Senior Medicare Advantage plan insurance in Summerville, 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 Summerville

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 Summerville, 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 Summerville

Help still wanted as the number of new businesses skyrocket

SUMMERVILLE, S.C. (WCSC) - The middle of a pandemic doesn’t seem like the best time to try to start a business, yet more and more entrepreneurs are doing just that. They’re leaving their long-time jobs for new opportunities to make more money, find a dream job or simply gain more freedom and flexibility.Rebecca Collett made the decision to start her own public relations and videography business in Summerville during the pandemic. She says the last two years have been a wake-up call for how important it is to have flexibili...

SUMMERVILLE, S.C. (WCSC) - The middle of a pandemic doesn’t seem like the best time to try to start a business, yet more and more entrepreneurs are doing just that. They’re leaving their long-time jobs for new opportunities to make more money, find a dream job or simply gain more freedom and flexibility.

Rebecca Collett made the decision to start her own public relations and videography business in Summerville during the pandemic. She says the last two years have been a wake-up call for how important it is to have flexibility at work, especially given the disruption COVID-19 has had on schools.

“Women have so much to offer, especially moms and we shouldn’t be marginalized and cut out of the workforce because we have children to take care of,” Collett said. “You can be a great mom and take care of your children and still contribute to the workforce and that’s what owning my own business has been about.”

Flexibility and the ability to work from home is becoming a more and more desired perk of any job. Collett says she believes there’s a shift in business happening right now that’s creating opportunities for ambitious entrepreneurs.

“I think companies realized they had to change the way they were doing business. Some of the roles that I have secured for myself and for my business were actual positions within companies that now they just contracted out to me,” Collett said. “It is so important that to me that I have the flexibility of working, using my skills set, using my degree and all of my experience but I can still do drop off and pick up with my kids.”

This “great reshuffling” of priorities is leading more people into the workforce, just not back into traditional jobs. Rita Berry, president and CEO of the Chamber of Commerce in the Summerville area says despite having more people employed than before the pandemic, businesses across almost all sectors are still struggling to get fully staffed.

“It’s not that people are sitting home collecting unemployment,” Berry said. “A lot of people are taking this opportunity to either become entrepreneurs, to work remotely. In addition to that, there’s also been an increase in retirees, a lot of the baby boomers are retiring. And at a much larger pace than they were pre-COVID-19.”

Data from the United States Bureau of Labor Statistics shows the number of people quitting their jobs hit a 20 year high in 2021. Despite the number of people quitting their jobs, there were more than 5,000 more people in the workforce in 2021 than in 2019 for the Charleston Metro Area. At the same time, the number of new businesses applications has skyrocketed 40 percent.

“Where there’s change, there’s opportunity,” Berry said. “So we’re seeing people who have, perhaps considered doing something on their own, taking this opportunity to reconsider their traditional work schedule, their work environment and take this opportunity to become an entrepreneur and just start their own business.”

The sectors in the economy bleeding the most workers are professional services and hospitality. Berry says businesses can shore up retention and even attract new employees by increasing wages, reducing education requirements and offering sign-on bonuses.

Copyright 2022 WCSC. All rights reserved.

Dorchester Habitat for Humanity expands annual women build to whole month

SUMMERVILLE — Dorchester Habitat for Humanity is aiming for at least 200 women to work on one of its upcoming homes.Every year, around International Women’s Day in March, Habitat celebrates its annual Women Build. It’s typically a daylong or weeklong program where local women volunteers get to work on one of the homes for a Habitat recipient.The program also acts as a fundraiser, with volunteers paying to participate in the event.This year, Dorchester Habitat has opted to expand the event by moving it u...

SUMMERVILLE — Dorchester Habitat for Humanity is aiming for at least 200 women to work on one of its upcoming homes.

Every year, around International Women’s Day in March, Habitat celebrates its annual Women Build. It’s typically a daylong or weeklong program where local women volunteers get to work on one of the homes for a Habitat recipient.

The program also acts as a fundraiser, with volunteers paying to participate in the event.

This year, Dorchester Habitat has opted to expand the event by moving it up from March to February and making it a monthlong celebration. Seventy volunteers worked on last year’s house.

“We just blew it out of the water last year,” said Moriah Hollander, development director for Dorchester Habitat for Humanity. “Now it’s a month.”

Habitat for Humanity is an organization dedicated to helping people attain affordable homeownership. Many of the recipients are often single mothers who wouldn’t be able to afford a home without additional support and guidance from Habitat.

Dorchester Habitat has built more than 70 homes in the last 26 years. Before the pandemic, it was averaging about five homes a year. In the last two years, with issues like construction delays, it’s been closer to between one and three.

But in 2021, Dorchester was able to raise around $5,000 through the Women Build event. Hollander said she believes the big turnout had to do with timing.

Many residents had been cooped up in their homes during the pandemic and were looking for opportunities to get out.

She also said the program ends up being a lot of fun for the women involved. She compared it to a girls day out without the shopping. Participants usually end up learning a lot about construction, she said.

“You can ask questions, make mistakes,” she said. “That just makes it a little more fun.”

