Senior Medicare Advantage plan insurance in Isle of Palms, 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 Isle of Palms 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 Isle of Palms
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 Isle of Palms, 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 Isle of Palms. 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 Isle of Palms, SC
Isle of Palms: Things to Do and See at This Coastal SC Beach
If you are planning a family vacation to the SC coast, a stellar beach to visit is Isle of Palms. Things to do at IOP near Charleston are endless. Isle of Palms is convenient, family-friendly, and fun. You can even make a fun day trip out of it! She shares all the information that you need, including things to do, where to eat, and how much parking costs if you’re just planning a quick day trip at this local South Carolina beach. About Isle of PalmsRecently my family traveled to Charleston to ...
If you are planning a family vacation to the SC coast, a stellar beach to visit is Isle of Palms. Things to do at IOP near Charleston are endless. Isle of Palms is convenient, family-friendly, and fun. You can even make a fun day trip out of it! She shares all the information that you need, including things to do, where to eat, and how much parking costs if you’re just planning a quick day trip at this local South Carolina beach.
About Isle of Palms
Recently my family traveled to Charleston to spend the day at Isle of Palms. Yes, you read that right – we went for the day. Isle of Palms is completely doable as a day trip. It’s perfect if you’re like me and live on a budget but long to breathe in the salt air.
Let me tell you, I was so impressed. There’s a quaint beachfront road lined with restaurants and shops. The shops are your typical beach shops filled with t-shirts, trinkets, and every size/shape boogie board to hit the market. You know, the kind of shops full of souvenirs found only on the coast.
There are also plenty of unique places to eat, a wonderful and clean beach, and fun shops to explore!
Isle of Palms: Things to Do With Your Family
One of the best things to do while in town is to head to the beach. The beach at IOP is flat, and there is plenty of room, even during high tide. The boys had a great time with boogie and skimboards. You can also spend the day looking for seashells, building sandcastles, or just enjoying the sounds of the Atlantic Ocean. You can occasionally catch live music right by the dunes!
South Carolina’s crazy weather pattern has created a more hazardous environment for swimmers, so always be cautious of rip tides. In the midst of your family fun, make sure to keep an eye on the colored flag at the lifeguard stand.
Big Family Day Trip Tip: Isle of Palms County Park
If you park at Isle of Palms County Park, you’ll have restrooms, outdoor showers, and changing rooms available to you. This is a big deal when you’ll have 3 hour plus ride back home!
The beach can get pretty crowded, especially on Saturday, so plan to get there early in the day if you want a large space on the beach to set up camp. If you are in need of chair and umbrella rentals, there is a company for that! You can rent surfboards, bikes, chairs, and umbrellas from IOP Beach Chair Co. They even rent accessible beach wheelchairs.
You’ll also find rentals for chairs, umbrellas and boogie boards available at a cart by the restrooms at Isle of Palms County Park.
Bonus tip: There is a Harris Teeter across the street from Isle of Palms park. It’s a good place to stop before the beach to load up on snacks, fruit, or even some pre-made sandwiches. You’ll save some money here over restaurants and beach carts!
There’s certainly no shortage of food choices. Whether you enjoy live music and seafood, or you’re looking for some good ol’ American burgers and fries, you will find a delicious meal at Isle of Palms. One of the most popular places is Acme Lowcountry Kitchen. They have mostly seafood options and use fresh and local ingredients, which would make for a great dinner after a long day on the beach. They also have a pretty decent kids’ menu, which is always a plus.
If you are looking for something delicious right off Ocean Boulevard, then Smugglers Island Eats and Raw Bar will hit the spot. They pride themselves on a family-friendly atmosphere with a casual vibe. Smugglers, of course, offers seafood like fried shrimp baskets but also has smash burgers and vegetarian options if you want something else. Their frozen daiquiris are delicious by the way!
One of the most popular beach restaurants in IOP is Coconut Joe’s Beach Grill. They have lots of seafood dishes like crabcakes and shrimp and grits that are delicious, but they also have burgers and sandwiches. The restaurant is located by the ocean on Ocean Boulevard and offers a rooftop bar for patrons to enjoy a delicious cocktail while taking in the sunset over the Atlantic Ocean.
