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 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 Summerville or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Summerville, SC

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:

 Senior Medicare Advantage Plan Insurance Summerville, SC

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 Medicare 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 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 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 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:

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:

 Senior Medicare Plans Summerville, SC

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.

For many people, the best time to buy senior Medicare Supplement Plan Insurance in Summerville is during the 7 months 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 Medicare Insurance Services 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:

 Medicare Plans Summerville, SC

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.

 Senior Health Insurance Summerville, SC

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 Summerville. 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
 Healthcare Summerville, SC

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.

 Burial Insurance Summerville, SC

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.
 Medicare Advantage Summerville, SC

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, SC

Earthquake Breaks Extended Pause in South Carolina Swarm

Central South Carolina experienced a weak earthquake Tuesday, ending a 3-week pause in earthquake activity that has rocked the area around Elgin, South Carolina.At 11:01 am Tuesday, a weak 1.9 earthquake hit just east of Elgin, South Carolina at a depth of 3.1 km. The last time an earthquake struck here was on September 1, when a weak 1.5 earthquake struck near Centerville; before that, a 1.6 magnitude event hit near Lugoff on August 27. For much of the summer, the area was experiencing nearly daily earthquakes, with thousands of repo...

Central South Carolina experienced a weak earthquake Tuesday, ending a 3-week pause in earthquake activity that has rocked the area around Elgin, South Carolina.

At 11:01 am Tuesday, a weak 1.9 earthquake hit just east of Elgin, South Carolina at a depth of 3.1 km. The last time an earthquake struck here was on September 1, when a weak 1.5 earthquake struck near Centerville; before that, a 1.6 magnitude event hit near Lugoff on August 27. For much of the summer, the area was experiencing nearly daily earthquakes, with thousands of reports of shaking coming in from concerned residents throughout the area.

Several dozen earthquakes have struck seismically active South Carolina since December. These weak to moderate earthquakes struck after a swarm came and went in December. The mysterious swarm began on Monday, December 27, at 2:18 pm in the afternoon. That first 3.3 magnitude earthquake hit 30 miles north of Columbia, South Carolina at a depth of only 3.1 km. More than 3,100 residents reported to USGS they felt it at the time, with one report of shaking coming from as far away as Rock Hill, which is at the North/South Carolina state border. While many felt the earthquake, there was no reported damage in the Palmetto State. That earthquake was followed by 10 more ranging in intensity between a magnitude 1.5 to a magnitude 2.6 event. The second earthquake struck three hours twenty minutes after the first one. The last earthquake in that series struck on the morning of January 5, bringing a temporary end to the earthquakes there.

According to USGS, a swarm is a sequence of mostly small earthquakes with no identifiable mainshock. “Swarms are usually short-lived, but they can continue for days, weeks, or sometimes even months,” USGS adds. However, the South Carolina event doesn’t fit the typical definition of a swarm since the first event was substantially larger than the rest.

According to USGS, “aftershocks” are a sequence of earthquakes that happen after a larger mainshock on a fault. “Aftershocks occur near the fault zone where the mainshock rupture occurred and are part of the ‘readjustment process’ after the main slip on the fault,” says USGS. However, aftershocks of a 3.3 magnitude earthquake would only last a few days, not the week plus they have.

According to the South Carolina Emergency Management Division (SCEMD), there are approximately 10-15 earthquakes every year in South Carolina, with most not felt by residents; on average, only 3-5 are felt each year. Most of South Carolina’s earthquakes are located in the Middleton Place-Summerville Seismic Zone. The two most significant historical earthquakes to occur in South Carolina were the 1886 Charleston-Summerville earthquake and the 1913 Union County earthquake. The 1886 earthquake in Charleston was the most damaging earthquake to ever occur in the eastern United States; it was also the most destructive earthquake in the U.S. during the 19th century.

