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

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Medicare Hanahan, 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 Hanahan, 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 Hanahan

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 Hanahan, 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 Hanahan 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 Hanahan, 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 Hanahan, 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 Hanahan, 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 Hanahan. 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 Hanahan, 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 Hanahan, 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 Hanahan, SC

Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.

Latest News in Hanahan, SC

Hanahan’s Otranto neighborhood goes all-in for Halloween

HANAHAN, S.C. (WCBD) – It was a chilly and crisp October night in the Otranto neighborhood on Monday, a perfect setting for the community’s annual Halloween decorating contest.A walk down many of the Italian-named streets and you’ll see the sparkle of orange, green and purple lights inviting a view from passersby — but look a little closer and you’ll find skeletons running amuck and ghosts dangling in the trees high above.While many homes in the neighborhood are beautifully decorated for the fall s...

HANAHAN, S.C. (WCBD) – It was a chilly and crisp October night in the Otranto neighborhood on Monday, a perfect setting for the community’s annual Halloween decorating contest.

A walk down many of the Italian-named streets and you’ll see the sparkle of orange, green and purple lights inviting a view from passersby — but look a little closer and you’ll find skeletons running amuck and ghosts dangling in the trees high above.

While many homes in the neighborhood are beautifully decorated for the fall season, the star of the show is there along Monte Sano Drive where you’ll find home after home boasting dazzling but spooky décor.

Just past a home where Freddy Kruger himself sits off the front porch — and across from Roma Road — is a wildly haunted cemetery scene. There is much to take in with a dark creature looming over the graveyard and eye-catching creatures no matter where you turn.

At this home you will find a sign out front begging neighbors to keep Halloween a beloved holiday. “Do not let Halloween be a thing of the past,” the sign read. “Decorate, turn on your light, hand out candy … Be a community!”

It was the Judge’s Choice 1st place winner.

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A walk around the loop, enjoy the sights and sounds of inflatable ghosts and animated ghouls shouting at you from the roadway. Or a skeleton who was not able to keep anything down.

On the opposite end of Monte Sano Drive is a home you simply cannot miss. Set with a purple and green glow are myriad Halloween animatronics begging for your soul. From witches to skeletons, a giant werewolf and even the headless horseman — be sure to stop and see what this yard has to offer.

Our favorite was the green goblin and a nicely timed scare. The home won second place scariest yard.

And just across the street you’ll find large sheets of spiderweb draping portions of the yard. A frightening scarecrow and large ghosts were the setting for this home winning second place most creative.

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A short trip away down Monte Sano Court and you’ll find a home fit for Jack and Sally.

Say hello to Oogie Boogie and the gang as you walk through the pumpkin shaped door and take in the Nightmare Before Christmas themed yard including scenes from Halloween, Easter, and Christmas.

11th Hanahan military fest celebrates veterans, offers post-service resources

BERKELEY COUNTY, S.C. (WCSC) - Hundreds gathered in Hanahan on Saturday for a full-day affair dedicated to honoring the nation’s veterans.Several community members say it is vital to prioritize our Lowcountry military before, during and after their service.“That’s what it’s all about,” Navy Veteran Jerry Oldham says. “Right here. I’m one of you all, you’re one of us. We’re in this all together.”After two tours in Vietnam and several years of service, Oldham now ...

BERKELEY COUNTY, S.C. (WCSC) - Hundreds gathered in Hanahan on Saturday for a full-day affair dedicated to honoring the nation’s veterans.

Several community members say it is vital to prioritize our Lowcountry military before, during and after their service.

“That’s what it’s all about,” Navy Veteran Jerry Oldham says. “Right here. I’m one of you all, you’re one of us. We’re in this all together.”

After two tours in Vietnam and several years of service, Oldham now calls the Lowcountry his home.

He believes post-military resources didn’t always exist, but they are more important than ever.

“There’s more programs, opportunities, more things that look to help veterans today that weren’t there in the past.”

400,000 veterans currently live in the state out of 20 million nationwide, according to studies done by the South Carolina Department of Health and Environmental Control.

28% of them are experiencing a disability of some kind, whether physical or mental health-related.

Besides the day filled with speeches, songs, treats and trinket shopping, a handful of vendors were in attendance to support transitioning and post-service veterans.

“Whether it’s a lifelong career or just a few years, they come out different than when they went in,” City of Hanahan Mayor Christie Rainwater says. “They often need services and support.”

“Education, employment, nutrition, housing, social networking, all the different things which hug a veteran through their transition,” Palmetto Pathfinder Jean Brooks adds.

Palmetto Pathfinder is one of the many options available to veterans who need assistance.

It is a three-day mentorship program through the statewide Department of Veterans Affairs.

“A Pathfinder is a mentor for other veterans,” Brooks says. “We can speak to each other in our own language and provide resources.”

Oldham says it is heartwarming to see advocacy and celebration from the community in a time where it is becoming “less common.”

“It kind of hurts me sometimes, the things that happen today because people just don’t appreciate it.”

