Senior Medicare Advantage plan insurance in West Ashley, 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 West Ashley

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 West Ashley, 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 West Ashley

Books on Buses: CCPL, CARTA expand free book program to two more bus stops

CHARLESTON, S.C. – Public transportation riders in Charleston County will now have access to even more free books at additional bus stops. The ...

CHARLESTON, S.C. – Public transportation riders in Charleston County will now have access to even more free books at additional bus stops. The Charleston County Public Library and The Charleston Area Regional Transportation Authority (CARTA) partnered to provide free books for all ages at CARTA bus stops through the Books on Buses program, which was launched in April at two bus stops in North Charleston. As of today, two additional bus stops in West Ashley and downtown Charleston have free books.

The new “book boxes” are located in Charleston at the intersection of Ashley River Road and Magwood Drive (Stop #810) and at the intersection of Meeting Street and Mary Street (Stop #560). The program initially launched in April with two North Charleston CARTA stops at the Rivers Avenue Park and Ride Lot at 1251 Melnick Drive and the Superstop at the intersection of Rivers and Cosgrove Avenues.

"We’ve given out hundreds of books since the Books on Buses program launched earlier this year,” said CCPL’s Outreach Manager Kathleen Montgomery. “This program allows us to further connect with our community and promote literacy in Charleston County.”

These boxes contain books for all ages from CCPL’s Community Collection, which uses donations and discarded materials to encourage literacy outside of library walls. The books are free and do not need to be returned to the box or any other library location.

“CARTA connects riders to the things they love, and thanks to this new chapter in our partnership with the Charleston County Public Library, that includes more books that open up new avenues of learning," said CARTA Board of Directors Chairman Mike Seekings. "We are excited to expand the ‘Books on Buses’ partnership to new areas in Charleston County and look forward to helping our riders write their own success stories."

“We are so happy that this program has been so well-received by the public and that we have been able to distribute almost 1,000 books into the community so far,” said CCPL Community Engagement Associate Director Devon Andrews. “CCPL is committed to helping Charleston County residents have increased access to books and literacy wherever they are in their day and we are grateful to CARTA for their partnership on this project."

For more information, visit ccpl.org, contact your local library branch, or connect with the library on Facebook,

Twitter, or Instagram. For information on CARTA, visit ridecarta.com.

Public open house kicks off for Mark Clark extension project

CHARLESTON COUNTY, S.C. (WCSC) - The South Carolina Department of Transportation is looking for public input on a project that would extend I-526 past West Ashley and into Johns Island, James Island and ultimately downtown Charleston.The Mark Clark Extension Project would drastically expand I-526 and increase the capacity of the regional transportation system, proponents say.Mark Clark Extension Project Manager Jae Mattox says the project has been in the developmental stages for years. However, Mattox says the South Carolina De...

CHARLESTON COUNTY, S.C. (WCSC) - The South Carolina Department of Transportation is looking for public input on a project that would extend I-526 past West Ashley and into Johns Island, James Island and ultimately downtown Charleston.

The Mark Clark Extension Project would drastically expand I-526 and increase the capacity of the regional transportation system, proponents say.

Mark Clark Extension Project Manager Jae Mattox says the project has been in the developmental stages for years. However, Mattox says the South Carolina Department of Transportation and Charleston County are finally ready for community feedback on the plans.

Project organizers are holding two open-house style meetings for people on Johns Island and James Island.

The first meeting is scheduled from 4 p.m. to 7 p.m. Tuesday and it is at Hart Meadows Ranch on Johns Island. Officials say people can come learn all about the plans for the Mark Clark extension.

“We’ll have multiple stations set up to show various aspects of the project that folks are interested in – right-of-way, if they’re interested in traffic, if they just want to see the alternative, there will be a station that does a fly-through, there will be station where you can make a comment,” Mattox says.

Members of the project team will be at the session to answer any questions on-the-spot.

Mattox says they recently completed the Supplemental Environmental Impact Statement for the project and residents in the area will be able to review that as well as the recommended roadway, bike and pedestrian lane paths.

Those who attend the meeting will also have a chance to check out the potential impacts of Mark Clark extension on land use in the area. Mattox says residents will also be able to submit a pre-recorded public comment for the official hearing in two weeks.

Charleston County Deputy Director of Public Works Richard Turner says more people are moving to Johns Island, James Island and West Ashley but work in other places. He says the need for this extension is more necessary than ever.

The public involvement phase allows is designed to allow people in the area to help tweak the plans based on how they impact resident’s lives.

“We all live, work, and play here, and this is the opportunity for you all to be able to make an impact on this project and how it looks moving forward,” Turner said.

