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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.
Service Areas
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 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:
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:
- 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 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
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.
Latest News in Hanahan, SC
Milan Turner named head football coach at Hanahan High School
Frank Sulkowskihttps://www.wjcl.com/article/milan-turner-named-head-football-coach-at-hanahan-high-school/42652863
HANAHAN, S.C. —Milan Turner has Carolina on his mind.Turner, who was head coach at three different Georgia high schools, has been named the new head coach at Hanahan High School in South Carolina.Turner had successful head coaching stints at Emanuel County Institute (2005-2010), Thomson (2011-2013) and Veterans (2018-2021). He served as the director of high school relations for the Georgia Southern football program in 2022.This content is imported from Twitter. You may be able to find the sa...
HANAHAN, S.C. —
Milan Turner has Carolina on his mind.
Turner, who was head coach at three different Georgia high schools, has been named the new head coach at Hanahan High School in South Carolina.
Turner had successful head coaching stints at Emanuel County Institute (2005-2010), Thomson (2011-2013) and Veterans (2018-2021). He served as the director of high school relations for the Georgia Southern football program in 2022.
This content is imported from Twitter. You may be able to find the same content in another format, or you may be able to find more information, at their web site.
Thank you to Coach Helton, Staff, Players, Administration and Eagle Nation for an exciting journey this year. Thank you for letting me be a small part of something Special! The future is bright at Georgia Southern, You ain’t seen nothin’ yet! #GATA #HailSouthern pic.twitter.com/yaTU5ZqoUv
— Milan Turner (@MilanTurner_GS) January 25, 2023
Turner compiled a 112-43 record over 13 seasons as a head coach in the Peach State. He would lead Emanuel County Institute to 65 wins and a state championship in 2007. The Bulldogs would finish GHSA Class A runner-up in 2008.
“We are elated to welcome Coach Turner to the Hawk family,” Hanahan High Principal Tom Gallus said. “Our community is very fortunate to have a coach of this caliber to lead and develop our student-athletes on and off the field. Coach Turner is a proven educator and leader. He knows what it takes to build a successful high school football program and to ensure that each student is prepared for their next steps after high school. I look forward to serving alongside Coach Turner and seeing our Hawks shine under the Friday night lights.”
Turner takes over a Hanahan program that went 6-4 in 2022. He replaces interim coach Steve Blanchard, who took over after Art Craig stepped away and eventually retired.
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Turner has been an educator since 1994. Prior to becoming a head coach, he spent time as an assistant at several Georgia schools. Turner has coached in six GHSA state championship games during his time at five different Georgia high schools.
He has been named the North/South All-Star Head Coach, Region Coach of the Year, Atlanta Touchdown Club Class A Coach of the Year, GACA Class A State Coach of the Year, and was selected to coach in the 2008 Under Armour national all-star game.
This content is imported from Twitter. You may be able to find the same content in another format, or you may be able to find more information, at their web site.
Can’t thank you enough for what you mean to our football family coach! You were meant to be apart of kids lives! We will all be cheering for you in South Carolina! https://t.co/ttjDWBHhqO
— Clay Helton (@GSCoachHelton) January 25, 2023
Enjoy your holiday weekend with Edisto Beach Shag, Jazz festivals and much more
Elisheva Wimberlyhttps://www.lowcountryweekend.com/2023/03/14/woofstock-returns-hanahan-amphitheater/
Charleston Wine + FoodEnjoy the return of Summer Wine Festival, tasting events and conference for youthA festival making its return at the Charleston Harbor Cruise Terminal, coffe...
Enjoy the return of Summer Wine Festival, tasting events and conference for youth
A festival making its return at the Charleston Harbor Cruise Terminal, coffee-tasting events and a conference for young men and boys in the community are all happening this weekend.
August 25, 2023 at 4:50 pm EDT
Palmetto Park Jam to feature Idlewild Revival on Oct. 15
Allman Brothers tribute band at Palmetto Islands County Park.
By Jared Hocevar
Grind for Life Series skates into the Lowcountry Sept. 30
SK8 Charleston to host skateboarding competition benefitting cancer patients; spectators welcome.
By Jared Hocevar
Southeastern Wildlife Exposition Opens Year-Round Wildlife Art Gallery
Gallery by Southeastern Wildlife Exposition, will host its grand opening on August 30.
By Jared Hocevar
Experience the tastes and traditions of Charleston’s Latin American community!
Inaugural Trick, Treat & Trail Family Fun Run, Walk & Stroll at Wannamaker County Park!
The fundraiser supports various projects including camp scholarships and inclusive events
A festival making its return at the Charleston Harbor Cruise Terminal, coffee-tasting events and a conference for young men and boys in the community are all happening this weekend.
Allman Brothers tribute band at Palmetto Islands County Park.
Things to Do
Experience the tastes and traditions of Charleston’s Latin American community!
Inaugural Trick, Treat & Trail Family Fun Run, Walk & Stroll at Wannamaker County Park!