The City of Hanahan has been a long-time supporter with a population consisting of mostly military families.

They say they hope to continue to foster relationships and work toward making resources more accessible until the festivities start again next year.

“To those post-military, say ‘Hey, how can we support you, what are you in need of? You have served us, now we want to serve you.’”

For information on Veterans Affairs services, click here.

For information on the Palmetto Pathfinder Program, click here.

Copyright 2023 WCSC. All rights reserved.

Commentary: What makes a home? Hanahan has an answer to that.

Hanahan ... home sweet home. I regret to say I wasn’t born here. But I sure got here as fast as I could.Growing up in Hanahan would have felt like an American dream.However, I truly believe that not growing up here has created a deeper appreciation for where I now choose to live and raise my family. While the location is ideal and central to the Charleston region, it’s the culture and family values that I treasure most.Throughout this year, Hanahan has been celebrating its 50th birthday. This area was populat...

Hanahan ... home sweet home. I regret to say I wasn’t born here. But I sure got here as fast as I could.

Growing up in Hanahan would have felt like an American dream.

However, I truly believe that not growing up here has created a deeper appreciation for where I now choose to live and raise my family. While the location is ideal and central to the Charleston region, it’s the culture and family values that I treasure most.

Throughout this year, Hanahan has been celebrating its 50th birthday. This area was populated as far back as the 1600s, and one would find plantations where homes, parks and businesses now stand.

Sir John Yeamans founded Yeamans Hall, and brothers Arthur and Edward Middleton established Otranto Plantation to name a few of the first settlers.

After Reconstruction, the Charleston region grew, and so did its needs, especially for water.

To meet that need, the Commissioners of Public Works was established and purchased the Goose Creek Reservoir.

It later developed a vast system of tunnels and a pumping station to supply potable water to the region.

In addition to being a businessman and influential leader of this time, J. Ross Hanahan was named the first chairman of the Commissioners of Public Works. Upon his departure, the pumping station was named after him, and the area became known as Hanahan.

Schools were built. Business were created. Homes were established.

In September of 1973 (only a year after North Charleston officially became a city), the city of Hanahan was officially incorporated.

The city is still known for its award-winning schools, sports and community culture.

I recently co-authored a book called “Hanahan,” released by Arcadia publishing, as a part of its Images of America series.

When we met with people to learn about how Hanahan came to be, the stories weren’t just logistical. They were personal.

Stories of jumping off the train trestle into the water, dads coming home from work from the shipyard or paper mill, students at Senior Hill, first dates at the Arcadia Rollerdrome at Port Park, fishing at Mabeline Lodge and more.

Many stories started with “One time ...” or “Back in the day ...”

While the formation of the city itself is so important, just as important are the stories of the daily experiences of the people who became the city of Hanahan.

I began by referring to Hanahan as home sweet home. Many reading this will think of a place, a location, maybe even a house.

However, those who live in Hanahan know that home sweet home means the people, because through this extraordinary community one quickly learns that home is not a place but a person, or in our case, the people who surround us.

Christie Rainwater is Mayor of Hanahan.

Hanahan Middle School students learn to save lives

HANAHAN, S.C. (WCIV) — Learning how to save lives one class at a time is the goal of a course at Hanahan Middle School."Our principal came to me last year , wanting to start a new class," teacher Susan Hill said. "And we did."Read more: Berkeley County begins construction of Nexton Middle School...

HANAHAN, S.C. (WCIV) — Learning how to save lives one class at a time is the goal of a course at Hanahan Middle School.

"Our principal came to me last year , wanting to start a new class," teacher Susan Hill said. "And we did."

Read more: Berkeley County begins construction of Nexton Middle School

The new class, called Introduction to Health Professions, brings the medical world to the classroom.

"We go through a lot about the body systems, different tools used by health professionals, and different types of jobs," Hill said.

For students to get a complete understanding of what it’s like to work in the medical field, health professionals from the community are invited to come speak, including Rodney Profit, a training captain with Boeing Security and Fire.

Learning about these jobs isn't the only takeaway for the students; they leave the course certified in basic life support.

Learning how to save lives one class at a time is the goal of a course at Hanahan Middle School. (WCIV)

"We do everything from adult child infant, CPR, choking first aid, and AED usages to get these students certified in basic life support," Profit said. "Students are given a chance to kind of look and explore what's out there for them and letting them know that there are no hurdles. If there are any hurdles, they can transverse those hurdles, but no one can tell them they can't do what they want to do.”

This encouragement has left students with the world at their fingertips.

"This has opened a lot more like pathways," student Lianny Martinez said.

Student, Savannah Wika said, "I would say it really like helped me realize what I really want to do for like a job. It really opened up what's happening when you go to the hospital."

Read more: BCSD approves $1.5K and $500 bonuses for fourth incentive of the year

The course also includes off-campus field trips. The class recently visited Charleston Southern University (CSU), where students got a tour of the campus.

For Hill, she believes each and every one of the students are more than capable of accomplishing their dreams.

