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

Summerville man shares story of month-long hospitalization due to COVID-19

SUMMERVILLE, S.C. (WCIV) — COVID-19 hospitalizations are on the rise across the state.DHEC said hospital with inpatient medical care are at 86% occupancy.We spoke to a local man who just got out of the hospital, after being treated for COVID-19."It took over my whole body, like I lost nearly 40 pounds," said Dee Brown, who was hospitalized with the virus for almost one month....

SUMMERVILLE, S.C. (WCIV) — COVID-19 hospitalizations are on the rise across the state.

DHEC said hospital with inpatient medical care are at 86% occupancy.

We spoke to a local man who just got out of the hospital, after being treated for COVID-19.

"It took over my whole body, like I lost nearly 40 pounds," said Dee Brown, who was hospitalized with the virus for almost one month.

Recently he came home from the hospital on oxygen.

"It was a tough journey for me. I\'ve never been in the situation of being on so much oxygen and still struggling to be able to breathe," said Brown. "It put me in a situation when I felt like I may not recover. I may not get to go home. I may never get to see my family again."

Beds are filling up around the Lowcountry.

Roper St. Francis said its Intensive Care Unit is at capacity, caring for a record number of COVID-19 patients. The hospital said they are continually bringing in new nurses and opening new units to treat patients.

The Medical University of South Carolina said there are no ICU beds available. They are treating ICU-level patients in non-ICU parts of the hospital.

Despite nursing shortages, MUSC said they are taking transfers and can handle the patients.

Trident Health System has 121 patients battling COVID-19, but they have ICU beds available.

At Ralph Johnson VA, 15 out of 21 ICU beds are full.

"I knew I had a purpose and I had to fight it. That fight kept me alive," said Brown.

Brown and his wife are expecting a daughter and already they have two kids. He said his family gave him hope while he was in the hospital.

Brown was not vaccinated.

"I didn\'t get the vaccine and I didn\'t get the vaccine because of my prior health history with having allergic reactions to pain medications," he said.

Now he wants to share this message. Brown is getting vaccinated on Monday.

"So get the vaccine, wear your mask. Protect your family and friends. If we can all do this together, we can curve this pandemic," he said.

School board member charged with leaving great grandkids in car gets $25k bond

SUMMERVILLE, S.C. (WCSC) - A Dorchester District 2 school board member charged with leaving her two great grandchildren in the car received a $25,000 PR bond on Friday after surrendering to deputies.Barbara Crosby was charged with two counts of unlawful conduct to a child and one count of statutory misconduct in office. She was given a $10,000 bond for the unlawful conduct to a child charges, and a $5,000 bond for the statutory misconduct in office charge.“We are saddened by the unfortunate allegations of Barbara Crosby&r...

SUMMERVILLE, S.C. (WCSC) - A Dorchester District 2 school board member charged with leaving her two great grandchildren in the car received a $25,000 PR bond on Friday after surrendering to deputies.

Barbara Crosby was charged with two counts of unlawful conduct to a child and one count of statutory misconduct in office. She was given a $10,000 bond for the unlawful conduct to a child charges, and a $5,000 bond for the statutory misconduct in office charge.

“We are saddened by the unfortunate allegations of Barbara Crosby’s conduct,” read a statement by Dorchester School District Two. “We will cooperate fully with the investigation and will await the outcome of legal proceedings. The Dorchester School District Two Board of Trustees and District staff will continue to work together in the best interest of staff and students during these trying times.”

Crosby surrendered to detectives just after 1 p.m. on Friday. She has a court date for Nov. 5 in St. George.

Arrest affidavits released on Friday afternoon state that Crosby left the children in a running car for an extended period of time, and that Crosby admitted to the incident. Those affidavits also state that she used her position to compel a DD2 employee to supervise the kids. According to authorities, Crosby was running late to a board meeting when she left the two children in the vehicle.

Crosby’s charges stem from an incident on Sept. 1 in the parking lot of the DD2 Adult Learning Center, in Summerville, during a Dorchester District 2 board meeting.

Deputies said their investigation started when a deputy at the district’s Adult Learning Center heard loud banging from the door, and when he opened the door, Crosby entered the building and said she was late. The sheriff’s office report states that Crosby told the deputy that she left her car in the parking lot with her 4-year-old and 9-year-old great grandchildren inside the vehicle.

Deputies said that Crosby also informed a district security officer who then told Crosby she could not leave the children in the car. According to the report, Crosby proceeded past him and into the board room while directing the security officer “to go watch them.”

