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Senior Medicare Advantage plan insurance in Goose Creek, SC
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 Goose Creek or simply have questions about signing up for Medicare, our team is here to help.
- Helping Seniors Make Better-Informed Medicare Decisions
- What is Medicare?
- The amount of money you pay for your health care depends on several factors, including
- Senior Medicare Supplement Plan Insurance in Goose Creek
- Important Information About Senior Supplement Plan Insurance
- Senior Medicare Advantage Plan Insurance in Goose Creek, SC
- How Medicare Advantage Plans Work
- Medicare Advantage Plan Insurance Rules
- Paying for Your Senior Medicare Advantage Plan Insurance
- The Senior Medicare Insurance Services Commitment
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 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:
- What kind of care you need, and how often it is needed.
- The type of Medicare coverage you choose.
- Whether there are alternative insurance policies that will help fill gaps in your coverage
- Whether a doctor agrees to charge you the same amount that Medicare will cover for a medical service
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 Goose Creek
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:
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 Goose Creek 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 Goose Creek, 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:
- Preferred Provider Organizations
- Special Needs Plans
- Private Fee-for-Service
- Medicare Medical Savings Account Plans
- Health Maintenance Organizations
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.
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 Goose Creek. 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 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.
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 Goose Creek, SC
Final beam placed on new submarine propulsion facility in Goose Creek
Jenna Herazohttps://www.live5news.com/2025/04/04/final-beam-placed-new-submarine-propulsion-facility-goose-creek/
CHARLESTON, S.C. (WCSC) - A major industrial milestone was celebrated Friday morning as Leonardo DRS, a defense technology company, placed the final support beam atop its new manufacturing and testing facility at Bushy Park Industrial Complex in Goose Creek.“We’re doing the top off, which is a ceremony that shows the progression of the plant and its completion. It’s a very big item for the community and our industrial site here. With DRS coming here, it’s going to employ a lot of folks with good-paying jobs and...
CHARLESTON, S.C. (WCSC) - A major industrial milestone was celebrated Friday morning as Leonardo DRS, a defense technology company, placed the final support beam atop its new manufacturing and testing facility at Bushy Park Industrial Complex in Goose Creek.
“We’re doing the top off, which is a ceremony that shows the progression of the plant and its completion. It’s a very big item for the community and our industrial site here. With DRS coming here, it’s going to employ a lot of folks with good-paying jobs and economic development for our community,” Cody Baker, Vice President of Business Development and Manufacturing at Bushy Park Industrial Complex, said.
Employees, local leaders and project stakeholders gathered to witness the placement of the final beam, marking the end of two years of hard work and commitment.
“So, the completion here will be roughly 140,000 square feet, a manufacturing facility focused on propulsion systems for the US Navy. So, it is very big, particularly given the history in Charleston with the Navy,” Baker said.
As the Navy continues its modernization efforts, the Charleston facility is set to play a vital role in advancing submarine propulsion technology, further solidifying the region’s significance in the defense sector.
Senior Vice President and General Manager for Naval Power Systems at Leonardo, Jon Miller, said this project marks a key moment in the future of U.S. naval capabilities.
“This is not just your average building. We’re going to be doing pretty special things here. We will be building large electric motors, which are the propulsion system for the next class of submarines for the US Navy. And then ultimately, we’ll also be building and testing steam turbine generators, which will power that motor and also provide the power for the submarines,” he said.
Miller said the 140,000-square-foot building will be used to support the U.S. Navy’s submarine and shipbuilding efforts.
“This is a great day for Leonardo DRS, and I’ll be a little bold and say a great day for the U.S. Navy. This is a big milestone for us to help. If you watch the news today, you know we’re in the middle of a Navy buildup, and this is a very important capability for the Navy. And this will be a national asset, one-of-a-kind facility when we’re finished. The only one in the country providing capabilities for our nuclear submarine,” Miller said.
He said Friday was a deeply patriotic day not just because the facility will help strengthen national security, but will also create jobs and boost the local economy.