"I just hope they understand how valuable they are and what a future they have," she said. "They have their whole lives in front of them and I'm just really excited to see what they do with that."

Hill says she could not be prouder of her students and teaching them has been a rewarding experience.

Lowcountry Music Hall of Fame inducts members this Sunday

Musicians and business owners across the Charleston area will be celebrated for their achievements at the annual Lowcountry Music Hall of Fame.The idea to create a local celebration for the area’s musicians came from Michael Davis in 2015. Davis owns the 25-plus-year-old Ye Olde Music Shop in Hanahan. The store is advertised as the largest Gibson, Fender, Martin, Taylor a...

Musicians and business owners across the Charleston area will be celebrated for their achievements at the annual Lowcountry Music Hall of Fame.

The idea to create a local celebration for the area’s musicians came from Michael Davis in 2015. Davis owns the 25-plus-year-old Ye Olde Music Shop in Hanahan. The store is advertised as the largest Gibson, Fender, Martin, Taylor and Paul Reed Smith dealer in South Carolina. Davis was inspired by his business and customers to create a new Lowcountry tradition that went beyond his beloved shop.

The Hall of Fame has inducted several well-known Charleston artists, as well as some “unsung heroes” who can benefit from the recognition. The inaugural ceremony in 2015 inducted local music stores, politicians and music schools, with the tradition continuing into 2023.

The Lowcountry Hall of Fame will introduce 15 artists, business owners and radio personalities into the 2023 catalogue.

Attendees can enjoy food trucks, music mastery and good times with local music lovers at the induction ceremony for the 2023 Lowcountry Music Hall of Fame at 1 p.m. Oct. 22 at the Hanahan Amphitheater, 3100 Amphitheater Ave.

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It’s the last “My Charleston Weekend” of January already. Luckily, the further we get into 2024, the more and more the Lowcountry has to offer by way of events and festivals.

While, unfortunately, you can’t be everywhere at once, it’s an action-packed Saturday here in Charleston. Celebrate Commonhouse Aleworks’ sixth anniversary. Imbibe at the Charleston Winter Wine Festival or the Onesie Bar Crawl. Or whet your appetite at the 13th annual Bo’s Oyster Roast & Chili Cook Off.

Commonhouse Aleworks Sixth Anniversary

Commonhouse Aleworks, 4831 O’Hear Ave., celebrates its sixth anniversary with a blowout block party and oyster roast noon-10 p.m. on Jan. 27. Enjoy the party, complete with a vendor market, a whole-hog barbecue from Swig & Swine, kettle corn, face painting and plenty of competitions, including a pinup contest, beard and mustache contest and a beer-tasting challenge. Plus, there’ll be a bevy of live music shows with well-known players such as Southern Flavor Bluegrass, the Hot Club of Charleston, Jared Petteys & The Headliners, Tommy and The Chucktown Players and Dallas Baker and Friends. If you’re curious about the beer-brewing process, check out the brewery tour as well. Attendance is free. For more info, visit bit.ly/48KWbpu.

Charleston Winter Wine Festival

Head down to the fifth annual Charleston Winter Wine Festival for one of two sessions, noon-4 p.m. or 6-10 p.m., on Jan. 27 at Festival Hall, 56 Beaufain St. Enjoy tastings of more than 50 different wines, mimosas and beers while jamming out to live music from Mike Huhn and DJ Brent Folks. All beverage tastings are included in the ticket price, while food is available for separate purchase. Tickets are $55 in advance or, if available, $65 at the event. Guests will receive a souvenir acrylic wine glass with the purchase of a ticket. To grab your tickets and learn more, visit bit.ly/41gIBHE.

13th annual Bo’s Oyster Roast & Chili Cook Off

Oysters and chili join together to fight cancer from noon to 5 p.m. Jan. 27 at James Island County Park, 871 Riverland Drive. For the 13th year in a row, the James Island Vikings will throw a cook-off to benefit Islands Against Cancer and Sara’s Cure, two local nonprofit organizations dedicated to assisting those impacted by cancer. All ages are invited to get their fill. General admission tickets are $25 and provide access to the chili cook-off and entertainment. VIP tickets, $60, include all-you-can-eat oysters. For more information and tickets, visit bosroast.com.

Onesie Bar Crawl

The fan-favorite pajama party bar crawl is back from 3 to 11 p.m. on Jan. 27 starting at Uptown Social, 587 King St. Don your favorite onesie and brave the colder weather with your peers on King Street. Included in your ticket is a free crawl koozie, discounted drink specials, cover-free priority entry to top King Street bars and, for the first 300 to finish the crawl, custom celebratory T-shirts. Plus, enjoy an afterparty at Aura Latin Club, 28 Ann St., from 8 to 11 p.m. Anyone 21 and older is invited to participate, including designated drivers who are choosing not to drink! Tickets are $29 in advance or $34 the day of the event, available at bit.ly/47Kutbd.

Get a weekly list of tips on pop-ups, last minute tickets and little-known experiences hand-selected by our newsroom in your inbox each Thursday.

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