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Senior Medicare Advantage plan insurance in James Island, SC

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.

Helping Seniors Make Better-Informed Medicare Decisions
What is Medicare?
The amount of money you pay for your health care depends on several factors, including
Senior Medicare Supplement Plan Insurance in James Island
Important Information About Senior Supplement Plan Insurance
Senior Medicare Advantage Plan Insurance in James Island, SC
How Medicare Advantage Plans Work
Medicare Advantage Plan Insurance Rules
Paying for Your Senior Medicare Advantage Plan Insurance
The Senior Medicare Insurance Services Commitment

Senior Medicare Advantage Plan Insurance James Island, SC

Guiding You Through The Confusion of Medicare!

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What is Medicare?

If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.

Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.

There are four parts of Medicare:

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 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:

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 James Island 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 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:

Preferred Provider Organizations
Special Needs Plans
Private Fee-for-Service
Medicare Medical Savings Account Plans
Health Maintenance Organizations

Senior Health Insurance James Island, SC

In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.

How Medicare Advantage Plans Work

Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).

Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.

When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.

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.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 82 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Application for recreational development on James Island met with mixed reviews

JAMES ISLAND, S.C. (WCSC) - The City of Charleston is looking at the application of a potential new development off Folly Road that would include a mini golf course and a new retail center.In addition to the mini golf course, this potential new mixed-use development would include a food court, a coffee shop, a wellness facility and a bar. There are also plans for over 120 parking spaces to accommodate patrons, according to the developer.If approved, the development, which has been named the “Community Corner,” would...

JAMES ISLAND, S.C. (WCSC) - The City of Charleston is looking at the application of a potential new development off Folly Road that would include a mini golf course and a new retail center.

In addition to the mini golf course, this potential new mixed-use development would include a food court, a coffee shop, a wellness facility and a bar. There are also plans for over 120 parking spaces to accommodate patrons, according to the developer.

If approved, the development, which has been named the “Community Corner,” would take up 2.9 acres of land on Grimball Road Extension.

This project is still very early in the approval process and would require several other steps and approvals from the City to move forward.

Though nothing is finalized, this potential project has garnered quite a bit of attention on social media with residents sharing mixed feelings. Some shared concerns about an increase of traffic and the construction harming wetlands, while others say they are excited about the idea and feel the area needs more recreational activities.

Chad Biel is the owner of Bohemian Bull, a restaurant that is just half a mile from the location of the tentative development. Biel shared his thoughts on the proposed “Community Corner” project.

“I would say I see two sides of this,” he says. “It’s inevitable that the city’s going to grow. I think that there needs to be some better city planning. We have a lot of flooding on this street and a ton of traffic on this street. So, I would ask that, you know, that gets thought of when they’re doing these plans, but then, as a resident that’s kind of the piece of the pie, right? I have kids. So, they’re going to enjoy the mini golf but then we also will deal with all the traffic that comes along with that as more and more people come down this way in a relatively small highway that runs through here.”

Biel says he likes the idea of more activity options coming to the area and believes it could help foot traffic for his business, but he calls on city officials to consider some of the flooding issues and road traffic in the area. If that is addressed, he says he welcomes the idea.

“As a business owner, I think it’ll be a positive impact. I mean, every single time that we see other businesses opening up in the area, we always see a positive impact from it and we’ve had sales growth year over year, and that’s because the area is continuing to grow, we are continuing to get more people that move to James Island, we are getting more businesses on James Island,” he says.

The developer of this tentative project says that they plan to create a world class space that does not exist anywhere in Charleston.

While there is no form for public comment on this project, the city’s Technical Review Committee Administrator, Eric Schultz, welcomes questions about any of the items up for discussion by the committee. Schultz can be reached at 843-724-3790 or schultze@charleston-sc.gov.

The committee will meet Thursday at 9 a.m. to discuss this application.

This item is scheduled in the agenda to be heard at 11:30 a.m.

Click here for the Zoom link to join the meeting.

To call into the meeting, dial 1-312-626-6799, then type in Webinar ID# 832-2640-6779, followed by the password, 721363.

