routine supplies for use in Mt. Zion Elementary School. Considering the needs of Mt. Zion students, we are again reaching out for your support....

By Lucy Hoover for The Island Connection

Contrary to what you might think, there are so many typical school supplies that are not provided for the students and teachers in the Charleston County School District. Thankfully, for over 10 years through the generosity of property owners on Kiawah, Seabrook and Johns Island have purchased pencils, erasers, school uniforms, composition paper and other routine supplies for use in Mt. Zion Elementary School. Considering the needs of Mt. Zion students, we are again reaching out for your support. This year we are again asking you to make a monetary donation and let us do the shopping on your behalf based on each teacher’s Wish List. We will use the funds received to purchase supplies and uniforms before the school year begins and as needed throughout the year. Your support goes even further if we receive your donations before the state’s tax-free weekend, which begins this year on Aug. 6.

Stores that support education

Another way we can help the students at Mt. Zion is when you shop at various participating stores. This program works no matter where you live. Just remember to ask your cashier at Harris Teeter to enter the school number “3455” into the register when you use your VIC card. Or you can annually activate this donation online. By doing this, a portion of what you spend is donated to Mt. Zion Elementary each time you shop and purchase “Together in Education” items. If you have an Office Depot credit card, please ask the sales associate at the register to credit Mt. Zion Elementary (school ID# 70090775). The school will receive 5% of any purchases you make all year long. Staples also has a rewards program, which can be used for purchases. Finally, if you have a Target credit card, you can register on the Target web site for Mt. Zion Elementary. These businesses donate a portion of sales dollars to local schools.

Volunteer in the classroom

At this time, it is unclear if classroom volunteers will be permitted In the Charleston County Elementary Schools. For more than 15 years Kiawah, Seabrook and Johns Islanders have provided more than 1,500 classroom volunteer hours and hope to be back at some time during the 2021-2022 school year. When we get the go ahead to begin physically helping in the schools, notices will be published. On behalf of the entire Mt. Zion family, thank you in advance for your generous support. Please make your check payable to “Support Mt. Zion Kids” and mail it to: Lucy Hoover 2824 Dove Nest Ct. Johns Island, SC 29455 Or, contact Hoover by phone 404-556-3231 or via e-mail lucyhoover@ gmail.com.

“Support Mt. Zion Kids” is not a 401(c)(3) organization. Your contribution is a donation from the heart to help out our neighboring families.

MUSC Health is moving forward with emergency room, medical services in southern Charleston County

CHARLESTON COUNTY, S.C. (WCBD) – MUSC Health announced Thursday plans to move forward with a project aimed at bringing emergency care to people living in remote areas of southern Charleston County.In researching plans for a new facility, MUSC said the sea islands – including Johns, Kiawah, and Seabrook Islands – are geographically isolated with residents located more than 20 miles away from the nearest hospital.These coastal communities, according to MUSC’s plans, are home to a large population of senior...

CHARLESTON COUNTY, S.C. (WCBD) – MUSC Health announced Thursday plans to move forward with a project aimed at bringing emergency care to people living in remote areas of southern Charleston County.

In researching plans for a new facility, MUSC said the sea islands – including Johns, Kiawah, and Seabrook Islands – are geographically isolated with residents located more than 20 miles away from the nearest hospital.

These coastal communities, according to MUSC’s plans, are home to a large population of seniors, who generally have a need for both outpatient and emergent care services. They say double-digit growth is expected over the next five years, with about 31,000 additional 65+ residents in the service area.

The addition would provide enhanced access to MUSC Health’s primary stroke center and chest pain center.

Kiawah Partners is donating six acres of land to the Medical University Hospital Authority to build a free-standing emergency department and medical office along a portion of Seabrook Island Road near the Bohicket Marina.

“After seven years of working side by side with MUSC to bring this important project to fruition, we could not be prouder to donate the six acres of land needed for the development and to continue our partnership with the MUSC team,” said Chris Randolph with Kiawah Partners.

The emergency department will include four exam rooms, two trauma rooms, imaging lab services and a rooftop helicopter pad – including MUSC Health says the medical offices will offer both primary and specialty care.

“This new facility will bring vitally important world-class medical care to Kiawah, Seabrook and the Sea Islands residents, which will only add to the exceptional experience that comes with living here,” Randolph said.

Additionally, a telemedicine network will connect the entire facility to MUSC Health providers in downtown Charleston for additional care and consultation.

“People living in this area have to travel 30 or 45 minutes to reach the nearest hospital, sometimes more depending on traffic. That’s a big problem for someone having a stroke or cardiac event,” said Patrick J. Cawley, M.D., MUSC Health CEO and vice president for Health Affairs, University. “This new facility brings that care directly into the community. We’re extremely grateful to Kiawah Partners for helping to make that possible.”

Leaders say the project is estimated to cost $24 million. MUSC is working to raise $15 million of that cost in private support.

McMillan Pazdan Smith (MPS) was chosen to design the project back in June.

Construction on the Sea Islands project is expected to begin in early 2022 and conclude in fall 2023.