Experts are concerned that a large scale earthquake will strike at some point of the future and bring about significant damage and loss of life. While more than 100 years have passed since the last large earthquake, a 2001 study titled “Comprehensive Seismic Risk and Vulnerability Study for the State of South Carolina” confirmed the state is extremely vulnerable to earthquake activity. The study, based on scientific research, provided information about the likely effects of earthquakes on the current population and on modern-day structures and systems, including roadways, bridges, homes, commercial and government buildings, schools, hospitals and water and sewer facilities.

No one is sure what’ll become of this steady stream of light earthquakes or whether or not something larger is looming. For now, the SCEMD has been sending out Tweets to the people of South Carolina encouraging them to be prepared for any disaster this year –earthquakes included.

Do you know what to do if an #earthquake hits while you’re in ? Have a & next to your .Stay in , don’t risk injury on potential hazards. Turn onto your stomach. Cover your head & neck with a pillow. Wait until the shaking stops. Put on before leaving . pic.twitter.com/m5QeE12IEK

— SCEMD (@SCEMD) January 6, 2022

Summerville boxing class helping people with Parkinson’s disease

SUMMERVILLE, S.C. (WCSC) - For many people, when they first hear they have Parkinson’s Disease, it can be scary and worrisome. But, a group of people attending a boxing class called Rock Steady Boxing in Summerville, say it’s helping slow the progression of the disease.Dennis Tianello has been coming to Rock Steady Boxing at Title Boxing in Nexton for two months now.“My doctor, when I was first diagnosed and everything, I couldn’t walk to his exam room without touching the wall four or five times in the ...

SUMMERVILLE, S.C. (WCSC) - For many people, when they first hear they have Parkinson’s Disease, it can be scary and worrisome. But, a group of people attending a boxing class called Rock Steady Boxing in Summerville, say it’s helping slow the progression of the disease.

Dennis Tianello has been coming to Rock Steady Boxing at Title Boxing in Nexton for two months now.

“My doctor, when I was first diagnosed and everything, I couldn’t walk to his exam room without touching the wall four or five times in the hallways,” Tianello said. “I went back to see him after doing this for a month and he says ‘Dennis, I watched you walk down the hall way. You didn’t even touch the wall.”

Parkinson’s is a progressive disorder that affects motor movement. Through this boxing class, folks say they’ve seen their balance, coordination, and strength improve.

Annie Barra, the lead trainer at Title Boxing, says they recognize the disease is still there, but the program helps slows it down.

“They box and they move around and we challenge them to different things,” Barra said. “It’s a great group of people and it brings them together where they may have felt uncomfortable, we make it comfortable.”

Paul Werksman was diagnosed with Parkinson’s about two months ago, even though he says he had many symptoms long before that. When he got his diagnosis, he started attending Rock Steady Boxing.

“Just being able to work it out and get better myself,” Werksman said. “I know I’ve lost my voice quit a bit. That’s why Don has us speaking very loudly.”

While it’s completely non-contact boxing, Bob Rodenkirk says one of his favorite things in the class is when he gets to go one-on-one with an instructor.

“They’ll get one of those belts on and they’ll say okay, give me everything you’ve got, don’t hold back,” Rodenkirk said. “And boom, boom, boom, boom.”

Rodenkirk says he was diagnosed with Parkinson’s five years ago. He says this boxing class has helped him stabilize things and has helped him feel normal.

The instructor of the class, Donald Wright, says they do more than just boxing. The goal is to get these folks moving and exercising, which is something doctors tell many people with Parkinson’s to do.

“We have a bend, lift, stretch, voice, you toss balls, stack cones, lift, weights, get on the floor, planks, push ups, sit ups if you can,” Wright said.

Rodenkirk says he’s been surprised by the impacts he’s had from Rock Steady Boxing.

“My doctors told me, you’re not going to lose if you try boxing,” Rodenkirk said. “You may think it sounds stupid or I’m just gonna get pounded, but it’s not that at all.”

Many of the fighters added that Rock Steady Boxing has been a great way for them to build new friendships and realize they aren’t alone in their Parkinson’s journey.

The class is held three days a week. Title Boxing owner Chris Bowen says they are always accepting new members. He added that anyone with Parkinson’s Disease interested in joining can come watch a class before attending. More information on the gym can be found on their website.

