Senior Medicare Advantage plan insurance in Hilton Head, 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 Hilton Head or simply have questions about signing up for Medicare, our team is here to help.
Guiding You Through The Confusion of Medicare!Request a Consultation
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:
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 Hilton Head
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:
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.
Senior Medicare Advantage Plan Insurance in Hilton Head, SC
A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:
In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior 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 Hilton Head. 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 Hilton Head, SC
HOT PROPERTIES: Firm buys Hilton Head hotel
Hunter Hotel Advisors helped usher through the sale of Best Western Ocean Breeze Inn at Hilton Head Island.Hilton Head Hospitality LLC sold the property to an institutional buyer at an undisclosed price, according to a news release from Hunter. Trey Scott, senior vice president of Hunter, advised the seller. The new buyer intends to reposition the property as a Spark by Hilton, the news release said.Located in the heart of South Forest Beach, the Best Western Ocean Breeze Inn includes 63 rooms. The property is less than a mile ...
Hunter Hotel Advisors helped usher through the sale of Best Western Ocean Breeze Inn at Hilton Head Island.
Hilton Head Hospitality LLC sold the property to an institutional buyer at an undisclosed price, according to a news release from Hunter. Trey Scott, senior vice president of Hunter, advised the seller. The new buyer intends to reposition the property as a Spark by Hilton, the news release said.
Located in the heart of South Forest Beach, the Best Western Ocean Breeze Inn includes 63 rooms. The property is less than a mile from Coligny Beach Park, home to more than 60 specialty shops and local restaurants. Directly adjacent to the property is the 17-court Van Der Meer Tennis Facility. Numerous golf courses are nearby, including Harbor Town Golf Links, home of the RBC Heritage PGA Tour event.
Hunter Hotel Advisors is an investment advisory firm focused exclusively on the hotel industry.
Other recent commercial real estate deals include:
Robert Pratt of Re/Max Pro Realty represented the landlord, Sandlapper One Associates LLC, in the lease of 7,884 square feet of warehouse space at Building 100, 7641 Sandlapper Parkway, in North Charleston to Prism Specialties of SC & East Georgia. Hunter Hartley of Lee & Associates represented the tenant.
James A. Dingle of Coldwell Banker Commercial Atlantic represented the seller, Ganesh Gardens LLC, in the sale of office space at 2102 Otranto Blvd. in North Charleston for $935,000.
Taylor Sekanovich of Harbor Commercial Partners represented the landlord, Worksite Properties LLC, in the lease of 899 square feet of office space at 3404 Salterbeck St., Unit 208, Mount Pleasant to Sew Much Better.
Jenna Philipp of Palmetto Commercial Properties represented the landlord, Sandlapper One Associates LLC, in the lease of 10,103 square feet of industrial space at 7635 Sandlapper Parkway from MVS Industries Inc. Robert Pratt of Re/Max Pro Realty represented the tenant.
Brent Case and Jing “Julia” Donovan of Coldwell Banker Commercial Atlantic represented the landlord, Windsor Hill Flex LLC, in the lease of office/retail/flex space at Suite 4, 8210 Windsor Hill Blvd. in North Charleston to La Hacienda of West Ashley LLC. Hannah Kamba of Coldwell Banker Commercial Atlantic represented the tenant.
Hot Properties highlights recently sold or leased commercial properties in the Charleston region. Send in your transactions using our online form.
Drenching rains and lashing winds on tap for East Coast. Will Hilton Head be hit?
The Lowcountry is not out of the clear as a strong low-pressure system will push its way from the Gulf Coast, sending drenching rains and lashing winds along the Eastern Seaboard this weekend.Beginning Saturday afternoon, rain and coastal wind will whip up in the Lowcountry, and the effects will linger into Monday morning, according to the National Weather Service’s Charleston Office.NWS meteorologist Michael Stroz said impacts to the Lowcountry will depend on the storm’s track and timing. As models become clearer, ...
The Lowcountry is not out of the clear as a strong low-pressure system will push its way from the Gulf Coast, sending drenching rains and lashing winds along the Eastern Seaboard this weekend.
Beginning Saturday afternoon, rain and coastal wind will whip up in the Lowcountry, and the effects will linger into Monday morning, according to the National Weather Service’s Charleston Office.
