Senior Medicare Advantage plan insurance in James Island, 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 James Island 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 James Island
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 James Island, 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 James Island. 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 James Island, SC
Charleston Co. moves forward with James Island intersection improvements
CHARLESTON, S.C. (WCSC) - One concerned resident living on James Island says there is a lack of communication on a traffic project that was designed to improve the safety and flow of traffic.The Central Park Road and Riverland Drive Intersection Improvements Project was made to improve the safety and traffic flow of Riverland Drive and Central Park Road for all modes of transportation while minimizing impacts on adjacent property and grand trees. The project officially began in 2018 and is still in the works.More than 11,000 ve...
CHARLESTON, S.C. (WCSC) - One concerned resident living on James Island says there is a lack of communication on a traffic project that was designed to improve the safety and flow of traffic.
The Central Park Road and Riverland Drive Intersection Improvements Project was made to improve the safety and traffic flow of Riverland Drive and Central Park Road for all modes of transportation while minimizing impacts on adjacent property and grand trees. The project officially began in 2018 and is still in the works.
More than 11,000 vehicles a day commute on Riverland Drive, according to the Charleston County Transportation Department, and the lack of turn lanes and significant delays have prompted a plan to relieve traffic congestion at the intersection of Riverland Drive and Central Park Road.
The need for more crosswalks, signs and designated areas, frequent accidents, narrow lanes and delays for school traffic are just a few reasons officials say the project is needed. The funding for the project comes from the second half-cent sales tax.
Eric Lundcrum lives on Terrabrook Lane on James Island and says the road hasn’t been upgraded and the growth continues to climb in the area.
Charleston County spokesperson Kelsey Barlow says the county intends to install crosswalks and a flashing light at the Central Park and Riverland intersection. The project will also add a right-turn lane with refuge on Central Park and a sidewalk along Riverland Drive that will extend to the future Woodland Shores sidewalk to the Riverland Drive multi-use path.
“We should have some consideration on completing some of these projects that are way overdue,” Lundcrum says. “The Charleston County Council is always 20 years behind upgrading infrastructure to satisfy the growth. The other solution was just to put a traffic light there, but they didn’t even do that. Year after year of more growth and year after year no solution to the very busy intersection.”
We reached out to officials from Charleston County who told us the South Carolina Department of Transportation has approved the right-of-way plans, and they are currently in the right-of-way acquisition process. They are scheduled to advertise construction in the third quarter of this year. Currently, officials say the project team has made contact with impacted property owners and working with them for the right-of-way acquisition process.
If you know a road that’s driving you crazy, you can submit your concern here.
Copyright 2024 WCSC. All rights reserved.
Visit May Forest, a new 23-acre state park on James Island
Updated with visitor information on Friday, Oct. 13Something green is coming to Charleston, and we’re not talking about St. Patrick’s Day. A new state park is in the works at the tip of James Island. We spoke with SC State Parks Director Paul McCormack for the latest on the project.The waterfront park will be located on 23 acres at the end of Fort Johnson Road, adjacent to the Fort Johnson historic site. The parcel is managed by the SC Dept. of Parks, Recreation & Tourism.In 2021, the state ...
Updated with visitor information on Friday, Oct. 13
Something green is coming to Charleston, and we’re not talking about St. Patrick’s Day. A new state park is in the works at the tip of James Island. We spoke with SC State Parks Director Paul McCormack for the latest on the project.
The waterfront park will be located on 23 acres at the end of Fort Johnson Road, adjacent to the Fort Johnson historic site. The parcel is managed by the SC Dept. of Parks, Recreation & Tourism.
In 2021, the state purchased the land from the Sisters of Charity of Our Lady of Mercy for $23 million. The May Forest Convent located on-site is expected to be converted into an event venue that will be the main component of the new park. Funding has not yet been secured for the venue construction project.
Charlestonians can look forward to a day-use recreation and picnicking area with views of the Charleston Harbor, the Ravenel Bridge, and Fort Sumter. There is an existing gazebo and bench swing. Conceptual images are not yet available, but stay tuned.
An event space, lodging, and a dock may be added in the future. A structural assessment of the property is expected to determine park features down the road. What would you like to see this new park offer? Let us know.
In addition, there is a master plan that envisions the entire ~100-acre Fort Johnson area that is separate from the state park project.
The park is expected to open this spring or summer. There is currently no timeline for potential future amenities, but keep an eye on the newsletter for updates. The plans for Fort Johnson, which surrounds the state park area, are long-term.
May Forest launched its soft opening phase. The new state park on the northeast waterfront of James Island offers views of the Charleston Harbor, Ravenel Bridge, and Fort Sumter, plus woodland and fields abutting the shore.
The park is far from finished — but you can stroll for yourself now.
The South Carolina Department of Natural Resources bought the 23-acre park land from the Sisters of Charity of Our Lady of Mercy for $23.25 million in 2021.
May Forest State Park and the ~100-acre Fort Johnson area make up a long-term development plan including updated trail access, greenspace, historical interpretation, and research campuses.