Copyright 2022 WCSC. All rights reserved.

Overtime heroics push Newberry past Emory & Henry

EMORY, Va. – Needing to push the game into a second overtime period, the nationally ninth-ranked Newberry College (3-0, 1-0 SAC) football team was able to take home the hard-fought 26-23 win over Emory & Henry in their first South Atlantic Conference contest of the season.Redshirt-sophomore Mario Anderson (Summerville, S.C.) scampered for 101 yards on the day on 16 carries, including the game winning touchdown in ...

EMORY, Va. – Needing to push the game into a second overtime period, the nationally ninth-ranked Newberry College (3-0, 1-0 SAC) football team was able to take home the hard-fought 26-23 win over Emory & Henry in their first South Atlantic Conference contest of the season.

Redshirt-sophomore Mario Anderson (Summerville, S.C.) scampered for 101 yards on the day on 16 carries, including the game winning touchdown in the second overtime. Graduate student Dre Harris (Greenville, S.C.) picked up 52 yards on the ground while accounting for 182 through the air and a touchdown. That touchdown was to graduate student Deshun Kitchings (Aiken, S.C.) who only accounted for two receptions on that afternoon for 77-yards.

Junior Luke Taylor (Summerville, S.C.) led the Wolves defensively with eight total tackles on the afternoon including one sack in overtime for a six-yard loss. Senior Devante Gambrell (Anderson, S.C.) notched seven tackles in the contest and recorded a sack for nine yards. Junior Carson Smith (Abbeville, S.C.) was able to force a fumble while redshirt-junior Melvin Lundy (Sumter, S.C.) led the defensive backfield with a pair of pass breakups.

The Wolves waited no time getting on the board as after a near first-down gaining rush by Anderson, Harris found Kitchings in one-on-one coverage down the left sideline and hit him in stride for a 62-yard strike to give the Wolves the 7-0 lead just 38 seconds into the contest. The two teams would trade three-and-outs before Emory & Henry was able to methodically drive down the field to pull even with the Wolves at seven.

Newberry would put three more points on the board on their next drive as redshirt-senior Lawson Reel (Johnston, S.C.) was able to hit from 23-yards out and give the Wolves the 10-7 lead. Reel would be called upon for the first score of the second quarter for Newberry as well as in their second drive of the he would knock a 25-yard attempt through the uprights and extend their lead to 13-7. The Wasps would convert on their field goal attempt on the next drive to pull the score to 13-10, a margin that would hold to the halftime break.

The Wolves would force the Wasps to turn over the ball on downs on their first drive of the second half as a sack on fourth down by redshirt-senior Craig Barksdale (Easley, S.C.) gave the Wolves the ball on their own 36. A deep pass from Harris to graduate student Bryson Woodruff (Roebuck, S.C.) for 49-yards set the Wolves power formation up on the one-yard line where Harris would punch in it in and extend the Newberry advantage to 20-10.

The Wasps responded again with a touchdown of their own on their next drive and would kick the fourth quarter off with a field goal conversion to level the game at 20. The two teams traded scoreless drives before the Wolves would set themselves up in prime position to win the game with the ball and just over two minutes left in the contest. However, a forced turnover in the red zone brought that drive to a halt and forced the overtime period.

Both sides set-up for field goals in the opening overtime period with the Wasps having the opportunity to win the contest, however both sides missed their conversions and they moved into a second overtime period. This time a three-and-out for the Wasps would set-up a 40-yard field goal attempt that they would knock through the uprights to take the 23-20 lead. Newberry however would only need to run three plays in the second overtime period, all three rushes by Anderson that was capped off by an 11-yard touchdown run up the middle to secure the 26-23 win.

Newberry returns home next weekend after their two-week road trip as they welcome in the Flying Fleet of Erskine College to Setzler Field for a 6:00 p.m. kick.

A new library is coming soon to Summerville

Hey Summervillians, have you heard the news? A new 20,000-sqft library is coming soon to Oakbrook, and we can’t wait grab a library card and check it out.The Oakbrook Library at the Ashley River broke ground last week in this fast-growing neighborhood, which has experienced a recent population + business boom.Funding for the project was s...

