Senior Medicare Advantage plan insurance in Columbia, 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 Columbia or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Columbia, 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 Columbia, 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 Columbia

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 Columbia, 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 Columbia 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 Columbia, 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 Columbia, 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 Columbia, 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 Columbia. 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 Columbia, 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 Columbia, 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 Columbia, 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.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 82 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Latest News in Columbia, SC

This $2.5M SC luxury home is a Lake Murray landmark and up for auction soon. Take a look

A $2.5 million house on Lake Murray is headed to a Sotheby’s auction in New York City next month.Located in Chapin at the end of a peninsula, the house is a three-bedroom, three bath Tuscan style that can’t be missed no matter how fast you fly by in your boat.It covers 5,382 square feet on three floors — the second has a wide, Italianate covered patio — situated mere steps from the water. The house at 1153 Indian Summer Point is still owned by the couple who built it 21 years ago, said ...

A $2.5 million house on Lake Murray is headed to a Sotheby’s auction in New York City next month.

Located in Chapin at the end of a peninsula, the house is a three-bedroom, three bath Tuscan style that can’t be missed no matter how fast you fly by in your boat.

It covers 5,382 square feet on three floors — the second has a wide, Italianate covered patio — situated mere steps from the water. The house at 1153 Indian Summer Point is still owned by the couple who built it 21 years ago, said Wilmot Irvin, a Realtor with Joan Herlong & Associates Sotheby’s International Realty.

“It’s more than a house,” he said. “It was intended to be their forever home.”

The owners are Deanna and James Kuhlman. He was a long-time international business professor at the University of South Carolina Darla Moore School of Business. She is an artist.

Irvin said Deanna Kuhlman suggested auctioning the house through Sotheby’s.

The 300-year-old auction house will attract a global audience.

The house was listed on Friday and already Irvin said he’s fielded many calls. Over the weekend, the first open house was well attended, many of whom had seen the house from the lake.

“It’s a landmark,” Irvin said.

Here’s how Irvin described the house on the Herlong website.

“You’ll imagine you’re on Lake Como as you sip Negronis on your terrace as the setting sun paints the stone around you a soothing amber.”

The house has over-sized arched windows, 10-foot double French doors, 12-foot ceilings and Australian purple heart hardwood.

Every room has a lake view.

The three-quarter of an acre triangular lot is at the end of Indian Summer Point across the water from Wessinger Island.

The chef’s kitchen has stainless steel high-end appliances, a center island and cherry cabinets with Moroccan cobalt blue stained water glass inlays..

There are two fireplaces, one in the art studio, the other in the living room.

French doors open to a terrace from the primary suite and from the art studio. The house has an office, wine cellar and grotto.

Outside is a pool and dock.

Bidding begins online on March 7 and ends in New York City at Sotheby’s on March 21. Irvin will be there in person, his first Sotheby’s auction. Bids will also be taken online while the in-person auction is under way.

This story was originally published February 13, 2024, 8:49 AM.

Where to take an adult class in Columbia

They say you never stop learning… especially when there are so many great classes to take around Columbia. Become an amateur dancer or pick up new art skills.Flour Power Cooking StudiosThis is a cooking studio where kids and adults can learn to cook. It’s currently enrolling for its “Gal-entine’s Brunch” and “All You Knead is Love: Valentine’s Cooking” ...

They say you never stop learning… especially when there are so many great classes to take around Columbia. Become an amateur dancer or pick up new art skills.

Flour Power Cooking StudiosThis is a cooking studio where kids and adults can learn to cook. It’s currently enrolling for its “Gal-entine’s Brunch” and “All You Knead is Love: Valentine’s Cooking” classes for February.

Let’s Cook Culinary StudioGrab a friend (or a more-than-just-friends friend) and learn to cook everything from pasta to paella. Couples cooking classes are around $75 per class.