The security officer then told his supervisor and the Dorchester County deputy of the situation who both went out to the parking lot and saw the car which was running with all of the doors locked.

The supervisor and deputy saw the two children with the female child still strapped into the car seat. When the deputy told the security supervisor that it was a “major safety hazard” and that he would forcefully enter the vehicle in order to get the kids, the supervisor went into the building to get the vehicle keys from Crosby who was seated at the board meeting.

The report states Crosby told the supervisor that the keys were “still in the car somewhere.” The supervisor then returned to the car and convinced one of the children to unlock the door.

The supervisor then turned off the car and removed the children. He reported that when he offered to take the children to their grandmother, the older child said they could not enter the building because they had been exposed to COVID, and also said their mother was coming from West Ashley to get them.

According to the report, the supervisor then asked a security officer to watch them until their mother arrived twenty minutes later.

The sheriff’s office report states that due to the children’s mother being on their way to pick up the children, and security watching the children, it was determined that the children were not in danger and they were not placed into protective custody.

Copyright 2021 WCSC. All rights reserved.

SC tops entire country for COVID case rate as hospital reports record COVID patient count

Charleston hospitals have reached a near crisis during this third surge of the coronavirus pandemic as South Carolina tops the rest of the nation in COVID-19 cases per capita.Roper St. Francis reported on Sept. 1 its highest COVID inpatient count ever, with more than 150 people hospitalized with the coronavirus across its facilities. Medical executives held press conference at noon near Roper Hospital in downtown Charleston to address the urgency of the situation.“There is an incredibly visible lack of coordinated public ...

Charleston hospitals have reached a near crisis during this third surge of the coronavirus pandemic as South Carolina tops the rest of the nation in COVID-19 cases per capita.

Roper St. Francis reported on Sept. 1 its highest COVID inpatient count ever, with more than 150 people hospitalized with the coronavirus across its facilities. Medical executives held press conference at noon near Roper Hospital in downtown Charleston to address the urgency of the situation.

“There is an incredibly visible lack of coordinated public health policy (in South Carolina),” said Dr. Robert Oliverio, vice president and chief medical officer of Roper St. Francis. “We have, oddly enough, declared it’s no longer a public health emergency. Frankly, I’m seeing otherwise.”

Gov. Henry McMaster lifted the state of emergency in South Carolina in June, declaring at the time it was no longer necessary. He has urged citizens to be careful and to get a vaccine, but he has simultaneously opposed mandatory masking in schools, putting him at odds with school leaders and public health experts. A spokesman for McMaster’s office did not immediately respond to a request for an interview on Sept. 1.

Meanwhile, Trident Health, with hospitals in North Charleston and Summerville, reported more than 120 COVID patients, close to its record high. Hospital spokesman Rod Whiting told The Post and Courier that the system has temporarily suspended for one week all elective surgeries to make sure there are beds available for incoming COVID patients. Roper St. Francis surgeons have been asked to postpone some surgeries that require overnight stays through Sept. 10.

The COVID inpatient count at the Medical University of South Carolina was 135 on Sept. 1, about 40 patients lower than it was at its highest peak in July 2020. But MUSC spokeswoman Heather Woolwine said hospitalizations and deaths are lagging indicators, meaning the hospital could become even more full later this month if cases continue rising.

“We’re definitely tracking in that direction,” she said.

The announcements come as South Carolina appears to have the highest per capita COVID rate in the United States, according to an analysis by The New York Times. Using census numbers and data from state health departments, the rate in South Carolina as of Aug. 31 was 100 cases per 100,000 residents over the past seven days. The rate across the entire South was lower at 76 cases per 100,000. Rates in the South are much higher than other regions in the country.

At the county level, Dorchester has the highest case rate in South Carolina with 200 cases per 100,000 people — exactly double the statewide rate — according to The Times’ calculations.

The rate of COVID cases in each state correlates with vaccination rates. South Carolina, with fewer than half of all eligible residents fully vaccinated, has one of the lowest vaccination rates in the country.

Dr. Oliverio, with Roper St. Francis, said there are very few medical reasons not to get a COVID-19 vaccine. If you are allergic to a component of the vaccine, you shouldn’t one, he said. Likewise, if you had a life-threatening reaction to the first dose, you shouldn’t get a second one. Everyone else is recommended to get one.

“There is a really good reason to get the vaccine. It will save your life,” he said. “There are a thousand reasons people have made up not to get the vaccine and each one of those is nonsense.”

This story is developing.