Amy Hicks, a Summerville resident, caught the Habitat home building bug after attending the Women Build event last year.

She said for years she wanted to volunteer with Habitat but couldn’t due to health reasons. During the pandemic, she got in shape and in 2021 felt healthy enough to participate in the Women Build.

“I enjoyed it so much that I decided to continue,” she said.

She joined a group called the Faithful Few that routinely works on Habitat homes throughout the year. According Hicks, she is one of the only women who is part of the group.

The Women Build event ended up being an opportunity for her to be around other women and learn from them, as well as from Habitat staff.

It was “rewarding” to do something most people think only men can do, she said.

Hicks is planning to get more women involved. This year she invited a friend to go to the event with her.

Beyond that, what really keeps her coming back are the home recipients.

“It’s encouraging to keep working and know that you’re doing this for someone who is in need of affordable housing,” she said.

Those receiving a home through Habitat have to complete more than 400 volunteer or sweat equity hours. So typically volunteers work alongside the future homeowner.

Michele Scibetta’s new home will be the focus for the Women Build. It will be nearly completed by the end of February. Scibetta is a single mother to 7-year-old Joseph.

She learned about Habitat from a friend after realizing she wouldn’t be able to afford a home on her own. Mortgage payments through Dorchester Habitat average around $650 a month.

Having participated in last year’s Women Build, Scibetta said she is excited and grateful that her home will be the focus this year. She said she has learned so much from other women at the event and Habitat staff.

She’s also excited about having her own washer and dryer and seeing her son play in the backyard.

“I’m almost speechless that this is happening,” Scibetta said. “As the steps go on, it hits you.”

This year, Hollander said the goal is to get close to $5,000 again in fundraising while recruiting even more women to participate.

To learn more about the Women Build event, people are encouraged to go the website at dorchesterhabitat.org. If a group of women wants to sign up or a business wants to sponsor, they can email events@dorchesterhabitat.org.

Around 130 women have currently signed up.

“Every time I volunteer, I learn something,” Scibetta said.

Summerville woman looking for answers after Walmart gift card scam

SUMMERVILLE, S.C. (WCBD) – A Lowcountry woman is looking for answers after she said a Walmart gift card she received, ended up being a scam.Alicia Windham is a mother of three, who lives in Summerville. She said her father gave her a $100 Walmart gift card for Christmas. Windham said the card was purchased at the Walmart located on Saint James Avenue in Goose Creek on December 8th.Windham told News 2, she tried to use the gift card the day after Christmas, but to her surprise, she said it had no money on it....

SUMMERVILLE, S.C. (WCBD) – A Lowcountry woman is looking for answers after she said a Walmart gift card she received, ended up being a scam.

Alicia Windham is a mother of three, who lives in Summerville. She said her father gave her a $100 Walmart gift card for Christmas. Windham said the card was purchased at the Walmart located on Saint James Avenue in Goose Creek on December 8th.

Windham told News 2, she tried to use the gift card the day after Christmas, but to her surprise, she said it had no money on it.

“I got a bunch of stuff because there was supposed to be $100 on the gift card,” said Windham. “Thank God I had some other money on me because the lady slid the card twice and she said ‘Ma’am, this has zero balance.’”

After that, Windham said she went to Customer Service, where they told her the gift card was already been used multiple times in other states. They printed her a receipt with the card’s purchase history.

Windham reached out to Walmart to see what could be done to get the money back.

Windham shared Walmart’s response with News 2. The email from the retailer read:

“We have reviewed your inquiry. Unfortunately, we have determined that your case does not fall under the terms and conditions of a compromised gift card. We are unable to refund or replace this card.”

The email continued, “Walmart is not liable for lost, stolen or compromised funds.”

Bailey Parker with the South Carolina Department of Consumer Affairs said this is one way scammers target gift cards.

“They will actually take the cards and they’ll copy the numbers off the back. They’ll even copy the pin,” Parker explained.

She said after that, the scammers will attempt to use the card repeatedly until it goes through, which is when it has been purchased.

When purchasing a gift card, Parker said there are a few ways consumers can avoid being scammed.

She said to make sure the gift card hasn’t been tampered with. Another tip is to buy gift cards that are behind the counter, if available.

Parker said it’s best to use gift cards sooner, rather than later. She said if they are being purchased as gifts, they should be bought last minute. The last tip is to register the gift card if the option is there.

News 2 reached out to Walmart. While they didn’t provide a statement, they said they would contact Windham.

Summerville shopping center sells for nearly $26M

You’re seeing The Post and Courier’s weekly real estate newsletter. Receive all the latest transactions and top development, building, and home and commercial sales news to your inbox each Saturday here.Another Charleston-area ...

You’re seeing The Post and Courier’s weekly real estate newsletter. Receive all the latest transactions and top development, building, and home and commercial sales news to your inbox each Saturday here.

Another Charleston-area shopping center recently changed hands at nearly twice the price paid for it eight years ago.

Greensboro, N.C.-based Koury Corp. bought the Harris Teeter-anchored Sawmill Village Shopping Center at 680 Bacons Bridge Road in Summerville on Dec. 16 from Ferncroft Capital of Charlotte for $25.7 million, according to Dorchester County land records.