NWS meteorologist Michael Stroz said impacts to the Lowcountry will depend on the storm’s track and timing. As models become clearer, the storm looks like it will track to the northeast, paralleling the coastline. Stroz said the Lowcountry will see the majority of effects starting late Saturday and lasting through Sunday evening.
“Sunday will be a rather ugly weather day for us,” said Frank Strait, the state’s severe weather liaison. “Travel conditions will be awful due to wet roads and strong winds; I recommend staying home if you can.”
Beaufort County could get pelted with rain that totals between 3 and 4 inches. Local amounts could be higher, the service added. Low-lying areas and those with poor drainage will be particularly vulnerable, and roads and bridges may be slippery. Because of the rate of rain over time, Stroz said there is little likelihood that flash flooding will occur.
On Friday, the uncertainty of the storm’s track meant impacts from coastal flooding weren’t immediately clear, Strait said.
The storm will pass close to the coast, he said, but it could track just inland or offshore. The further offshore the storm center passes, onshore wind will be less significant. That would lead to a decreased coastal flooding risk during Sunday morning’s high tide. But, if it tracks over land, the longer period of onshore winds whipping through would increase flooding risk.
Rain accumulation doesn’t account for its interaction with high tides. In Beaufort, Saturday and Sunday’s high tides range between 7.3 feet and 8.6 feet, USHarbors predicted. On Hilton Head Island, the weekend high tides span from 6.5 feet to 7.5 feet.
Local meteorologists forecast that wind gusts along the South Carolina coast could blow up to 40 mph throughout the weekend. Strait said wind is the primary threat, with the possibility of causing damage to trees and power lines. Beaufort County is at a marginal risk for severe thunderstorms on Sunday, according to the National Oceanic and Atmospheric Administration.
The NWS called marine and surf conditions “dangerous,” as wind gusts and high seas are expected to stir up waters. Across the entire South Carolina coast, forecasters say breaking waves will reach up to 5 feet or greater, agitating the seas Saturday night through Sunday.
Seas as high as 10 feet to 18 feet are possible Saturday into Monday morning, the service said. Beginning Saturday and lasting through Sunday night, there is a potential for 35 to 45 kt wind gusts blasting over local waters.
What does that all mean? Avoid beaches. Ditch any boating plans. Prep for property flooding. Leave time for travel and room between cars. And check any arriving and departing flights.
As of Friday morning, there were no delayed arrival or departure flights at the Savannah/Hilton Head International Airport or the Hilton Head Island Airport. While Beaufort County won’t see major impacts until Sunday, do not to count out traveling further south, where the deluge, strong winds and the potential for severe thunderstorms are expected as early as Saturday morning.
The majority of South Carolina’s coast is under a small craft advisory and gale watch. Stroz said a high surf advisory for the entire coast may be issued.
Based on local weather predictions, Beaufort County should clear up Monday, but evening temperatures will cool.
This story was originally published December 15, 2023, 11:47 AM.
Storm drenches Florida and causes floods in South Carolina as it moves up East Coast
The Associated Presshttps://www.islandpacket.com/news/nation-world/national/article283154423.html
An intense late-year storm barreled up the East Coast on Sunday with heavy rains and strong winds that shattered rainfall records, forced water rescues from flooded streets and washed out holiday celebrations.Authorities rescued dozens of motorists stranded by floodwaters in South Carolina's waterfront community of Georgetown, Georgetown County spokesperson Jackie Broach said. More than 9 inches (22.9 centimeters) of rain fell in the area situated between Charleston and Myrtle Beach since late Saturday.“It’s not jus...
An intense late-year storm barreled up the East Coast on Sunday with heavy rains and strong winds that shattered rainfall records, forced water rescues from flooded streets and washed out holiday celebrations.
Authorities rescued dozens of motorists stranded by floodwaters in South Carolina's waterfront community of Georgetown, Georgetown County spokesperson Jackie Broach said. More than 9 inches (22.9 centimeters) of rain fell in the area situated between Charleston and Myrtle Beach since late Saturday.
“It’s not just the areas that we normally see flooding, that are flood-prone,” Broach said. “It’s areas that we’re not really expecting to have flooding issues...It’s like a tropical storm, it just happens to be in December.”
The tide in Charleston Harbor hit its fourth highest level on record and was “well above the highest tide for a non-tropical system,” according to the National Weather Service.