Guests are encouraged to join the meeting 20 minutes before the agenda item is scheduled to be discussed. The “Community Corner” is up for discussion at 11:30 a.m.

Work contract awarded in long-awaited James Island pedestrian project

Updated: Jan. 9, 2025 at 5:07 PM PSTJAMES ISLAND, S.C. (WCSC) - After a budget setback in 2024 delayed the project, the Charleton County Finance Committee is expected to award a contract for work to build sidewalks and a crosswalk at Woodland Shores Road and Maybank Highway on James Island.People living in the area say they have been petitioning leaders for pedestrian improvements for years. Adam Friend founded a neighborhood association that focuses on improvement projects and recently, the group celebrated adding speed humps ...

Updated: Jan. 9, 2025 at 5:07 PM PST

JAMES ISLAND, S.C. (WCSC) - After a budget setback in 2024 delayed the project, the Charleton County Finance Committee is expected to award a contract for work to build sidewalks and a crosswalk at Woodland Shores Road and Maybank Highway on James Island.

People living in the area say they have been petitioning leaders for pedestrian improvements for years. Adam Friend founded a neighborhood association that focuses on improvement projects and recently, the group celebrated adding speed humps to Woodland Shores Road.

The ‘Complete Streets’ project plans to put that 8-foot sidewalk along Woodland Shores Drive, onto Maybank Highway to Stefan Drive, and add a midblock crossing of Maybank near Stefan Drive at Terrace Plaza. The work will include a median, pavement marking and drainage as well.

“For it to be 2025 and we’re finally seeing that a bid is being endorsed and going to be signed off on tonight with Gulf Stream is surreal, I guess would be the best word. I’m excited yes, but I’m going to hold out until I see they’re actually breaking ground before I believe this is really happening, but it looks certainly to be coming to fruition which should really help the safety of a lot of us who live on Woodland Shores Road,” Friend says.

County Council is expected to award a more than $3.6 million contract with Gulf Stream construction. Woodland Shores Road catapulted into the public eye after a 2023 hit and run that left Jen Drummond seriously injured. Her neighbors renewed a push for sidewalks, something they say they had wanted for some time. Their efforts have also achieved adding speed bumps since the incident.

“We’d hoped we could have avoided something tragic prior to having this come to fruition, but we fought really hard as a neighborhood. I started this Woodland Shores commission and I think it’s been a really strong grassroots mission, of people just refusing to take no,” Friend says.

Funding is both federal and local for the multi-million dollar project. There is not a set construction start date, but the work is expected to have at least a nine-month timeline once shovels are in the ground. Friend says it’s not perfect since it’s only one side of the road, and the opposite side of their mailboxes for some, but he thanks the local and state leaders who worked on achieving it.

“People have become very ‘Doubting Thomases’ I guess and don’t think it’s really going to happen, so I think we will all be really happy when we see the work in progress,” Friend says.

12 Hottest New Restaurants in Charleston, December 2024

More often than not, tipsters, readers, friends, and family of Eater have one question: Where should I eat right now? What are the new restaurants? What's everyone talking about? While the Eater 18 is a crucial resource covering old standbys and neighborhood essentials across the city, it is not a chronicle of the "it" places of the moment. Enter the Eater Heatmap, which will change continually to highlight the spots crowds...

New to the list:

December: Blanca EstradaNovember 2024: Legami, Chef Loong Dim SumOctober 2024: Linnette’s September 2024: the Archer August 2024: the SelectJuly 2024: Marbled & Fin, MakanJune 2024: Downtown Co-OpMay 2024: Sissy Bar, CoterieApril 2024: Da Toscano Fugazzi, XO Brasserie March 2024: Bodega Mount PleasantFebruary 2024: Cleats, Lowland Dining Room, Palmira BarbecueJanuary 2024: the Harlow, Da Toscano Porchetta ShopDecember 2023: the Quinte, Lowland Tavern, Lost Isle, Costa, BearcatNovember 2023: King BBQOctober 2023: Honeysuckle Rose

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Eater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.