There will be a second community meeting at Edisto Hall on James Island from 4 p.m. to 7 p.m. Wednesday. The official public hearing will be from 11 a.m. to 6 p.m. Sept. 14 at the Esse Village Church in West Ashley. That’s where the formal presentation and verbal comment session will begin.

Those who can’t make either meeting, can view the full plans and submit pre-recorded comments online. Once on the website, click “View Virtual Public Hearing Room.” Mattox and Turner say this walks those interested through all of the same presentations that are at the in-person community meetings. It also allows them to submit a pre-recorded public comment for Sept. 14.

Once this public involvement phase of the project ends, Mattox says all comments will be reviewed, the team will make necessary changes, and then they plan to begin development of the final environmental impact statements. After that, they will move towards seeking federal and state construction approvals.

Mattox says construction could start as early as 2023.

Copyright 2021 WCSC. All rights reserved.

Our View: Reject I-526 extension

Here we go again. County and state leaders are pushing another misguided attempt to extend Interstate 526 when there are better options. Give it a rest, guys, and spend the money better, smarter and broader.The extension’s new plan, which is almost exactly like an old plan to connect West Ashley to Johns Island and James Island, will end up costing $1 billion with Charleston County taxpayers footing a whopping part of the bill. A dozen years ago when it looked like the roadway, which has been discussed since the 1960s, would mov...

Here we go again. County and state leaders are pushing another misguided attempt to extend Interstate 526 when there are better options. Give it a rest, guys, and spend the money better, smarter and broader.

The extension’s new plan, which is almost exactly like an old plan to connect West Ashley to Johns Island and James Island, will end up costing $1 billion with Charleston County taxpayers footing a whopping part of the bill. A dozen years ago when it looked like the roadway, which has been discussed since the 1960s, would move forward, the cost was about a third of that. There’s another difference this time: The state’s financial commitment is capped. If there are cost overruns — and there are always overruns — county taxpayers will be holding what could be a very large bag.

Extending the interstate is a bad idea for multiple reasons, including what the Coastal Conservation League rightly describes as a “last-century highway project that benefits few and impacts many.”

First, the extended roadway — which isn’t even an interstate, but a parkway — will open up Johns Island to even more development. That quickly will clog the road making traffic just as bad — or worse — than it is now. Second are various environmental concerns: Noise, wetland destruction, pollution and more.

Third is the simple notion that the billion-dollar bucket of money could be redirected to be used in multiple smarter ways to improve our quality of life. For example, highway officials could build a flyover to Johns Island off U.S. Highway 17 to speed traffic. Or, instead of building bigger, wider roads that studies show do not reduce congestion, S.C.’s highway-happy DOT can help double down on expanding transportation alternatives to complement the game-changing bus rapid transit project in the works down Rivers Avenue.

And more than anything, they could spend money on where we know now it’s eventually going to be needed — to mitigate future flooding impacts all over the county. Just look around in your neighborhood and compare how waters are higher in bad storms than they were just a few years ago. It’s not going to get better. So if we want to keep living here, we need to adapt. And that costs money to the magnitude of what it would cost to extend the interstate about 10 miles.

Scrap the project. Don’t sign a blank check on our future. Throw away the same drawing board that’s been used for years by waffling county and state officials. Road builders always want to build more roads. This time, let’s do something different.

Regardless of whether you agree with us, let public officials know where you stand on the extension. The public comment period is open until Oct. 15. You can learn more online (scdotmarkclark.com) and have your say there, or you can attend any of three public meetings — Aug. 31 on Johns Island, Sept. 1 on James Island and Sept. 14 in West Ashley.

VIDEO: Gullah-Inspired Restaurant Celebrates Moncks Corner Grand Opening

MONCKS CORNER, S.C. – If you’re looking for something new to sink your teeth in, you may want to give the new Gullah-inspired restaurant in Moncks Corner a try. Shrimp & Grits Café, which is at 484 Hwy. 52 Bypass, celebrated its grand opening with a ribbon-cutting ceremony on Tuesday, Aug. 24.Dozens of people came out for the restaurant’s first day of business. Mayor Michael Lockliear and Town Council Members David Dennis, Latorie Lloyd, Dewayne Kitts and Charlotte Cruppenink also took part in the ribbon c...

MONCKS CORNER, S.C. – If you’re looking for something new to sink your teeth in, you may want to give the new Gullah-inspired restaurant in Moncks Corner a try. Shrimp & Grits Café, which is at 484 Hwy. 52 Bypass, celebrated its grand opening with a ribbon-cutting ceremony on Tuesday, Aug. 24.

Dozens of people came out for the restaurant’s first day of business. Mayor Michael Lockliear and Town Council Members David Dennis, Latorie Lloyd, Dewayne Kitts and Charlotte Cruppenink also took part in the ribbon cutting ceremony.