Rising sea levels driven by human-caused climate change mean even relatively weak weather systems can now produce storm surges previously associated with hurricanes, said Meteorologist Jeff Masters, co-founder of the Weather Underground. In South Carolina that’s worsened by natural subsidence along the coast.
By 2050, Charleston is expected to see another 14 inches (35.6 centimeters) of sea level rise, Masters said.
"In Charleston, this is the sixth time this year already that they've had a major coastal flood. Most of those would not have been major flooding 100 years ago, because the sea level has risen that much," he said.
The storm was forecast to gain strength as it tracked along the Georgia and Carolina coasts, producing heavy rain and gusty winds before sweeping into New England by Monday morning, the weather service said. Wind gusts of 35 mph to 45 mph (56 kph to 72 kph) could bring down trees, especially on saturated ground.
There were numerous road closures in Charleston and across South Carolina's Lowcountry, while stranded cars littered streets.
There were no reports of injuries or deaths in Georgetown County, Broach said. Gusty winds were strong enough to topple some signs and trees. Outdoor holiday decorations were tossed about, she said.
Water rescues also took place on Kiawah and Seabrook islands, according to media outlets.
Charleston International Airport had more than 3 inches (8 centimeters) of rain in 24 hours — almost five times the prior record set in 1975, according to the National Weather Service.
Farther up the coast, minor to moderate coastal flooding was expected Sunday, according to the National Weather Service office in Wilmington, North Carolina.
There were more than 31,000 power outages in South Carolina, according to PowerOutage.us, along with over 14,000 in North Carolina and more than 11,000 in Florida.
New York Gov. Kathy Hochul warned of a possible 2 to 4 inches (5.1 to 10.2 centimeters) of rain, powerful winds and potential flooding in parts of the state. Flood watches were in effect in many locations in New York City, and high wind warnings were activated around the city and Long Island.
“We will get through this storm, but preparation is the key,” New York Mayor Eric Adams said. City officials told residents to expect several hours of rain and possible delays during Monday morning’s commute.
Colder air behind the storm will trigger lake-effect snow across the Great Lakes toward the Appalachians and upstate New York into Tuesday, the weather service said.
The storm dumped up to 5 inches (12.7 centimeters) of rain across Florida, inundating streets and forcing the cancellation of boat parades and other holiday celebrations.
The National Weather Service issued flood warnings and minor flooding advisories for a wide swath of the state, from the southwest Gulf Coast to Jacksonville. Major airports remained open, however, at the start of the busy holiday travel season.
“Today is not the day to go swimming or boating!” Sheriff Carmine Marceno of Lee County, on Florida's southwestern coast, said on X, formerly known as Twitter.
Coastal advisories were issued for much of Florida as strong winds churned waters in the Gulf and along the north Atlantic coast.
The storm could be good news for residents in southwest Florida who have been facing water restrictions and drought conditions heading into what normally is the region's dry season.
The weather service also warned of 2 to 4 inches (5.1 to 10.2 centimeters) of rain in parts of Pennsylvania, New Jersey and Delaware, with the heaviest expected late Sunday night, and possible urban and small stream flooding and at least minor flooding to some rivers through Monday.
Forecasters also warned of strong winds in coastal areas, gale-force winds offshore, and moderate coastal flooding along Delaware Bay and widespread minor coastal flooding elsewhere.
The weather service said there is a slight risk of excessive rainfall over parts of New England through Monday morning, with the potential for flash flooding. Northern New England is expected to get the heaviest rain Monday through Tuesday morning.
This story was originally published December 17, 2023, 11:00 AM.
The cost of Idalia: How much damage did the storm do to Hilton Head?
Despite Hurricane Idalia making landfall near Florida’s Big Bend region as a Category 3 storm, spinning across and arriving in South Carolina bringing record high tides bolstered by a blue super moon, Hilton Head and the Lowcountry were spared the worst of the storm’s wrath.Having weakened to a tr...
Despite Hurricane Idalia making landfall near Florida’s Big Bend region as a Category 3 storm, spinning across and arriving in South Carolina bringing record high tides bolstered by a blue super moon, Hilton Head and the Lowcountry were spared the worst of the storm’s wrath.
Having weakened to a tropical storm by the time it tracked into Beaufort and Jasper Counties, Idalia’s mild passing was more conducive to hurricane parties and cocktails than an evacuation. Even a “mild” tropical storm brings wind gusts nearing 80 mph, however, and not everyone on Hilton Head was lucky enough to escape unscathed.