If you are a nature lover, then going on an ecology tour of the waterways and marshes near IOP would be a perfect addition to your trip. Barrier Island Eco Tours has public tours that are guided by a naturalist and include boat excursions, dolphin tours, an exploration of Capers Island, and more. You are certain to see lots of sealife on your excursion, and it is a wonderful way to learn more about the SC coast while also having a blast. The company offers public trips, private charters, school trips, and special events throughout the year.
Isle of Palms Beach Parking
The beachfront Isle of Palms County Park offers great parking, snack bars, restrooms, and beach access. Admission prices vary depending on the season but car prices do not exceed $15 during the week, and $20 on Saturday. If Saturday is your only option for travel, you’ll want to get an early start. The County Park lot will fill up, I promise. I’m speaking from experience.
Parking on the street is an option, but the spaces are limited on the weekends. There are electronic pay-boxes along the sidewalk, so make sure to have a card handy (it’s inexpensive). We lucked out with a spot on the street directly in front of beach access with a clean bathhouse.
Between the County Park and plenty of public beach access, you can’t go wrong with a trip to the Isle of Palms. Whether you are renting a home, having a day trip, staying at Wild Dunes Resort, or vacationing at one of the few hotels in town, you are certain to find your Isle of Palms vacation worthwhile.
Visit the Isle of Palms website for more information on where to eat, what to do, and where to stay if you need more than a day trip.
Find a Place to Stay in Isle of Palms
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What’s your favorite thing to do when visiting the Isle of Palms?
Isle of Palms residents vote against limiting short-term rentals
David Slade [email protected]https://www.postandcourier.com/news/isle-of-palms-short-term-rentals-limits-referendum-results/article_2fb99e44-7826-11ee-8ad2-fbb96719afc8.html
ISLE OF PALMS — On this barrier island known as a vacation destination, full-time residents voted against a proposal to limit short-term rental licenses.The hotly contested referendum was prompted by a petition signed by more than 30 percent of the city’s registered voters. It called for adoption of an ordinance with a 1,600-license cap on short-term rentals for homes taxed as commercial properti...
ISLE OF PALMS — On this barrier island known as a vacation destination, full-time residents voted against a proposal to limit short-term rental licenses.
The hotly contested referendum was prompted by a petition signed by more than 30 percent of the city’s registered voters. It called for adoption of an ordinance with a 1,600-license cap on short-term rentals for homes taxed as commercial properties.
Full-time residents, who can legally rent out their homes for up to 72 days each year, would have no limit on short-term rental licenses.
With all votes counted, the referendum was opposed by 54.5 percent. Results are unofficial until certified.
Isle of Palms has traditionally had a mix of full-time residents, second homes and rental properties, each accounting for about one-third of the residential properties. The island adjacent to Sullivan’s Island and across the marsh from Mount Pleasant has about 4,400 residents and 3,740 registered voters.
Proponents of the referendum argued that with no limits, short-term rental properties could come to dominate the island.
For opponents, a key issue was that if there were a cap on licenses, anyone buying a property could not be certain it could be used for short-term rentals, and that could depress prices. If the number of licenses hit the proposed cap — as they did in the summer of 2023 — investment property buyers interested in short-term renting would have to wait until the number came down.
With quality of life and real estate prices in question, both sides pushed hard. Websites were created by pro-referendum Preserve Isle of Palms Now and by anti-referendum Isle of Palms United. Campaign signs supporting or opposing the referendum lined island streets.
NORTH CHARLESTON — To continue efforts to become the Coast Guard’s “operational center of gravity” on the East Coast, officials broke ground Jan. 26 on its new $160 million campus.
This 64-acre site along the Cooper River — just south of the former naval base that closed in 1996 — will house an administration building and redesigned 1,100-foot concrete pier.
Construction is expected to begin later this year and be completed in 2026.