The restaurant is the brain child of Celebrity Executive Chef Carlos Brown. The Moncks Corner restaurant is now his second in the Lowcountry. The original Shrimp & Grits Café is located inside Citadel Mall in West Ashley.

“There’s a lot of places that the franchise is going, but Moncks Corner, there’s something special about this place, and we came here without any bank. We got our money in our own pockets. We have no loans,” Chef Brown told the crowd during the grand opening.

The menu offers a little something for everyone, including: mac-n-cheese, fried shrimp, collard greens, shrimp and grits, white cheddar grits, Gullah bacon burger, bistro salad, short ribs, salmon, muffin corn bread and more!

To learn more, visit https://www.shrimpandgritscafe.com.

VIDEO OF SHRIMP & GRITS CAFE GRAND OPENING:

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Community comes together to help family whose house was struck by lightning

CANE BAY, S.C. (WCIV) — Last Thursday, Bryan Sandaval took his wife out to dinner for a date night, leaving the kids at home and hoping for a relaxing evening.“We rarely are able to get out and have a date night, so we were actually having sushi at Oak Barrel in West Ashley,” Sandaval said.But what happened next would change his life....

CANE BAY, S.C. (WCIV) — Last Thursday, Bryan Sandaval took his wife out to dinner for a date night, leaving the kids at home and hoping for a relaxing evening.

“We rarely are able to get out and have a date night, so we were actually having sushi at Oak Barrel in West Ashley,” Sandaval said.

But what happened next would change his life.

He received a frantic phone call from the babysitter saying that the lights were flickering, and she didn’t know what was going on.

Then through the line he heard this:

“All I hear is a knock on the door like someone pounding on our door like y\'all need to get out of there. The house is on fire. The house is on fire. I\'m like, oh my god, Is this real?”

His house, in the Spanish Wells portion of the Cane Bay community, was struck by lightning with the kids still inside the house.

Luckily neighbors helped rescue the kids and everyone was safe. However, the same couldn’t be said for the family’s belongings.

The lightning strike made the roof catch on fire and the rain flooded the house, caving in the top floor. The damage caused most of the family’s personable items like toys, electronics, and clothes to be ruined.

“You don\'t ever expect something like this to happen,” Sandaval said, “It didn\'t really hit us until we got to the hotel and realized how many things you didn\'t have. And then you\'re like, oh my god, we\'re about to have to buy like, oh, like everything in our life.”

The Sanadaval’s couldn’t receive any money from the insurance company until an assessor came to look at the property. With this happening late Thursday night, it meant that he wouldn’t be able to assess the damage or receive any money until Monday.

Left with little to no belongings and forced to move into a hotel, Sandaval and his family were stuck.

That’s when Ashley Chase stepped in.

“My immediate response was I need to go and I need to help,” Chase said, “We got to help them financially until they can at least get money from insurance to help with what comes next.”

Chase admittedly didn’t know the family too well. Chase said that the have spoken maybe three times in the year and a half she lived in Cane Bay but she wanted to find some way to help.

“There\'s no reason for why I\'m doing it other than I want them to have what they need," Chase said.

So Chase created a PayPal fundraiser page for the Sandaval’s, asking for any small donation to help get the family back on their feet.

Chase initially thought that it would only raise $100 to $500, but what happened next blew her away.

“Immediately, money to start rolling in. And I was just in awe, and everyone who couldn\'t donate money was already like, okay, so shoe sizes and kids size clothes, and like, Mom and Dad sizes like, Well, I have stuff in my closet, people were pulling things out of their kids drawers," Chase said.

Over $3,500 was raised in less than three days. That doesn’t include physical donations. Many community members helped replenish the kids toys that were lost in the fire, they helped pitch in to get Bryan a new computer for his work and brought clothes and food for the whole family to help get them through the weekend.

“I was completely floored by how everyone came together to help us It blew my mind, like, makes you feel good about humanity a little bit because I mean, we\'re struggling, but we have so much less to worry about," Sandaval said.

Sanadaval even said that he was receiving anonymous donations from people who he didn’t even know.

Something that he says helped him pick himself back up.

“Everyone in our immediate neighborhood, like right next to us, came together super quick and did everything and but then it\'s it\'s crazy to think that some complete strangers like we have so many anonymous notes that we got and anonymous donations and things from people that don\'t even really know us and they\'re trying to help us out," Sandaval said.

For Chase, she says that she never wanted any of the spotlight on her but is happy to see where her small step to help a family out has come.

“For us to still hardly know each other... It feels like it\'s nice to say like, oh, wow, we really do come together when things like this happen. And it\'s it\'s beautiful," Chase said.

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