Much of the damage that was done came at the hands of powerful wind gusts toppling old, weakened trees or ripping away large branches. According to Hilton Head Island Building Official Christopher Yates, $135,000 of damage was caused by trees and limbs alone.
Power lines downed by trees and detached branches left 33,000 in the Lowcountry without power at one point.
The town recorded five homes across the island damaged by fallen trees. The severity of the damage varied, from one falling onto an islander’s front porch — a roughly $5,000 repair — to another smashing through a home’s roof, a repair estimated to cost $70,000.
Three other homes had trees fall onto their roofs without breaking through, still causing enough damage to necessitate $20,000 each in repairs.
Hilton Head Fire Rescue responded to 33 Idalia-related calls as the storm pushed across the island and back into the Atlantic. Of those 33, 31 were “tree down related incidents.”
That number pales in comparison to the estimated 120,000 trees that were downed by 2016’s Hurricane Matthew, and the 80 claimed by Hurricane Dorian in 2019. Fire personnel were busier during Dorian as well, taking over 100 calls related to the storm according to data provided by Battalion Chief Christopher Osterman.
The island largely escaped Idalia, but residents may not have much time to catch their breath. Meteorologists have warned residents not to let their guard down with Hurricane Lee intensifying near the Caribbean.
It has already become a Category 1 hurricane, and is expected to grow into an “extremely dangerous” Category 4 storm by the weekend. Its path is still uncertain, but the storm could approach Hilton Head from the Atlantic or spin up the coast, tracking northeast and dissipating at sea.
Most current models of the hurricane’s predicted path lean toward the latter, with Lee curving northeast toward Bermuda.
This story was originally published September 7, 2023, 11:16 AM.
5 of the best comfort food restaurants on Hilton Head for the cold winter months, Yelp says
Sarah Claire McDonaldhttps://www.islandpacket.com/news/local/article283067678.html
Are you looking for a local island establishment that serves some of the best Southern comfort food in the area?Luckily, there’s no shortage of “good finds” on Hilton Head Island serving coastal cuisine this winter.Here are the top five restaurants on Hilton Head serving Southern comfort food this winter.A Lowcountry Backyard Restaurant delivers a Lowcountry cuisine experience reminiscent of simpler times. This restaurant has...
Are you looking for a local island establishment that serves some of the best Southern comfort food in the area?
Luckily, there’s no shortage of “good finds” on Hilton Head Island serving coastal cuisine this winter.
Here are the top five restaurants on Hilton Head serving Southern comfort food this winter.
A Lowcountry Backyard Restaurant delivers a Lowcountry cuisine experience reminiscent of simpler times. This restaurant has been recommended and rated as the eatery with the best Lowcountry shrimp and grits in the Palmetto State and the third best in the world, according to the locale’s menu. A hot spot for local island cuisine, the establishment is located toward the south end of the island at 32 Palmetto Bay Road, Hilton Head Island, SC 29928.
Annie O’s Kitchen is a restaurant that crafts clean and delicious fare with sustainable, nutritious ingredients that value Southern traditions and modern techniques. Annie O’s serves contemporary southern dishes rooted in the regional Lowcountry. With fresh fried chicken on the menu as well as a variety of other delectable dishes, this restaurant has options for the whole family. The establishment can be found at 124 Arrow Road, Hilton Head Island, SC 29928.
Lucky Rooster Kitchen + Bar is a self-proclaimed American bistro with Southern soul. Serving brunch, lunch and dinner, this restaurant serves a variety of meals that the family will love. Lucky Rooster’s menu changes seasonally based on ingredients, tides, and the staff’s inspiration. The restaurant can be found at 841 William Hilton Parkway Unit A, Hilton Head Island, SC 29928.
Southern Coney & Breakfast is an American-style cafe and diner on the island that also offers vegan and vegetarian options for their guests in addition to fried chicken and other culinary delights. The eatery is a brunch and lunch establishment that can be found at 70 Pope Avenue, Hilton Head Island, SC 29928.
Kenny B’s French Quarter Cafe can be found on the south end of the island across from Coligny Plaza. Kenny B’s channels the New Orleans French Quarter in regard to its decor and serves creole and New Orleans-style cuisine. The pièces de résistance are the restaurant’s beignets. The cafe can be found at 70 Pope Avenue Suite A, Hilton Head SC, 29928.