SIB “Bird of the Week” – American Redstart

American Redstart – Setophaga ruticilla Length: 5.25″; Wingspan: 7.75″; Weight: 0.29 oz.While the American Redstart is a wood-warbler and part of the Parulidae Family, it is the only warbler species in the Setophage Genus. David Sibley, in his Field Guide to Birds index, does not list it among the warblers, but alone under Redstart. They do migrate, in treed habitats, along the SC coast line. My only sightings have been in New York and Massachusetts. This is a very colorful, mid...

American RedstartSetophaga ruticilla Length: 5.25″; Wingspan: 7.75″; Weight: 0.29 oz.

While the American Redstart is a wood-warbler and part of the Parulidae Family, it is the only warbler species in the Setophage Genus. David Sibley, in his Field Guide to Birds index, does not list it among the warblers, but alone under Redstart. They do migrate, in treed habitats, along the SC coast line. My only sightings have been in New York and Massachusetts. This is a very colorful, mid-size warbler with what The Cornell Lab of Ornithology calls “a fairly long, expressive tail.”

An adult male could be described as a Halloween bird. It has a black head and back with splashes of orange on the wing tops, along the sides under the wings, and, in a unique pattern, on the tail. The colors are similar to the Baltimore Oriole, but in a very different pattern of orange on a bird that is 3.5 inches longer than the redstart and weighs 1.2 ounces. An adult female American Redstart has a gray head and the color splashes are more yellow. The larger Blackburnian Warbler also displays orange, but only on the throat.

Typically, warbler behavior is to always be on the move. This makes it difficult to differentiate among those of similar coloration. The flashier redstart is incredibly active as it darts about, colorful tail fanned. to flush insects from their hiding places. The insects are then chased in short flights and plucked from the air. Their winter habitat (Central America, Cuba, and the northern countries of South America) is tropical and at lower to middle elevations of woodlands. In migration, they tend to stay within protected treed areas as opposed to the open coastal plain. The breeding habitat, which extends from inland South Carolina to Canada, would normally be somewhat open wooded areas of primarily deciduous trees.

The Seabrook Island chart of bird species shows the American Redstart as an occasional visitor. Our live oaks would seem to fit their habitat preference. Local experience indicates there’s a better chance of observing them from late August through October (fall migration). We saw them at Palmetto lake last fall and SIBirder Joleen Ardaiolo saw one in her backyard last week.

If you would like to learn more about this bird visit:

Article submitted by: George Haskins originally Oct, 2016(reposted)

Photographs provided by: Ed Konrad

This blog post is part of a series SIB will publish on a regular basis to feature birds seen in the area, both migratory and permanent residents. When possible we will use photographs taken by our members. Please let us know if you have any special requests of birds you would like to learn more about.

Learning Together on Golf Course-Ocean WindsMonday, August 30,2021 8:30am-10:30amBirding on Ocean Winds Golf CourseLocation: Meet at Island House (Golf Course Parking Lot next to Spinnaker Beach Houses) for ride along the golf course in golf carts.Max: 20Cost: None for members; $5 donation for guests

The Seabrook Island Club closes one course a day each week and allows Seabrook Island Birders to use golf carts to travel the course with our members to bird. Join us for a morning of birding by RIDING in golf carts for at least 9-holes on Ocean Winds golf course. We expect to see a large variety of birds including Egrets, Herons and birds of prey. We will also see and hear some of the smaller birds like Tufted Titmice, Eastern Bluebirds, Northern Cardinals, Carolina Wrens and some of the many warbler species. We can also expect to see Eastern Kingbirds, Great-crested Flycatchers, Orchard Orioles, Summer Tanagers, Mississippi Kites and more!

As always, be sure to bring your binoculars, hats and sunscreen. Water will be provided.

If you are not yet a 2021 SIB member, you must first become a member for only $10 by following the instructions on our website: https://seabrookislandbirders.org/contact/join-sib/. Or you may pay the Guest Fee of $5.

Please complete the information below to register no later than Friday August 27, 2021. All registrants will receive a confirmation letter on Sunday, August 29th.

Golf: Charleston known for its history, restaurants and golf courses

Golf and boxing are two very different sports, but Terry Sedalik, executive director of the S.C. and Charleston Golf Course Owners Associations, offers an analogy from boxing circles when he talks about golf in the Charleston area.“We are fighting above our weight class,” Sedalik said in talking about the growing popularity of golf in Charleston. People come to Charleston for its history and its vibrant restaurant scene, he said. But those same people, pros and everyday Joes, also visit Charleston for its golf.Golf ...

Golf and boxing are two very different sports, but Terry Sedalik, executive director of the S.C. and Charleston Golf Course Owners Associations, offers an analogy from boxing circles when he talks about golf in the Charleston area.

“We are fighting above our weight class,” Sedalik said in talking about the growing popularity of golf in Charleston. People come to Charleston for its history and its vibrant restaurant scene, he said. But those same people, pros and everyday Joes, also visit Charleston for its golf.

