Senior Medicare Advantage plan insurance in Johns Island, SC
Ask us Anything843-991-2695
Free Consultation Request
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 Johns 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 Johns 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 Johns 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 Johns 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 Johns Island, SC
Johns Island residents weigh in on new Maybank Village development
A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.JOHNS ISLAND, S.C. (WCSC) - A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.As you hit Timberline Drive and Maybank Highway, it takes you directly into the new neighborhood, Maybank Village. The new development is hard to miss as it sits at the front of the community.The groundwork for a new Spinx gas station has just begun. The project has been in the works since ...
A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.
JOHNS ISLAND, S.C. (WCSC) - A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.
As you hit Timberline Drive and Maybank Highway, it takes you directly into the new neighborhood, Maybank Village. The new development is hard to miss as it sits at the front of the community.
The groundwork for a new Spinx gas station has just begun. The project has been in the works since 2021, and members of the neighborhood say they’re not happy with the development. There is only one way into the upcoming gas station, and it requires drivers to enter the neighborhood first, then turn right to get into the station.
Residents say they don’t understand why Maybank Highway needs another gas station with several stretching across the highway already.
“Why? We don’t need a gas station here. If you go a mile down Maybank that way, there’s two gas stations. If you go down Maybank that way two miles, there’s two more gas stations. So why do you need a gas station here in the middle of Maybank that’s going to cause horrendous traffic jams,” Treasurer for the Homeowners Association Bill Antonucci said.
There are serious concerns about the bright lights and noise that might come along with the Spinx Station as well.
“This gas station is coming so close to our residential properties. These people in this house right here are going to have gas pumps and gas tanks right in their backyard. The people that are building this site, people in the city council, and the people in the zoning departments don’t seem to care. We’ve had people write to them and nobody seems to care. Nobody is responding,” Antonucci said.
Despite the frustration from members of the community, the City of Charleston is allowed to do this based on zoning regulations.
“The business in question is being built under the site’s base zoning, which is a property right protected by state law,” a city spokesperson said in a statement. “That’s why the city strongly supports a comprehensive, all-of-the-above traffic-relief strategy for Johns Island, including the widening of Maybank Highway, the construction of both the northern and southern pitchforks and the completion of I-526. The city will continue to work closely with our state and county partners until Johns Island residents see real traffic relief as a result of these and other critical roadroads projects.”
Copyright 2023 WCSC. All rights reserved.
Charleston County leaders review plans for golf course on Johns Island
The first steps are underway toward a proposed golf course as Charleston County leaders considered it at a meeting Monday.CHARLESTON, S.C. (WCSC) - The first steps are underway toward a proposed golf course as Charleston County leaders considered it at a meeting Monday.The new course would be built between Bohicket and River Roads and Charleston County Planning Commission discussed the golf cou...
The first steps are underway toward a proposed golf course as Charleston County leaders considered it at a meeting Monday.
CHARLESTON, S.C. (WCSC) - The first steps are underway toward a proposed golf course as Charleston County leaders considered it at a meeting Monday.
The new course would be built between Bohicket and River Roads and Charleston County Planning Commission discussed the golf course and the accompanying neighborhood.
Dana Beach, the Founder of the Coastal Conservation League, said the development is important because it will set a precedent for the rest of Johns island. He said it’s important to clearly define the edges of Charleston County’s Urban Growth Boundary to avoid increased development on the island in the future.
The Orange Hill Project pushes right up against that boundary, which was set by the county to limit urban sprawl.
The 933-acre project includes a private golf course and 121 homes. While a plan for a golf course and neighborhood was already approved by the County for this area in 2004, the plan developers presented Monday actually reduces the number of homes plotted on the land and changes the location of the golf course and its entry point.
Beach said he’s happy to see the number of homes decreasing; however, he thinks the best thing Orange Hill developers could do for the Island is to place the undeveloped land under a conservation easement, essentially protecting the undeveloped land from further development forever.
“It really signifies a commitment to the future of the island, as a place that is not highly developed,” Beach said.
When asked if they would put a conservation easement on the undeveloped land in the project, developers said it was something they would consider. But they said over 200 acres of the property already have wetland covenants in place that protect the property from being developed.