Ferncroft bought the 13.5-acre retail site in 2013 for $13.46 million, according to property records.

The commercial transaction comes a few days after Stiles Corp. of Fort Lauderdale, Fla., sold the less-than-three-year-old, Publix-anchored Point Hope Commons Shopping Center in Charleston for almost $29 million.

The buyer of the retail center in the sprawling Cainhoy Plantation development on Clements Ferry Road was an affiliate of Prudential Real Estate Advisors of Madison, N.J., according to Berkeley County land records.

Another newly built Charleston apartment building changed hands in December while a Charlotte firm plans to transform a North Charleston office building after paying more than $6 million for the highly visible site beside Interstate 26.

3: Number of new restaurants now open or on the way in Charleston, North Charleston and Pringletown in Berkeley County.

52: The number of the U.S. highway that runs through Goose Creek and Moncks Corner. The Berkeley County corridor is being studied to form a blueprint for future growth.

111,175: Number of homes sold across South Carolina through November, breaking last year’s record sales in 11 months.

+ Moving on: Brian Hicks writes The Jasper, an upscale project several years in the making on Charleston’s southern peninsula, is open for business and 99 percent occupied as the controversy and legal fight surrounding its construction is in the rearview mirror.

+ Policy shift: North Charleston is reconsidering its short-term vacation rental policy.

+ Law school lawsuit: The Charleston School of Law is suing the city of Charleston, alleging it is holding up a nearly $13 million land sale to a hotel developer.

Slim Chickens is a fast-casual restaurant chain based in Fayetteville, Ark. Franchisees plan to open nine new restaurants in eastern South Carolina, in Charleston, Florence and Myrtle Beach.

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Q&A with artist Meg Thompson

You may have heard of Meg Thompson, the co-owner of Creative Consulting here in Summerville. However, she is also an artist, mostly self-taught.A graduate from Charleston Southern University with a Bachelors in graphic design and a minor in computer science, she grew up here and still holds a deep love for the vibrant local community. IAmPickledTink is the name of her ceramic arts business in her home studio in North Charleston.I recently caught up with her just before Christmas at an art vendor’s night outside of the Oak...

You may have heard of Meg Thompson, the co-owner of Creative Consulting here in Summerville. However, she is also an artist, mostly self-taught.

A graduate from Charleston Southern University with a Bachelors in graphic design and a minor in computer science, she grew up here and still holds a deep love for the vibrant local community. IAmPickledTink is the name of her ceramic arts business in her home studio in North Charleston.

I recently caught up with her just before Christmas at an art vendor’s night outside of the Oak Road Brewery.

Regan: How did you come to call your ceramic art business IAmPickledTink? What do you offer the public? You call yourself an “Artist & Pottery Witch” on your Instagram page — why is that?

Thompson: That’s a simple, funny story. I mess up my words a lot and get letters switched around, so years ago I was creating an online account for something and wanted to use “iamtickledpink” like the Crayola crayon color, but I said it wrong aloud as “iampickledtink.” It made me laugh and I decided to keep it. It was a username that followed me all the way into adulthood, and I use it as my business name for my creative passions. The tagline for “Artist & Pottery Witch” on my Instagram is a nod towards my persona as a “magical” artist. Just something for fun.

R: When you majored in graphic design, did you set out to start a company like Creative Consulting, or did you do other things first right out of college?

T: I didn’t make Creative Consulting all on my own. My fiancé and partner Stephen Slappey and I started our design company with humble beginnings while we were both still in college. By the time we both graduated, we were able to step into the industry we earned our degrees in as our careers. Even as we grew our business, I always kept art as my hobby in different forms, whether it be watercolor, drawing, crafting or pottery.

R: Working to create pottery on a potter’s wheel like in the film “Ghost” — they make it look easy, but I’m sure it’s tricky.

T: “Ghost” is the most common pop-culture reference people have to pottery. I get so many jokes and comments about it on a regular basis. Truth be told, it is only an easy and meditative craft after you have built up the muscle memory from lots of practice. It all revolves around centering and balancing your own body weight and knowing when to make specific changes to the shape of the clay. Working too fast or slow can also cause problems, so it’s definitely a learned practice you must adapt to.

R: Do you believe that most artists or artistry is done by those who are naturally inclined to create that way or do you think most people can learn art?

T: I think people can learn art, absolutely. People who are naturally inclined typically find their way out of the woodwork one way or another, but to train and strengthen that talent over time is where the real work shows.

R: Are there any plans for you to conduct graphic arts workshops too, or mainly pottery classes?

T: I do offer pottery classes from my home studio, typically in one-on-one or coupled sessions. Tickets for these sessions are available on my website.

R: Would you be delving into other art forms as time goes on or are you focused on pottery and ceramics?

T: I’ve always been interested in many art forms. I tend to jump between drawing, watercolor painting, crafting and digital art on days I’m not working with clay.

Mary E. Regan, columnist, is a freelance publicist with her ProPublicist.com consultancy.

Seeking new publicity clients and writing projects. Story ideas? Email: Mary@ProPublicist.com.

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