The park is located at 424 Fort Johnson Rd. Since it occupies one tip of James Island, navigating is easy: just follow the road to its end and follow the signage for visitor parking.
During the soft opening phase, the park is open from 8 a.m.-5 p.m. on weekdays, grounds only.
May Forest is currently hiring a park ranger. Once they do, you’ll be able to visit on weekends, too.
Currently, May Forest offers walking trails and four picnic tables to unwind by the water. Pets are welcome in most areas, but you’ll need to keep them leashed.
As the park grows, look forward to an event space at the old May Forest Convent, overnight accommodations, and dining options.
SC High School League denies appeals by James Island, Burke
David Shelton Special to The Post and Courierhttps://www.postandcourier.com/sports/highschool/south-carolina-high-school-league-appeals-james-island/article_39c25b60-b499-11ee-85f2-5f01f8b07c61.html
The first challenges to the S.C. High School League’s reclassification of its member schools began on Tuesday, as 12 schools appealed their placement in the league’s realignment for the 2024-26 school years.Ten more schools will make their appeals on Wednesday.School officials made their cases to the league’s executive committee, and can take their appeals to the league’s appellate panel later this week. A total of 22 schools statewide are lodging appeals with the executive committee.Most of the a...
The first challenges to the S.C. High School League’s reclassification of its member schools began on Tuesday, as 12 schools appealed their placement in the league’s realignment for the 2024-26 school years.
Ten more schools will make their appeals on Wednesday.
School officials made their cases to the league’s executive committee, and can take their appeals to the league’s appellate panel later this week. A total of 22 schools statewide are lodging appeals with the executive committee.
Most of the appeals center around the SCHSL’s decision to use a multiplier to determine student enrollments for its purposes, with students attending a school from outside of its assigned attendance zone counting three times. The multiplier was installed in an effort to address competitive-balance issues, with private and charter schools dominating state championships in lower classifications in recent years.
Three Charleston-area schools made their appeals on Tuesday.
James Island Charter, moved to Class AAAAA in reclassification, had its request to remain in AAAA denied. Burke, moved up to Class AA, had its appeal to remain in Class A denied.
Charleston Math & Science, moved up to Class AAA from Class A, won its appeal to remain in Class A for the next two years.
Bishop England, bumped up from Class AA to AAAA, will have its appeal to move to Class AAA heard on Wednesday.
Columbia’s Gray Collegiate Academy, a sports-oriented charter school and a center of much of the competitive-balance debate, was bumped up two classifications, from AA to AAAA, by the league’s multiplier. The school requested to play in Class AAA, but was denied by a vote of 12-3.
James Island officials made their case to remain AAAA by saying the school was willing to remain in Region 7-AAAA, which includes Colleton County and Beaufort-area schools. The school said it was willing to accept a considerable increase in travel expenses over what it would incur in a local AAAAA region.
Members of the committee noted that James Island’s attendance numbers, which total 1,968 including the multiplier, would place the school in Class AAAAA even without the multiplier, but only because the league has increased the number of AAAAA schools to 56.
After discussion, the committee voted 14-1 to deny the request to remain in AAAA.
Charleston Math & Science, which is currently in Class A, was reclassified to AAA by the league. The school, which is not competitive for state titles in most programs, hinted that a move to AAA could result in the school closing all of its athletics programs. School officials said the athletic department operates at a deficit as a Class A school.
According to the multiplier numbers, CMS would be the smallest school in AAA with 672 students, and would have almost 400 actual students fewer than two schools, Dillon and Newberry, just ahead of them in the AAA list.
The committee decided by a vote of 12-3 to allow CMS to remain in Class A for the next two years.
Burke appealed a move from Class A to AA based on a decline in competitiveness, even though its attendance numbers are solidly in Class AA even without the multiplier. Enrollment numbers, however, are in a steady decline; Burke’s multiplier attendance number is 469.
The committee voted 14-1 to put Burke in Class AA. Burke could be reassigned to Class A in the next reclassification in 2026.
In other appeals on Tuesday, Abbeville High was denied (by 9-5) an appeal to be assigned to Class A. Abbeville is currently listed as the smallest AA school in the state (379 students with the multiplier), while three schools in Class A have larger attendance numbers. Abbeville will appeal the decision to the appellate panel.
Seneca High’s appeal to remain in Class AAA was denied (14-1), and the school will be assigned to AAAA.
Fox Creek won its appeal (by 11-3) to move to Class AAA. Fox Creek was originally bumped from Class AA to Class AAAA in the realignment.
Southside Christian, a private school in Simponsville, was denied (by 9-5) its appeal to move from Class AAA to AA. Southside Christian was moved from Class A to AAA in the recent reclassification with a multiplier attendance number of 676.
Brashier Middle College, a charter school in the upstate, was assigned to Class AAA, a move up from Class A. The school appealed to be classified to Class AA and the committee granted that request by a vote of 12-4.