“It’s difficult to have preservation covenants placed on wetlands, we have to get through the permitting process before that would happen,” Ray Pantlik, with South Street Partners, said.
Copyright 2023 WCSC. All rights reserved.
What Is the Largest Island in South Carolina?
South Carolina has 35 barrier islands (also called sea islands), more than any other state except Florida. Barrier islands run paralle...
South Carolina has 35 barrier islands (also called sea islands), more than any other state except Florida. Barrier islands run parallel to the Atlantic and Gulf Coasts and shield the mainland from the brunt of sea storms. The islands are home to wide sandy beaches, sea grass beds, vegetated uplands, and Lowcountry marshes.
At 84 square miles in area, Johns Island is the largest island in South Carolina. Located in Charleston County, it’s the fourth largest island on the East Coast. Situated between the city of Charleston and the barrier island beaches that border the Atlantic Coast, a portion of the island is located within the city limits of Charleston.
Technically an island, yet not bordered by the open sea, the Stono and Kiawah Rivers are what separates Johns Island from its border islands and the mainland.
What Is the History of Johns Island?
Colonialists arrived on Johns Island from English settlements in the Caribbean and named it after Saint John Parish in Barbados. However, Native American tribes, including the Stono, Bohicket, and Kiawah Indians, were already living on the island.
The settlers brought the crop, indigo, from Barbados and cultivated it in the Lowcountry of Johns Island. By the mid-1700s, indigo became the main export for the island. A popular bright blue dye, indigo grown on Johns Island was commonly sold to England. During the height of indigo production, the Stono Rebellion occurred. The settlers relied on slaves to grow and produce their crops. In 1739, a group of slaves on Johns Island rebelled and attempted to escape to Florida, which was under the rule of the Spanish at the time.
However, the uprising was unsuccessful and plantation owners captured the slaves before they could reach freedom. During the Revolutionary War, the British market for indigo was disrupted, and England began to turn to India for its indigo supply. By the 1800s, indigo was no longer listed as a crop for Johns Island.
Johns Island has been the site of several important historical events. Occupied by British troops during the Revolutionary War, Johns Island also endured the Battle of Bloody Bridge during the Civil War. Today, visitors can view the historical site marking the Civil War battle at the Burdens Causeway.
Currently, Johns Island has a population of 21,500 and growing. The nearness of downtown Charleston, the beautiful scenery of the Lowcountry, and the nearby sandy beaches of the barrier islands make Johns Island a popular spot for new development.
What Do People Do at Johns Island?
Today, Johns Island is known for local farmers’ markets, historical parks, and towering oak trees dripping with Spanish moss. Although new developments are cropping up on the island, about 75% of the island remains rural with agricultural and horse farms, large acreage estates, and waterfront communities. Just a few miles south is the resort community of Kiawah Island.
One of the main attractions on Johns Island is the Angel Oak, a live oak tree that is thought to be the largest living oak tree east of the Mississippi River. Estimated to be around 400 years old, it’s the oldest tree in South Carolina. The massive tree is 65 feet tall and 25.5 feet around. Further, it provides shade to a staggering 17,000 square foot area. Surrounding the tree is a small park with a visitor’s center and a gift shop.
Another popular activity on the island is shopping at the Freshfields Village, an open-air shopping center with over 30 shops, numerous restaurants, and a boutique hotel.
The Goatery at Kiawah River is a small artisan goat dairy farm specializing in goat cheese and soaps. The farm offers private tours, classes for children, and goat yoga. The farm also doubles as a goat sanctuary, offering many goats a forever home.
Where Is Johns Island on a Map?
Johns Island is in between Charleston and the barrier islands. It’s surrounded by Kiawah, Seabrook, Wadmalaw, Edisto, James, and Folly Islands. The Stono and Kiawah Rivers separate Johns Island from the mainland and the barrier islands.
What Animals Live on Johns Island?
Johns Island is teeming with wildlife. Although there are many homes, shops, and restaurants on the island, much of the land remains undeveloped, providing habitat for numerous species. On the island, it’s common to see deer, raccoons, coyotes, bobcats, otters, wild hogs, and even alligators.
The rivers and marshes on the island are abundant with oysters, trout, black sea bass, bluefish, and bottlenose dolphins. Birds found in the area include many species such as osprey, bald eagles, wild turkeys, and egrets.