Miller highlighted that one advantage of choosing the Charleston area for the facility is the opportunity to engage with local college and university students to help connect new graduates with job opportunities right out of school.
“So, one of the advantages of the Charleston area is we’re able to engage with local school systems and colleges in the area. So, we’ll be drawing both technician talent and engineering design talent to come in and help us with development and testing. So, we’ve already begun a great interaction with the local community, and I expect that just to continue to grow,” Miller said.
He anticipates the facility will start with just under 100 employees, with plans for the workforce to grow over time.
The facility is set to open in 2026 and is on track to receive its certificate of occupancy by November.
Copyright 2025 WCSC. All rights reserved.
New restaurant opens at Charleston-area public golf course. Expect more than typical clubhouse fare.
Parker Milnerhttps://www.postandcourier.com/food/now_open/momo-crowfield-goose-creek-new-restaurant-charleston/article_d89b6f62-f2e9-11ef-bbb0-a325a2b9c313.html
GOOSE CREEK — Goose Creek's vibrant food scene includes Brazilian bakeries, Filipino eateries and longstanding local pubs. B...
GOOSE CREEK — Goose Creek's vibrant food scene includes Brazilian bakeries, Filipino eateries and longstanding local pubs. But the city of about 50,000 residents has largely lacked a special occasion destination like the one Justin Moore is trying to create.
The chef's new venture just happens to be located on a golf course.
MOMO Crowfield is now open, serving a wide-ranging menu of chophouse classics and refined Southern fare. The nearly 500-seat restaurant with indoor and outdoor dining areas looks out over the Crowfield Golf Club, a public course owned by the city of Goose Creek. The culinary offering and ambiance, though, goes beyond typical clubhouse fare, Moore said.
Moore isn't the first Charleston-area chef to take over the kitchen of a golf course restaurant. In October, Michael Toscano of Le Farfalle announced plans to lead the culinary programming at 3’s Golf and Grill in Greenville.
"You don’t have to be a golfer to come eat," Toscano told The Post and Courier at the time. "Come enjoy the terrain, come enjoy the dining room overlooking the greenery; anybody can come out."
That's the message Moore is trying to broadcast with MOMO Crowfield, a spin-off of MOMO Riverfront Park, the North Charleston restaurant he owns with his wife Iryna.
"We're not the golf course. We're a restaurant at the golf course," the chef said.
Where the Riverfront location leans into seafood, MOMO Crowfield has a dedicated meat program, with aged filets, Iberico ham sliced by the ounce, truffle french fries, a wedge salad and signature burger, among other options. Seafood is highlighted with shrimp and grits, cornmeal-fried oyster sliders and smoked fish dip.
MOMO Crowfield is open from 11 a.m.-9 p.m. Tuesday through Thursday and 11 a.m.-10 p.m. Friday and Saturday. Brunch is served from 10 a.m.-3 p.m. on Sundays. For more information, visit momocrowfield.com.
Crowfield Golf Club is home to the new location of MOMO.
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Jay Woodcox and wife Brittany Woodcox (left to right) laugh with David Maningding along with Steve Woodcox and Scarlett Woodcox and on the patio at at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Shrimp and grits served at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Ellie Hawkins, Weston Sims,12 and his mother Melissa Enos-Sims have dinner on the patio at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Darrell Brooks, Kimberly Thomas, Damon Milford and Tarsya Mercer (right) meet for at MOMO Crowfield for a meeting about their upcoming community events Wednesday, March 12, 2025, in Goose Creek.
Jeremy Meyer and Michael Dutka use the putting green on the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Rachel Savini (center) spends the evening with friends at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Burgers serves on the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Megan Savini, Julia Cox,Rachel Savini, Barbara Richardson and Hannah Cox spend time together at MOMO Crowfield that is now open at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Haley Wright serves guests at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
The moon rises over the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Tammy Rogers and Joy Hardy spend time around the fire pit on the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
MOMO Crowfield is now open at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
MOMO Crowfield is now open at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
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