“This Charleston campus will have improved infrastructure that translates into more productive personnel and more efficient operations,” said Capt. Neal Armstrong, the commanding officer of facilities design and construction.
The 51,500-square-foot administration building will provide training and conference room space, and additional rooms dedicated to cutter ship support.
Sustainability is a priority, so the new facility will achieve net-zero energy usage and a net-zero carbon footprint, Armstrong said.
The current Pier November will be replaced with a pier more than three feet taller to enhance durability during coastal storms. It will provide utilities to support five national security cutters and a 90-ton crane, which is critical for dockside maintenance, Armstrong said.
During the design and construction phases nearly 60 subcontractors will support the two main contractors on the project, Whiting-Turner Contracting Company and RQ Construction LLC, providing work for nearly 900 people.
Commandant of the Coast Guard Adm. Linda Fagan, who spoke at the groundbreaking ceremony, said every Coast Guard mission begins and ends at a shore facility. When the ships are not at sea, they need a base that can provide necessary maintenance, she added.
The missions conducted at Base Charleston are vital to protecting national security and economic prosperity, Fagan said, adding that the new campus will aid in “lifesaving work,” including patrolling the waters for smuggled narcotics.
IOP residents cleaning up after Sunday's storm hit harder than expected
ISLE OF PALMS, S.C. (WCIV) — The Lowcountry saw its fourth highest tide on record Sunday after a Nor'easter hit the South Carolina coast.Neighborhoods on the beach, like Isle of Palms (IOP), were hit hard by coastal flooding and beach erosion. Most spent Monday trying to recover.IOP residents cleaning up after Sunday's storm hit harder than expected. Dec. 2023. (WCIV)People living on IOP are in clean-up mode; they’re filling bags with debris and trash found all over their property. They say they weren't expec...
ISLE OF PALMS, S.C. (WCIV) — The Lowcountry saw its fourth highest tide on record Sunday after a Nor'easter hit the South Carolina coast.
Neighborhoods on the beach, like Isle of Palms (IOP), were hit hard by coastal flooding and beach erosion. Most spent Monday trying to recover.
IOP residents cleaning up after Sunday's storm hit harder than expected. Dec. 2023. (WCIV)
People living on IOP are in clean-up mode; they’re filling bags with debris and trash found all over their property. They say they weren't expecting Sunday's storm to hit them so hard, including those who remember dealing with much worse.
"We went through Hurricane Hugo here at the same location," said Mike Sottile, who has resided on the same IOP street for 46 years. "This was not as bad as Hurricane Hugo, obviously, but it was a lot of cleanup. It's probably the most cleanup we've had since Hurricane Hugo."
The clean-up took an entire day. Sottile says he started cleaning at 5 a.m. and the pile of 10 of bags spilling over at the end of his driveway wasn't full until 3 p.m. And the debris scattered around his property wasn't all the storm left behind.
"I had water in my garage that was probably two feet deep," Sottile said. "My backyard was in knee deep water and it was just a combination of storm surge and seven inches of rain."
Those two feet of water filled his garage while destroying the family's washer and dryer. The family says they're now in a hurry to replace those appliances during the busy holiday season, with Christmas festivities quickly approaching for them.
According to Sottile, people living on IOP are used to flooding every year, but the recovery from this storm is taking longer.
"We normally don't have this kind of cleanup," he said. "When I say we've had storms in the past, usually it's just what you see in the street and it drains off as soon as the tide goes back out."
Most of the flood waters have receded from the streets. Still, Sottile said his work is far from done. His cable television service is out, but the heat is working. He feels lucky the damage wasn't worse, like the kind he's experienced in the past.
Neighbors say they're now waiting for the city to come and collect the trash before they can get back to normal life.
"I put in a call to the public works, let them know it was here," Sottile said. "I'm sure they're inundated by a lot of people on the island, so hopefully it'll get picked up before Christmas."