Smoked’s Cocktail 101 Master how to shake and stir crafted cocktails downstairs in Smoked’s speakeasy, “The Burnline” and embark on your mixology journey. Each class is $65 and the next one will be held on Sunday, Feb. 4

State of the Art StudioPaint like Bob Ross or give wheel throwing a spin. Part gallery, part pottery studio — this is the spot to get creative.

PlanthousePlant and sip. Make your own terrariums, wreaths, and centerpieces… while sipping on something scrumptious.

Columbia Art CenterTake specialty classes in skills like jewelry making and needle felting. Heads up: most of the classes last six weeks unless noted otherwise.

Columbia Museum of Art Whether you want to learn how to do yoga in the galleries, the dynamic of drawing, storyboard your vision for this year, or more, CMA offers tons of adult classes.

Blue Moon BallroomDance the night away when you sign up for a free group class on your first visit or book private dance lessons with an instructor.

Pickleball Group of the Midlands, SCWhether you’re looking for classes or community, this is a perfect place to get started. Connect with fellow Midlands Pickleball players and support its “more tournaments in Columbia” initiative.

Columbia, SC Grown-Up Dancers CommunityDust off your dance shoes. This group helps connect adult dancers and teachers of all forms of dance.

The Lourie CenterEstablished in 1995, is a non-profit recreation center in downtown Columbia for adults ages 50 and above. It offers fitness, cultural, and educational programs, with a fully equipped gym, diverse fitness classes, and social events.

Byte-Sized Computer BasicsThe Richland Library North Main location offers one-on-one classes to help with computer basics and answer your internet, computer, or device questions. Registration required.

Looking for fitness classes? We are putting together a guide to local gyms. Have a favorite? Let us know about it here.

This is just the tip of the paintbrush when it comes to local classes. Got a recommendation? Let us know about your favorite Midlands class.

Greenville has mountains. Charleston has beaches. What about Columbia?

COLUMBIA — Columbia and the broader Midlands region has long marketed itself as an in-between city: a two-hour drive from the mountains north, two hours to the beaches south.And while officials don’t plan on dropping that talking point, the region is also increasingly marketing itself on its own terms amid economic development and a focus on growing the city’s riverfront.In recent years, the Midlands has lagged behind similarly sized metro areas in the Southeast, including Charleston and Greenville, based on e...

COLUMBIA — Columbia and the broader Midlands region has long marketed itself as an in-between city: a two-hour drive from the mountains north, two hours to the beaches south.

And while officials don’t plan on dropping that talking point, the region is also increasingly marketing itself on its own terms amid economic development and a focus on growing the city’s riverfront.

In recent years, the Midlands has lagged behind similarly sized metro areas in the Southeast, including Charleston and Greenville, based on economic and quality of life indicators.

But the region is now celebrating big economic wins in recent years, including the $2 billion Scout Motors electric vehicle plant planned in Blythewood, which could transform the region in the next decade.

Columbia Business

Columbia isn’t rebranding itself, but it is increasingly telling visitors and potential residents about what it has to offer based on its own assets, not just its proximity to other metro areas.

“We’re just telling people who we are,” Columbia Mayor Daniel Rickenmann said. “We’re marketing and showing people what we have to offer — we’re not just a university town, we have all these assets.”

Report identifies Columbia’s strengths, weaknesses

The Midlands Regional Competitiveness Council releases an annual report comparing the region to other Southeastern metro areas.

The latest report compared the Midlands, composed of six counties and a population of over 800,000, to 11 other metro regions in the Southeast, including Charleston and Greenville.

Compared to its peers, the Midlands performs poorly in key areas, placing:

The region was in the top of the pack in others, placing:

The Midlands also placed seventh in overall livability.

According to University of South Carolina economist Douglas Woodward, the Midlands has faced challenges very few other metro areas have in recent years, including the 2017 VC Summer scandal and resulting fallout, as well as the 1,000-year flood in 2015.

“We’ve been struggling ... if you look backward at the last 10 years, 15 years,” Woodward said at this year’s annual economic outlook conference.