Hicks: County and city put Johns Island traffic solution in gear
There’s a new red light on Maybank Highway, and new Charleston County Councilman Joe Boykin hears about it. Every. Single. Day.Because, make no mistake, traffic is the undisputed heavyweight chokepoint of contention on Johns Island.“A lot of folks are upset; they can’t get on and off the island,” Boykin says. “You think it’s bad now — there are 1,300 homes planned or under construction around there. Wait ’til all that drops.”Yep, that’s the thing — the isl...
There’s a new red light on Maybank Highway, and new Charleston County Councilman Joe Boykin hears about it. Every. Single. Day.
Because, make no mistake, traffic is the undisputed heavyweight chokepoint of contention on Johns Island.
“A lot of folks are upset; they can’t get on and off the island,” Boykin says. “You think it’s bad now — there are 1,300 homes planned or under construction around there. Wait ’til all that drops.”
Yep, that’s the thing — the island can’t wait any longer for traffic relief. Residents have been waiting, largely in idling cars, for years now.
Johns Island’s chronic congestion — and dysfunction — has spread over time, and overwhelms James Island and West Ashley with tens of thousands of commuters daily. Sometimes the drive-by traffic shuts down the grid west of the Ashley River.
See: Savannah Highway and Main Road, Interstate 526 and Sam Rittenberg, Maybank and Folly Road, et al.
There are various solutions to this problem planned, but land disputes, jurisdictional spats, environmental concerns, the threat of lawsuits and rising construction costs have slowed many of those projects. It’s a mess.
Of course, politics is behind some of the paralysis. Nobody can agree on anything these days, especially what needs to be done about Johns Island growth … and its infrastructure.
It’s really about an island with an exploding population that has exactly two routes on and off it. You could call that poor planning, but plans for a third route have been in the works for years. But that’s another story.
So here we are.
There is some reason for hope, however. On Thursday, county and city traffic engineers — along with Boykin, County Council Vice Chairwoman Jenny Honeycutt and City Councilman Karl Brady — sat down in Charleston Mayor John Tecklenburg’s office to talk about more collaboration between the two local governments to get various road projects moving.
Which is a good sign, because in the past the two haven’t always seen eye to eye.
At Boykin’s request, County Council recently pledged to work more closely with the city on Johns Island traffic.
And a unanimous vote from a City Council committee last week affirmed its commitment to the same.
Most significantly, City Council gave initial consent to a fourth lane to Maybank Highway between River Road and the bridge to James Island. Right now, much of that stretch is restricted to a single outbound lane that at times is ridiculously overwhelmed.
The City Council resolution is notable because, years ago, Charleston held up county plans to widen Maybank — largely because officials didn’t want to sacrifice trees for additional lanes.
But in the past two years, the traffic count on Maybank has gone up by 6,000 cars per day, to a new high of more than 35,000. For comparison, about 45,000 cross the Wappoo bridge.
The agreement to widen Maybank Highway is a good start, because it’ll ease the bottleneck that builds up ahead of the bridge to James Island. Boykin says if that can be done without sacrificing any trees, it will be.
That’s a big deal but, frankly, just having the city and county in accord is bigger.
“I believe we have a newfound, unprecedented level of cooperation and commitment to improving the traffic at River and Maybank,” Tecklenburg says. “We’re looking at temporary and long-term ways to get two lanes from River Road to the bridge. We’re going to update the traffic plan, which should take about a month. We’re going to do whatever the Department of Transportation will allow.”
Because, remember, the state technically owns all these roads.
Commute times don’t yet reflect it, but there’s already some movement.
The county’s northern pitchfork is under construction — that new traffic signal at Maybank and Fenwick Hall Allee (the one Boykin is getting calls about) is in place because that’s where the pitchfork will meet the highway.
The problem has been the light’s timing. As any traffic engineer will tell you, when a road is that hopelessly over capacity, it’s difficult to sync it.
The next challenge will be building the southern pitchfork, which Boykin says is key to alleviating congestion on that side of the island. And it’s needed whether or not 526 gets finished.
That’s one thing the county and city, which secured land for the southern leg a few years back, will study in the coming months.