The team from downtown bar Dalila’s opened a fun new spot in Park Circle. Sissy Bar takes inspiration from Southern California, from mezcal drinks to breakfast burritos to a massive barbacoa taco platter. Bring friends to sample all the sharable plates.

Slow-cooked brisket and whole hog meet Puerto Rican flavors at Palmira Barbecue. Pitmaster Hector Garate has been popping up around the Lowcountry for several years, but now he has a permanent address in West Ashley.

The crew from hip breakfast spot Daps opened a sports bar with better food and drinks found at typical sports bars. Find pit beef sandwiches, Thai-flavored hot dogs, green hatch chili wings, and waffle fries.

Herman Ng grew up working in his family’s Chinese restaurant, and now he owns his own with the opening of XO Brasserie. The menu focuses on Cantonese and Sichuan cooking, including XO lobster, mapo tofu, and garlic pepper beef. Don’t miss the fun cocktails or the desserts.

The couple behind Wagener Terrace hangout Berkeley’s recently opened their second restaurant, the Archer. They want it to have the same neighborhood vibes but raise the stakes with a full bar and fine dining-level comfort plates. Chef Paul Farmer (formerly of Three Sirens), puts out plates like duck frites, baked oysters, beef stroganoff, chicken liver mousse, and chilled crab dip.

Legami is a new Italian restaurant boasting a chef brought in from Rome by a family with roots in Turin, Italy. Washington Street Hospitality, which controls three Pasta Beach restaurants in New England, thought the King Street building would be another location for Pasta Beach, but decided to switch it up once they got into the historic building. Chef Andrea Congiusta cooks modern Italian fare with some influences from France. “We took inspiration from the classic fine dining, but we also want to have something fun, something that looks very fancy, and something you can crave,” says Congiusta. Dishes include king crab tagliolini, beef Wellington, and veal Milanese.

Modern steakhouse Marbled & Fin is giving all the other steakhouses a run for their money. The expansive dining room fills nightly with well-heeled customers ready to see and be seen. On the menu, chef Eucepe “Cepe” Puntriano includes all the steakhouse classics plus an emphasis on seafood dishes for non-meat eaters. Look for seafood towers, wedge salads, wagyu beef, bone marrow with oysters, creamed spinach, and more.

D.C.-based Malaysian restaurant Makan now has a second location in the Lowcountry. Chef James Wozniuk wanted the South Carolina location to feature local seafood. The ikan asam pedas, a Malaysian hot and sour fish curry, is a must-try if you like spice. There’s also rendand daging (dry beef curry), curry mee (noodle soup with chicken sausage), and kerabu mangga (mango salad).

Charleston is going crazy for soup dumplings, and newcomer Chef Loong Dim Sum delivers. The restaurant offers four flavors (pork soup, chicken soup, pork tomato soup, and truffle pork soup). The rest of the menu is quite extensive as well, with selections ranging from Sichuan mala chicken, crab rangoon, dan dan noodles, mapo tofu, and more.

The team behind Italian favorite Le Farfalle has an enticing new cafe in Charleston. The focus of Da Toscano Porchetta Shop is the housemade focaccia and everything that can be sandwiched between the airy bread. Chef Michael Toscano serves a filling chorizo and egg sandwich in the morning and a sumptuous porchetta sandwich in the afternoon. There’s also choices like prime rib, roast chicken, marinated eggplant, and so much more.

Chef Micheal Toscano recently opened a taco shop next to his Italian restaurant Le Farfalle. Blanca Estrada is Toscano’s ode to his Mexican mother and grandmother, whose cooking was an early influence on his culinary journey. The kitchen offers a selection of tacos, from cochinita pibil to lengua, several specials, like a lamb neck burrito, and several tequila drinks and pineapple vinegar soda.

Charming new hotel the Dunlin offers sweeping views of the Kiawah River, abundant hospitality, and coastal Southern fare in its signature restaurant, Linnette’s. Chef Michael DeCicco puts out dishes like a pressed and pickled watermelon salad, wood-fired oysters, cornmeal-crusted flounder, and a sorghum-benne lacquered steak with charred okra.

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