It’s also partially because the cities and organizations that make up the Midlands have at times been competing with one another, though that’s now changing, Rickenmann said.

This led to the region missing out on dollars from the Legislature and business recruitment opportunities, the mayor argued.

“If you look at Greenville, they’ve done a great job of marketing. Their economic development folks spent years on the road when we didn’t,” Rickenmann said.

Included in the city’s upcoming monetary requests for the Legislature: money for tourism, developing the riverfront, railroad realignment and building a new homeless shelter, according to the mayor.

“Will I tell you that the Midlands has gotten its fair share over the last decade? No, I think the Lowcountry and the Upstate have done a better job of coming together,” Rickenmman said. “Part of it’s our own fault.”

Woodward pointed out that the region has not done as well as others in attracting industry clusters, groupings of businesses that have similar suppliers — manufacturing in the Upstate or finance in Charleston, for example.

But the region has also secured major economic wins in recent years, including perhaps its biggest ever with the coming $2 billion Scout Motors electric vehicle plant, the announcement of the SC Nexus project, which could secure millions in federal dollars toward a clean energy supply chain, among others.

‘Our rivers are our future’

And while business development lags behind other South Carolina urban hubs, experts say the city’s arts, recreation and food offerings have helped pull in more tourism and boosted quality of life for locals.

5 new Columbia restaurants to try and 5 others coming soon

It’s no secret that Columbia’s dining scene is changing. From the national recognition that three restaurant entities in town received this year during the James Beard Foundation Awards to the amount of new eateries that opened or will open, it’s clear we’re in the midst of a culinary evolution in Columbia.Long-awaited upscale restaurants like The Dragon Room and MOA Korean BBQ opened in the heart of downtown. Neighborhood bars like The Hoot and locally-owned bakeries like Sour and Salt were welcomed to the Ros...

It’s no secret that Columbia’s dining scene is changing. From the national recognition that three restaurant entities in town received this year during the James Beard Foundation Awards to the amount of new eateries that opened or will open, it’s clear we’re in the midst of a culinary evolution in Columbia.

Long-awaited upscale restaurants like The Dragon Room and MOA Korean BBQ opened in the heart of downtown. Neighborhood bars like The Hoot and locally-owned bakeries like Sour and Salt were welcomed to the Rosewood neighborhood. And international cuisines from the Caribbean to Thailand are available across the river in Cayce and West Columbia.

On the horizon, local restaurateurs and popular brunch chain companies have set their sights on locations around the city.

With that, here are five restaurants that opened this year you should visit, and five set to open within the coming year that you should keep an eye out for:

Five recently-opened restaurants and bars to check out

The Dragon Room

This pan-Asian small plates restaurant and cocktail bar comes from Kristian Niemi, the chef-owner of Black Rooster in West Columbia and Bourbon on Columbia’s Main Street. The kitchen, which pumps out unique ramen options, late-night egg rolls and delightful bao buns, is led by former Black Rooster chef Alex Strickland. David Adedokun, previously a bartender at The War Mouth, crafts up distinctive cocktails like The Jade Panda, a bright green, Vodka-based slushee. The Vista joint is open until 2 a.m. on weekends and midnight Tuesday through Thursday.

MOA Korean BBQ

An iteration of the popular downtown Charlotte location, MOA Korean BBQ introduced Columbia to something it was missing — upscale Korean barbecue in the heart of downtown. The restaurant, which comes from 929 Kitchen & Bar owner Sean Kim, was announced in January 2022 and opened next to Cantina 76 on Main Street in September this year. The restaurant is perfect for a date night or group dinner with friends, as patrons select cuts of high quality meat and get to cook them at the table. If dining out for the evening isn’t your speed — or your wallet’s speed — the restaurant offers a cheaper, more lowkey lunch menu from 11 a.m. until 2:30 p.m. It’s open until midnight on Friday and Saturday.