As Boykin and Tecklenburg note, the tines of the pitchfork need to align because yet another traffic light on that stretch of Maybank is simply not an option.
Neither is allowing Johns Island’s congestion to fester any longer.
Get a weekly recap of South Carolina opinion and analysis from The Post and Courier in your inbox on Monday evenings.
Editorial: We dodged a bullet on Seabrook. Make sure it doesn’t happen again.
THE EDITORIAL STAFFhttps://www.postandcourier.com/opinion/editorials/editorial-we-dodged-a-bullet-on-seabrook-make-sure-it-doesnt-happen-again/article_1c525744-4282-11ee-98c5-a71ff022b55a.html
Everyone who cares about southern Johns Island should be pleased that a controversial annexation was pulled from the Seabrook Island Town Council’s agenda last week in the face of mounting opposition over what the annexation would help create — a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages — and the likelihood that it would add more traffic and pollution to the rural side of Charleston County’s urban growth boundary.But those same folks, particularly leaders on Kiawah and Seab...
Everyone who cares about southern Johns Island should be pleased that a controversial annexation was pulled from the Seabrook Island Town Council’s agenda last week in the face of mounting opposition over what the annexation would help create — a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages — and the likelihood that it would add more traffic and pollution to the rural side of Charleston County’s urban growth boundary.
But those same folks, particularly leaders on Kiawah and Seabrook islands and Charleston County Council, should not get complacent. Instead, they need to work together on better planning to guide development in and around where those two sea islands meet up with southern Johns Island.
It’s unclear when, or if, the developer’s annexation request might resurface. Even if it doesn’t, there undoubtedly will be other development plans that will expose the tensions between those living on rural Johns Island and those living beyond the gates at Kiawah and Seabrook. This moment offers an important reset, one that should begin with getting all these local governments to recommit to the vision of an urban growth boundary — a line past which suburban development would not be supported through zoning, infrastructure or other local policies.
Such a recommitment wouldn’t bind future councils any more than their respective comprehensive plans do, but it would send a unified message about their mutual commitment to respect the natural beauty and environmental sensitivity of the area.
It’s clear that development pressures at Kiawah’s and Seabrook’s doorstep are increasing. A fresh series of new developments, including a senior living facility and an emergency medical facility, is cropping up. Elected officials, neighborhood leaders and county planners need to come up with a mutually agreed-upon zoning overlay for the area, one that would guide future development to ensure new uses and the size and scale of new buildings are appropriate. Such an overlay also would prevent developers from trying to play one jurisdiction against another to get the permits they seek, a tactic sometimes used in other parts of the tri-county area.
The mutual interests of everyone became clear during this recent annexation controversy, as the mayor of Kiawah Island took the unusual step of sending a letter to Seabrook’s mayor and council urging them to reject the annexation and respect the urban growth boundary, which Mayor John Labriola noted “serves as a guide to direct appropriate urban and suburban development while preserving and cherishing the rural charm of the Sea Islands that we all hold dear.”
Given what we’ve seen this summer, the existing urban growth boundary line may not continue to be enough on its own, and we believe a joint planning effort could help pin down the following: to what extent commercial development in the greater Freshfields area should be allowed to inch its way north on Betsy Kerrison; whether the towns should annex any more of Johns Island; whether any upzoning in the area might be appropriate; and how new building would affect the net traffic and drainage needs around Kiawah and Seabrook. While residents live only on Kiawah or Seabrook or in the unincorporated area, they have a stake in the answers to all those questions. This area deserves a new zoning overlay and conservation goals that offer a shared vision of how the southern part of Johns Island will — and will not — change.
Regional planning needs to take place on a large scale — such as our greater metro area from Seabrook to Awendaw to Summerville and Moncks Corner — but it’s also necessary on a smaller scale, especially in those places such as southern Johns Island where multiple local governmental jurisdictions meet.
Decades ago, the city of Charleston and Charleston County came up with the urban growth boundary across Johns Island and other areas where the suburbs ended to ensure their zoning and other policies worked together to protect rural areas that residents wanted to remain rural. Kiawah and Seabrook were once seen as too distant to bring into the conversation about that line. That’s not the case any more.
Click here for more opinion content from The Post and Courier.