KION North America expands territory via partner Lift Parts Service’s additional location

KION North America expands territory via partner Lift Parts Service’s additional location KION North America recently announced that Lift Parts Service L.L.C., part of the KION North America dealer network, has added an addit...

KION North America expands territory via partner Lift Parts Service’s additional location

KION North America recently announced that Lift Parts Service L.L.C., part of the KION North America dealer network, has added an additional location to better serve its customers in Garden City, Kansas. Lift Parts Service L.L.C. is authorized to sell both the Linde Material Handling and Baoli brands at all its sites.

“KION North America is honored to partner with dealers who are committed to selling and supporting our brands,” said Rick Schiel, director of dealer development. “We are proud of our partnership with Lift Parts Service L.L.C. and are pleased they are expanding their coverage area to better serve the Linde Material Handling and Baoli brands for customers in the western Kansas marketplace.”

Founded in 1962, Lift Parts Service L.L.C. is the oldest lift truck company in Wichita, Kansas. This long history of support to the Wichita area has earned the company a reputation as a trusted solutions provider for the area’s material handling needs. Both locations in Wichita and Garden City specialize in new and used forklift trucks as well as forklift parts, sales, rentals, and service.

“We are excited to be able to expand within our existing territory,” said Kyle Free, chief operating officer, Lift Parts Service L.L.C. “Our team in Garden City have worked very hard to ensure the same level of care customers have come to expect with Lift Parts is duplicated in our western Kansas location.”

Headquartered in Summerville, S.C., KION North America Corporation is a member of the KION Group, one of the world’s leading manufacturers of industrial trucks. Their brand companies, Linde and Baoli, serve the specific industrial truck requirements of the US, Canadian and Mexican markets with a broad and complementary product portfolio. KION North America also works closely with its sister company, Dematic, a global leader in automated material handling that provides a broad range of intelligent supply chain and automation solutions.

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A.J. Green embracing new role with Cardinals

For the first time in his career, A.J. Green will not be the No. 1 receiving option on his own team when he suits up for the Arizona Cardinals this season. The former Cincinnati Bengals star understood that role belonged to DeAndre Hopkins when he signed with the team in March.But the former Georgia standout is embracing the opportunit...

For the first time in his career, A.J. Green will not be the No. 1 receiving option on his own team when he suits up for the Arizona Cardinals this season. The former Cincinnati Bengals star understood that role belonged to DeAndre Hopkins when he signed with the team in March.

But the former Georgia standout is embracing the opportunity to play more of a complementary role for his new team. In fact, that is one of the primary reasons he elected to join the Cardinals in the first place.

“I’m always team-first,” Green said, via Bob McManaman of the Arizona Republic. “When I was the guy in Cincinnati for 10 years, I always wanted another guy. I have Tyler Boyd and we had Marvin Jones, we had some great guys. My thing is, I don’t want to be forced the ball and here, I don’t have to be forced the ball.

“You’ve got Hop on one side, you’ve got me on the other and you’ve got (Christian) Kirk working the middle. It creates a lot of matchups and that’s why I picked this place.”

Hopkins believes the presence of Green will only help make his job easier.

“Oh, it’ll help me out a lot,” Hopkins said. “Obviously, having someone who can go get any kind of ball, run any type of route. He’s tall, but he still can play underneath and go in there with the linebackers. So for me, I think it will help me out a lot. You can’t just focus on me, having someone like that who can win the one-on-one nine times out of 10.

“I think he’s at the peak of his career. It makes me better to see him go out there and make catches and make plays. He makes me want to go out there and start competing and I love it. I definitely think it will help drive the safety away from me sometimes.”

After missing the entire 2019 season with an ankle injury, Green returned last season and played in all 16 games for the Bengals. But he saw a drastic dip in production, hauling in 47 receptions on 104 targets for 523 yards and two touchdowns.

Green spent the last 10 seasons in Cincinnati after the franchise selected him with the No. 4 overall pick in the first round of the 2010 NFL Draft. He appeared in 127 games with 125 starts with the Bengals, catching 649 passes for 9,430 yards and 65 touchdowns for his career, making seven straight Pro Bowl appearances from 2011 to 2017.

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A former five-star recruit out of Summerville (S.C.) High School, Green was ranked as the No. 7 overall prospect and No. 2 wide receiver in the country for the 2008 class, according to the industry-generated 247Sports Composite. He was also the second-ranked player in South Carolina.

Green played three years at Georgia, garnering first-team All-America honors in each of his final two seasons before declaring for the NFL Draft. He finished his college career with 166 receptions for 2,619 yards and 23 touchdowns over 32 games.

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