The fundraiser supports various projects including camp scholarships and inclusive events
A festival making its return at the Charleston Harbor Cruise Terminal, coffee-tasting events and a conference for young men and boys in the community are all happening this weekend.
Allman Brothers tribute band at Palmetto Islands County Park.
Food
New culinary offerings from The Charleston Place!
Starting Monday, the chain began selling its seasonal pumpkin spice menu, this time with two new doughnut flavors and two returning favorites.
According to a news release, everyone and anyone can enjoy the tasty treat in stores on July 11 at participating 7-Elevens, Stripes and Speedway locations.
The flavors include pineapple passionfruit, mango dragon fruit and strawberry açaí.
Latest Articles
City Guide
40 years of serving the Lowcountry!
Great things in store for Wiltown Community Center Park!
Readers of Southern Living magazine have given the Holy City another top ranking in its annual South’s Best Awards.
The Taste of Folly is back!
The annual Flip-Flop Drop & Fireworks show, the "Hair of the Groundhog" Cocktail Competition, and the Bill Murray Look-a-Like Polar Plunge and costume contest are all this weekend.
A chance to give life-saving blood back to the Lowcountry!
Fall events are back select nights beginning September 15 through October 29
Charleston County Parks’ scenic off-road run and walk!
Enjoy these Lowcountry weekend events before kids in the tri-county return back to the classroom.
Gathering data on the pollinator population, and increasing their habitats!
Support More Than 200 Animals That Call Hallie Hill Home.
So many great things happening at your Charleston County Parks!
Fun in the sun is coming to a halt at a Lowcountry water park.
A chance to see your pet on the 2023 Rescue Brew can!
New culinary offerings from The Charleston Place!
Relaxing yoga with breathtaking views!
Reelected Hanahan mayor talks past, present and future of city
Emily Johnsonhttps://www.live5news.com/2022/11/11/reelected-hanahan-mayor-talks-past-present-future-city/
HANAHAN, S.C. (WCSC) - After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.In this year’s election, no opponents ran against Rainwater, which she says was a relief to not sit on the edge of her seat and worry about winning or not.“I feel like the residents of the city have seen the work I’ve put in, and they want that to keep going,” she says. “They want the momentum to continue, and no one ran against me. I’m able t...
HANAHAN, S.C. (WCSC) - After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.
In this year’s election, no opponents ran against Rainwater, which she says was a relief to not sit on the edge of her seat and worry about winning or not.
“I feel like the residents of the city have seen the work I’ve put in, and they want that to keep going,” she says. “They want the momentum to continue, and no one ran against me. I’m able to really continue keeping that momentum going.”
The Hanahan City Council and school board members were all reelected on Tuesday, and the mayor says will continue as a strong partnership because of the established relationships.
Similar to the rest of the Lowcountry, Hanahan continues to grow. Rainwater focused on building economic development and recreation in the area by adding two new parks over the last four years.
“Really bringing this quality of life to the residents is what we’ve been doing over the past four years and will continue to do over the next four,” she says.
As for the upcoming four years, the mayor really wants to focus on flooding concerns, more economic growth and additional housing for the community. She also mentioned that the Lowcountry Rapid Transit plans include four stops that will positively impact Hanahan.
“We are really looking at our specifically downtown area and how can we allow for housing that will work for everyone,” Rainwater says. “We have changed the ordinances over the past few years that will allow for us to build up a little higher and bring that in.”
The mayor also expressed that Hanahan has a small-town feel despite being the seventeenth-largest city in South Carolina.
“I like to say I bleed blue and orange,” she says. “Hanahan is the heart of the Lowcountry. When you look at its location, you’ve got downtown Charleston, Summerville, Mount Pleasant, West Ashley, and right in the heart, you’ll find Hanahan. The truth is, it’s not just because of its location; the people in Hanahan are so special.”
Copyright 2022 WCSC. All rights reserved.
New Hanahan football coach makes move from Peach State
Rob Gantthttps://www.postandcourier.com/our-gazette/sports/prep_sports/new-hanahan-football-coach-makes-move-from-peach-state/article_01a5bc12-9c22-11ed-8ea1-4ba078144586.html
Hanahan High School’s next football coach has won better than 72 percent of his games in three Peach State stops as a head coach, including one state championship.Milan Turner has certainly been around a lot of winning football going back nearly three decades.Counting his time as an assistant coach in the mid-1990s, Turner has been on the sideline for six state championship games with five programs. Two of those won it all in Georgia, where he’s coached his whole career until now.“We are elated to welco...
Hanahan High School’s next football coach has won better than 72 percent of his games in three Peach State stops as a head coach, including one state championship.
Milan Turner has certainly been around a lot of winning football going back nearly three decades.
Counting his time as an assistant coach in the mid-1990s, Turner has been on the sideline for six state championship games with five programs. Two of those won it all in Georgia, where he’s coached his whole career until now.