Hey Summervillians, have you heard the news? A new 20,000-sqft library is coming soon to Oakbrook, and we can’t wait grab a library card and check it out.

The Oakbrook Library at the Ashley River broke ground last week in this fast-growing neighborhood, which has experienced a recent population + business boom.

Funding for the project was supported by a 2019 bond referendum voted for by citizens. The county considers this project to be an investment in the community. Look forward to both traditional and modern library services at the new digs.

SeamonWhiteside, a site design firm with offices in Mt. Pleasant and Summerville, joined the project team and will be completing the land planning, civil engineering, and landscape architecture for the library. The firm will work closely with architecture and design firm McMillan Pazdan Smith. Also on the team are RMF Engineering, ADC Engineering, and HITT Contracting.The library is not the only thing Dorchester County has to celebrate. Ashley River Park recently opened on the banks of the Ashley River off of Bacon’s Bridge Road. This 80+ acre park features dog parks, playground and picnic areas, and a walking trail for community members to enjoy. Here’s the cool part: The park is located across the street from the upcoming library.

Oakbrook Library is expected to be completed late next year, so mark your calendars and book it to 2830 Bacons Bridge Rd. when it opens. In the meantime, we’ll keep an eye out for updates.

ENGESER USA Corp. establishing first North American manufacturing operation in Dorchester County

COLUMBIA, S.C. – ...

COLUMBIA, S.C. – ENGESER USA Corp., a world leading cable specialist, today announced plans to establish operations in Dorchester County. The company’s $1.5 million investment will create 26 new jobs.

Founded in 1983 and headquartered in Schramberg, Germany, ENGESER USA Corp. designs and manufactures high-quality products for cable and connection technology ranging from classic cable assembly to comprehensive system solutions. A family-owned company, ENGESER USA Corp. serves automotive applications, consumer and capital goods, solar engineering, rail technology and more.

Located at 115 Fabricators Street in Summerville, ENGESER USA Corp.’s Dorchester County facility is the company’s first North American manufacturing operation and will allow the company to offer direct delivery domestically and to European customers. The new facility will utilize modern technologies to produce cost-optimized, high-quality cable harnesses, one of ENGESER USA Corp.’s core areas of expertise.

Operations are expected to be online by September 2022. Individuals interested in joining the ENGESER USA Corp. team should visit the company’s careers page.

The Coordinating Council for Economic Development has awarded a $75,000 Set-Aside grant to Dorchester County to assist with costs related to this project.

QUOTES

“From the search for a location to the founding of the company, we were professionally accompanied by Dorchester County and the South Carolina Department of Commerce. As an experienced cable assembly products supplier, we are confident that we can add value to our customers in the United States. We intend to continue growing in Summerville and want to become an attractive employer.” -ENGESER USA Corp. Managing Director Dirk Kinzel

"South Carolina has earned a global reputation as an ideal location for companies to do business, and we are happy to welcome ENGESER USA Corp. to our roster of international firms operating in our state. We look forward to the impact they will make in the Dorchester County community and across all of South Carolina.” -Gov. Henry McMaster

“We congratulate ENGESER USA Corp. on their first North American operation right here in South Carolina. By locating in Dorchester County, ENGESER USA Corp. is telling the world that our state has the workforce and business-friendly environment in place to attract companies of all types. We look forward to a strong partnership for many years to come.” -Secretary of Commerce Harry M. Lightsey III

“We welcome ENGESER USA Corp. to Dorchester County and thank them for selecting us as their first location within the U.S. On behalf of the county, congratulations, and best wishes for future success.” -Dorchester County Council Chairman Bill Hearn

“We are pleased ENGESER USA Corp. selected the Charleston region for its first U.S. operation. They join an established group of German companies who are thriving here, and we look forward to ENGESER’s continued growth and expansion. The company will be a tremendous asset to our growing automotive cluster.” -Charleston Regional Development Alliance Board Chairman Mike Fuller

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