Golf in America actually is rooted in Charleston. The earliest record of the game in the New World was a 1739 shipment of golf clubs from Scotland to businessman William Wallace of Charleston. The game was played on Harleston Green, a public area on the peninsula of Charleston that eventually was overtaken by homes and the College of Charleston.

In May 2021, the golf world was focused on Kiawah Island Golf Resort when 50-year-old Phil Mickelson won the PGA Championship at the Ocean Course, a challenging Pete Dye design that has been a mainstay in golf course rankings since opening in 1991 for the Ryder Cup Matches. Throughout the CBS broadcast from the PGA Championship, the announcers offered high praises to a worldwide television audience not only for the Ocean Course but for golf courses throughout the Charleston area.

Sedalik said all of the Kiawah courses and neighboring Seabrook Island golf courses were booked solid during Mickelson’s march to victory and future bookings look positive. The residual from such an event can last for a year or more. And it spread to other area golf courses.

Even as the Mickelson buzz continued, Charleston golf got more national recognition in June when Golf Magazine unveiled its first-ever ranking of America’s top 30 municipal golf courses. Charleston Municipal, which reopened in December 2020 following a yearlong renovation by local course architect Troy Miller, made the list at No. 19, a list that included Torrey Pines, site of the 2021 U.S. Open, Bethpage Black and Chambers Bay, all major championship venues.

That buzz has been going on for a number of years. In addition to the two PGA Championships and Ryder Cup at the Ocean Course, the USGA (U.S. Golf Association) held its 2013 U.S. Women’s Amateur and 2019 U.S. Women’s Open at the Country Club of Charleston. An LPGA tournament was held for two years at RiverTowne Country Club in Mount Pleasant.

In addition to Kiawah Island Golf Resort, Charleston also is noted for two other quality resorts — Wild Dunes on the Isle of Palms and Seabrook Island, adjacent to Kiawah Island. There also are numerous public, semi-private and private courses in the area designed by some of the country’s top architects. And even though courses are plentiful, it can be difficult to book a tee time because of a resurgence in popularity. Golf courses were among the first public facilities to reopen during the coronavirus pandemic.

“We had a real opportunity, despite the pandemic or because of the pandemic, to keep golf open as a safe sport,” Sedalik said. “We did a lot with government officials to make sure standards were in place and that was able to keep the doors open in our business. We were open and people began to have a social life. They are playing together, getting out and getting some exercise and forming relationships. I think that is going to continue.”

There are lots of great reasons to visit Charleston, and golf ranks right at the top.

See where the most expensive homes are located in the Charleston metro area

Buying a home is an investment—and an increasingly expensive one. The median value of a home in the United States today is $281,370, an 11.6% increase over the last year. Meanwhile, the median monthly housing cost for a home with a mortgage is $1,558 and $490 without a mortgage....

Buying a home is an investment—and an increasingly expensive one. The median value of a home in the United States today is $281,370, an 11.6% increase over the last year. Meanwhile, the median monthly housing cost for a home with a mortgage is $1,558 and $490 without a mortgage.

Stacker compiled a list of cities with the most expensive homes in the Charleston-North Charleston, SC metro area using data from Zillow. Cities are ranked by the Zillow Home Values Index for all homes as of June 2021.

Homebuyers have a lot to consider when house-hunting or looking to invest in rental properties, from the state of the housing market itself to taxes and potential resale value. The housing market grew robust and pricey in the decade following the 2008 recession, and more recently saw a boom during the coronavirus pandemic. Another consideration is the house itself, including what kind of upkeep it requires and those associated costs. Depreciation affects all homes at an average rate of 3.636% each year, which can be a help come tax season if you use your home for business or rentals but may cost you later in capital gains taxes when you sell. Meanwhile, land value tends to increase over time depending on several factors including where the house is located and what amenities and homes are nearby. More desirable neighborhoods allow sellers to charge more; the mantra “location, location, location” has never been more relevant.

How does your city rank? See the cities with most expensive houses in Charleston-North Charleston, SC metro below:

#10. Charleston, SC ($396,818)– 1 year price change: +14.2%– 5 year price change: +33.8%

#9. Wadmalaw Island, SC ($472,152)– 1 year price change: +9.6%– 5 year price change: +35.1%

#8. Awendaw, SC ($502,625)– 1 year price change: +13.0%– 5 year price change: +31.6%

#7. Meggett, SC ($540,169)– 1 year price change: +12.5%– 5 year price change: +32.0%

#6. Mount Pleasant, SC ($563,117)– 1 year price change: +15.4%– 5 year price change: +26.7%

#5. Seabrook Island, SC ($594,903)– 1 year price change: +20.0%– 5 year price change: +29.2%

#4. Folly Beach, SC ($893,856)– 1 year price change: +16.7%– 5 year price change: +38.1%

#3. Isle of Palms, SC ($1,018,470)– 1 year price change: +17.3%– 5 year price change: +31.3%

#2. Kiawah Island, SC ($1,170,442)– 1 year price change: +15.7%– 5 year price change: +17.4%

#1. Sullivans Island, SC ($2,509,086)– 1 year price change: +17.4%– 5 year price change: +48.4%

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