High Point Academy, a Class A school in Spartanburg, was moved to Class AAA after use of the multiplier. The school appealed to stay in Class A, but was denied. However, the committee did vote to place the school into Class AA.
Horse Creek Academy of North Augusta, moving into the SCHSL for the first time, was classified to AAA. However, the school offers only 10 varsity sports and one junior varsity program, and does not field a football program. The committee voted to put the school in Class A.
St. Joseph’s Catholic School of Greenville, currently in Class A, was reclassified to Class AAA and requested to be placed in Class AA. The committee denied the request by 12-2.
Proposed James Island preschool sparks drainage worry for neighboring homeowners
JAMES ISLAND, S.C. (WCSC) - The site of a proposed preschool on James Island is causing some neighbors to worry about what their yards will look like during a storm or what the traffic will look like during rush hour.The city of Charleston’s Design Review Board approved the basics, like what kind of building materials and plants the developer wants to use, for example, at the proposed Goddard Preschool located at 1137 Folly Rd., ...
JAMES ISLAND, S.C. (WCSC) - The site of a proposed preschool on James Island is causing some neighbors to worry about what their yards will look like during a storm or what the traffic will look like during rush hour.
The city of Charleston’s Design Review Board approved the basics, like what kind of building materials and plants the developer wants to use, for example, at the proposed Goddard Preschool located at 1137 Folly Rd., at Tuesday night’s meeting.
However, neighbor Matthew Pertuset says he’s more worried about what the city will review later on.
“How is that going to affect the, not just the people that back up, but the entire neighborhood?” Pertuset said.
The proposed preschool sits directly behind Pertuset’s home in the Queenborough neighborhood. He says he’s worried about the design of this building’s drainage because of how it already acts during storms.
“We’re already holding water,” Pertuset said. “So, for that to come up even more, I’m not sure. So, it’s a huge concern.”
But Robert Summerfield, the director of planning, preservation and sustainability for the city of Charleston, said because they have some of the most comprehensive stormwater regulations in the region, no project could make the problem worse but could only improve it.
“They’re working very hard to make sure that they are utilizing the existing wetlands on site and enhancing that as a stormwater catchment area,” Summerfield said.
But that’s not the only concern.
“If it is going to be a pickup, you know, we’re right here on Folly Road, how does that look during rush hour traffic in the mornings and the afternoons?” Pertuset said. “Is it going to get pushed into our neighborhood for us to deal with or is it just going to come to a stop on Folly Road?”
Summerfield said the city has already thought about it.
“We have created a drop-off low space so that cars, as they come in and drop their children off or pick them up, will actually flow through the site so that there’s a queueing situation that will occur so that people aren’t ideally not queueing out on Folly,” Summerfield said.
Neither the Goddard School nor the applicant, AAG Architects for Vista 26, LLC, have responded to requests for comment.
However, Pertuset said no matter what comes on this property, he just wants the city to be thorough with their plans.
“It is something that the community needs,” Pertuset said. “I think James Island could afford to have another preschool.”
Summerfield said the city will discuss more drainage specifics once the developer submits the next step to the Technical Review Committee. They will have to pass all initial designs before that is done and there’s currently no timeline of when that might take place.
Copyright 2024 WCSC. All rights reserved.
Magical spot on the Stono: Land conservancy buys $1.5M James Island site for county park
About 24 acres of undeveloped land along the Stono River on James Island will be protected thanks to a partnership between the Open Space Institute and the Charleston County Park and Recreation Commission.OSI purchased the property, located at the end of Bradham Road, for $1.5 million using a mixture of local, state and federal funds. The deal was set to close Dec. 20.A limited-liability corporation agreed to sell the tract to OSI for well below market value. The property — appraised north of $4 million — likely wou...
About 24 acres of undeveloped land along the Stono River on James Island will be protected thanks to a partnership between the Open Space Institute and the Charleston County Park and Recreation Commission.
OSI purchased the property, located at the end of Bradham Road, for $1.5 million using a mixture of local, state and federal funds. The deal was set to close Dec. 20.
A limited-liability corporation agreed to sell the tract to OSI for well below market value. The property — appraised north of $4 million — likely would’ve been used to build single-family homes, OSI Senior Land Project Manager Patrick Moore said.
The tract, long and skinny like a piano key, is one of many that make up western James Island. Much of this side of the island remains relatively intact, especially along the waterfront.
“When the little (tracts) like this come up, they’re important because there is a bigger picture for them to plug into,” Moore said. “They’re not just one-offs.”
A pond that’s home to redfish and blue crabs stretches almost the entire length of the 24 acres. A path roughly carved through the center provides ample space for trails, and easy public access to the Stono River. The end of the piano key provides stunning marsh views.
And anyone visiting the nearby James Island County Park will be able to quickly access the new park via a sidewalk along Riverland Drive to Bradham Road.
The Terrabrook neighborhood sits between the two parks. Residents have been supportive of the project, Moore said. So have people in the Cross Cut, a historic settlement community around Central Park and Fleming roads.
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.