COLUMBIA — After a decade at Motor Supply Company Bistro, Executive Chef Wes Fulmer has left the upscale Southern cuisine restaurant.

Fulmer led the restaurant, a staple in the city’s food scene and one of the first restaurants to open in the Vista, since 2014. He announced his departure in an Instagram post Feb. 14. His last day with Motor Supply was Feb. 11, Fulmer confirmed.

“We are grateful for his years of hard work and for powering our team to keep sustainability at the forefront of what we do, in the farm to table movement,” the restaurant’s owner Eddie Wales told Free Times. “We’re gonna continue to focus on creating amazing food and culinary experiences, and we look forward to see what happens next with Wes.”

Wales did not say who would replace Fulmer, but noted that the eatery will lean on its sous chefs in the interim.

The fine-dining chef, originally from Prosperity, worked in restaurants in cities like New Orleans and Kiawah Island after attending culinary school in Boulder, Colo. He also worked abroad at Michelin-starred restaurant Christian Etienne in France. When he brought his culinary talents back to Columbia, Motor afforded him his first chance to lead a kitchen on his own.

“I fulfilled one of my lifelong goals of being an executive chef,” Fulmer told Free Times. “I didn’t do it by myself — I had a lot of people help me, and I’m so grateful for those people.”

The shake-up comes a few years after Motor’s lead bartender, who revamped not only the restaurant’s cocktail program but the city’s drink scene, left after nearly a decade with the eatery. Josh Streetman, who led Motor’s eight-person bar since 2010, left the restaurant at the beginning of the COVID-19 pandemic.

Global manufacturer new to South Carolina coming to Richland County

A global material sciences company is setting up shop in Richland County, marking its first operation in South Carolina.Xerxes, a subsidiary of Shawcor Ltd., will create approximately 80 new jobs at is facility, according to a news release from the South Carolina Department of Commerce.Shawcor Ltd., the parent company of Xerxes, will expand its composite systems segment production capabilities in the United States, with ...

A global material sciences company is setting up shop in Richland County, marking its first operation in South Carolina.

Xerxes, a subsidiary of Shawcor Ltd., will create approximately 80 new jobs at is facility, according to a news release from the South Carolina Department of Commerce.

Shawcor Ltd., the parent company of Xerxes, will expand its composite systems segment production capabilities in the United States, with an additional production facility for its Xerxes business, according to the release. Xerxes manufactures fiberglass-reinforced plastic underground storage tanks, primarily used within the retail fuel, storm water and wastewater markets.

Located at 141 Hobart Road in Blythewood, Xerxes plans to lease a new production facility that will expand the company’s capability to deliver underground fuel and water storage tanks.

“Our new Xerxes facility will bring 80 jobs to Blythewood while positioning us closer to our U.S. customer base and expanding our ability to serve the eastern U.S. market with underground storage tanks,” said Martin Perez, president of Shawcor Ltd.’s composite systems segment.

Related content: Battery recycler to invest $300M in Richland County processing plant

Related content: Small arms company to invest $18M in Richland County expansion

Related content: Scout Motors deal finally puts Richland County in the driver's seat

Shawcor Ltd. is a global material sciences company serving the infrastructure, energy and transportation markets, the release stated. The company operates through a network of fixed and mobile manufacturing and service facilities. Its three business segments — composite systems, automotive and industrial, and pipeline and pipe services — enable responsible renewal and enhancement of critical infrastructure while lowering risk and environmental impact, according to the release.

The facility will be populated in a phased manner, the release stated. It is expected to be operational by the end of 2024 and to approach normalized levels of production in 2026.

“Xerxes’ investment in Blythewood will add to the growing vibrancy of Richland County and position the county for future economic development,” Richland County Council Chair Overture Walker said in the release. “Richland County is ripe with prosperity, and we are thrilled to welcome the Xerxes family to our region while enhancing the quality of life in the communities we serve.”

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