Isle of Palms residents to decide on capping short-term rental licenses in upcoming vote
ISLE OF PALMS, S.C. (WCIV) — There are less than 25 days until a big decision is made on the Isle of Palms.Should short-term rental licenses be capped at 1,600?"We moved here deliberately," said Billy Lempesis, a resident of IOP, "understanding that it was a beach community. I have family here. It's always been a wonderful place. It's hard to understand the necessity of restricting short-term rentals."Isle of Palms residents to decide on capping short-term rental licenses in upcoming vote (WCIV)...
ISLE OF PALMS, S.C. (WCIV) — There are less than 25 days until a big decision is made on the Isle of Palms.
Should short-term rental licenses be capped at 1,600?
"We moved here deliberately," said Billy Lempesis, a resident of IOP, "understanding that it was a beach community. I have family here. It's always been a wonderful place. It's hard to understand the necessity of restricting short-term rentals."
Isle of Palms residents to decide on capping short-term rental licenses in upcoming vote (WCIV)
Many people say they're still unsure how they will vote.
"There's a lot more information that people need to find out if they're not clear because there's a gray area," said Debbie Strable, a resident of IOP for 22 years. "It is not what black and white, it's not quite clear to a lot of people. And it certainly isn't maybe 100% to me."
News 4 spoke with Mayor Phillip Pounds on Friday.
He said the city already has a little over 1,600 licenses issued.
News 4 asked him if this passes, would it impact property value and property taxes.
To that, he said he didn't think there would be an immediate effect on either one.
he also made a comparison to other Lowcountry beaches.
"If you look at what's going on at Folly Beach, who put a cap in earlier this year, you know, their, their property values have gone down, you know, pretty significantly in just a few months," said Pounds.
Mayor Pounds said it's most important to know exactly what it is you're voting for.
"I would just encourage our residents to get educated from whatever source they use, to get their facts," Pounds said. "You know, whether it's the city's website or their couple of neighborhoods sites that have popped up. You just make sure you're educated on what your choice is."
A petition was created to get this referendum on the ballot.
Right now, IOP is the only Lowcountry beach community without a short-term rental cap.
Isle of Palms residents rally for cap on short-term rentals: Referendum to hit upcoming ballot
ISLE OF PALMS, S.C. (WCIV) — Currently, Isle of Palms has no limits on the amount of short-term rental licenses on the Island, which is something neighbors have been concerned about for years.“We’re the only community in South Carolina coastal communities without limitations, and that includes all of the surrounding communities," Randy Bell, a former IOP councilmember, said. "You have 40 short-term rentals on Sullivan's island, 400 in mount pleasant, and maybe 100 in Charleston, but you have 1,800 here.&quo...
ISLE OF PALMS, S.C. (WCIV) — Currently, Isle of Palms has no limits on the amount of short-term rental licenses on the Island, which is something neighbors have been concerned about for years.
“We’re the only community in South Carolina coastal communities without limitations, and that includes all of the surrounding communities," Randy Bell, a former IOP councilmember, said. "You have 40 short-term rentals on Sullivan's island, 400 in mount pleasant, and maybe 100 in Charleston, but you have 1,800 here."
Isle of Palms residents rally for cap on short-term rentals: Referendum to hit upcoming ballot (WCIV)
Earlier in the month, Isle of Palms neighbors formed a grassroots petition to cap the number of short rentals at 1,600. The petition was signed by more than 1,100 residents. This led to the county verifying the petition forcing the city council to put a referendum on the ballot.
"The residents put forth a petition, and that’s how democracy works, and we'll put that on the ballot," Mayor Phillip Pounds of Isle of Palms said. "So it’s to cap what they call investment short-term rentals. So non-full-time rental properties to cap that at 1,600, and that will be the simple question on the ballot: a simple yes or no."
With the decision now up to voters, former Councilman Randy Bell hopes the council learns to listen to their constituents moving forward.
“We’re the dry sponge in the middle of a puddle, and we don’t want to be the dry sponge anymore. We would like to have reasonable limitations well thought out by council. It should have avoided a referendum, but here we are," Bell continued. “I was on council, and I don’t care what every councilperson’s opinion is, but you’re there to represent the people that put you in office."
For the next upcoming election, there are four council seats open.