“We are elated to welcome Coach Turner to the Hawk family,” Hanahan High Principal Tom Gallus said. “Our community is very fortunate to have a coach of this caliber to lead and develop our student-athletes on and off the field. Coach Turner is a proven educator and leader. He knows what it takes to build a successful high school football program and to ensure that each student is prepared for their next steps after high school. I look forward to serving alongside Coach Turner and seeing our Hawks shine under the Friday night lights.”
Most recently, though, Turner was on the college level for one season, serving as the director of high school relations for the Georgia Southern football program.
Before Georgia Southern, where he earned his undergraduate and Master’s degrees, Turner compiled a 112-43 mark over 13 seasons as a head coach for three Georgia programs: Emanuel County (2005-10), Thomson (2011-13) and Veterans (2018-21). Turner’s teams won 65 games in six seasons at Emanuel, claiming the Class A crown in 2007 and finishing runner-up in 2008. He was 24-10 at Thomson and 23-21 at Veterans, both marks skewed heavily by one rough season.
In between Thomson and Veterans, Turner was on staff at Coffee High School for four seasons. Coffee was the Class 6A runner-up in 2017. He was also an assistant for the Class 4A state champion at Warner Robins in 2004 and played for state titles as an assistant at 2A Fitzgerald in 2000 and 2A Screven County in 1994.
Turner takes the reins from interim coach Steve Blanchard, who guided the Hawks for most of the season after Art Craig stepped away mid-season and eventually retired.
Last fall, Hanahan started off 6-1 and dropped three straight to finish 6-4 after a first-round playoff loss to Brookland-Cayce.
“First, I would like to thank Coach Clay Helton and Georgia Southern University for the incredible opportunity I had to serve this year on the football staff,” Coach Turner said in a statement released by HHS. “I want to also thank Principal Tom Gallus, Athletic Director Kim Joseph, the search committee, and the Berkeley County Board of Education for this incredible opportunity to be a teacher and head football coach at Hanahan High School. I am extremely excited for the future of our school and athletic program. I cannot wait to get to work with our team and to meet the Hanahan community.”
County, City of Hanahan Holding Ribbon-Cutting for Railroad Avenue Extension
berkeleycountysc.govhttps://berkeleycountysc.gov/county-city-of-hanahan-holding-ribbon-cutting-for-railroad-avenue-extension/
MONCKS CORNER, S.C. – (Tuesday, March 14, 2023) – Berkeley County, in partnership with the City of Hanahan, will celebrate the completion of Railroad Avenue Extension in Hanahan with a ribbon-cutting ceremony on Friday, March 17 at 10 a.m. The event will take place in front of the Hanahan Recreation Center ballfields across from Mabeline Road in Hanahan.This critical road project, which was managed by the S.C. Department of Transportation, has been in the works since the 1990s. The County ...
MONCKS CORNER, S.C. – (Tuesday, March 14, 2023) – Berkeley County, in partnership with the City of Hanahan, will celebrate the completion of Railroad Avenue Extension in Hanahan with a ribbon-cutting ceremony on Friday, March 17 at 10 a.m. The event will take place in front of the Hanahan Recreation Center ballfields across from Mabeline Road in Hanahan.
This critical road project, which was managed by the S.C. Department of Transportation, has been in the works since the 1990s. The County celebrated the project’s groundbreaking in spring 2021.
Kiewit Infrastructure South constructed the project, which consisted of extending Railroad Avenue from Mabeline Road to Eagle Landing Boulevard and adding a two-lane roadway along the eastern side of the existing CSX rail line, with a sidewalk along one side of the road.
The project provides a safer connection between North and South Hanahan. Specifically, drivers will no longer have to enter Rivers Avenue and cross the railroad twice; and first responder vehicles will also have a better and safer access to those communities, overall improving emergency response times.
This project cost an estimated $20.1 million, including approximately $16 million from Berkeley County’s One-Cent Sales Tax Program—specifically from the referendum voters passed in 2014—and $4 million from federal funds.
“This road extension project, which has been decades in the making, is a gamechanger for the Hanahan community and public safety. We are thankful to Berkeley County voters for approving the County’s One-Cent Sales Tax referendum and to Congressman Henry Brown for securing federal funds to pay for this long-awaited infrastructure project. We are confident the result will be faster emergency response times and safer travel for all.” -Berkeley County Supervisor Johnny Cribb
“Thanks to the perseverance and hard work of so many who have passed the torch of this much needed project, we are finally celebrating the infrastructure connectivity of Hanahan through Railroad Avenue Extension. I am grateful for the collaboration of many different agencies to make this happen. Hanahan is now safer, transportation is easier, and quality of life is better.” -Hanahan Mayor Christie Rainwater
The City of Hanahan will also host a “Meet in the Street Block Party” event at 5:30 p.m. on Friday to commemorate the road project’s completion. There will be a food truck and other festivities. For more information, go HERE.
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-Prepared by the Berkeley County Public Information Office-
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