Senior Medicare Advantage plan insurance in Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah Island, SC
Kiawah Island biologists counted roughly 145 alligators during annual survey
KIAWAH ISLAND, S.C. (WCBD)- The Kiawah Island Community Association (KICA) teamed up with biologists to conduct their annual alligator count last week.Town biologists reported counting 146 alligators on July 18 and 143 alligators on July 19 across the island.“We’ve been doing these surveys every year since 2003,” Kiawah Island wildlife biologist Jim Jordan said. “And we’ve seen some ups and downs like you would expect, but overall the population has remained stable.”The route, which co...
KIAWAH ISLAND, S.C. (WCBD)- The Kiawah Island Community Association (KICA) teamed up with biologists to conduct their annual alligator count last week.
Town biologists reported counting 146 alligators on July 18 and 143 alligators on July 19 across the island.
“We’ve been doing these surveys every year since 2003,” Kiawah Island wildlife biologist Jim Jordan said. “And we’ve seen some ups and downs like you would expect, but overall the population has remained stable.”
The route, which covers 48 ponds and approximately 153 acres of water, is surveyed twice in order to ensure the most accurate count possible.
“We actually, we reverse it the second night, so we start at the endpoint just to try to take out some potential variability,” Jordan said.
Biologists use the count to determine the estimated density of alligators on the island, which is reported as the number of reptiles per 100 acres of water. It also is used to help determine the population size on the island, which the town estimates is between 600 and 700 alligators.
“The best use of the data is to look at trends over time and you know, again, particularly with density, but also with kind of a breakdown of size classes,” Jordan said. “So we tend to kind of look at it over a long period of time, looking for any significant upward or downward trends.”
Data shows that alligator density on Kiawah Island has remained relatively stable over the past two decades despite some fluctuations in the count. In 2003, density was reported as 134, while this year it was reported as 249.
A number of factors can contribute to the slight fluctuation, according to Jordan, including how active the alligators are at night and whether or not they are visible in a given location.
“Alligator populations typically do, you know, remain stable once they get to what we call carrying capacity,” Jordan explained. “So when there are as many alligators out there as the habitat can support, the numbers tend to remain pretty stable.”
As the team moves along the route, they also keep track of the relative size of each alligator that is counted. If an exact size cannot be determined, the animals are categorized as “unknowns” either under or over six feet in length.
“As a rule, probably 70 to 75% of the alligators that we see on the survey and are able to put into a size class are under six feet,” Jordan explained. “So most of these alligators are very small juveniles and a lot of them probably won’t make it to adulthood and that’s pretty typical for an alligator population.”
Determining the relative size of the alligators is also useful in helping biologists to track shifts in population size and density on the island, according to Jordan.
“Typically, when we see a little bit of a spike in numbers, it probably has to do with just a year where reproduction was really good and so we’ve got a lot of smaller alligators out there,” he said.
As for large alligators, which are generally considered over eight feet in length, only five were counted during the two-day survey period.
But, whether large or small, there are a few key points people should keep in mind if they encounter an alligator while living or vacationing on the island.
The town encourages people to stay at least 60 feet away from alligators whenever possible, do not swim in a body of water other than the ocean, and keep pets away from water.
“Alligators are, you know, they’re a large predator and they need to be treated with respect,” Jordan said.
Two Carolina beaches make list of 2023 Top 10 in the country
One of South Carolina's favorite spots along the coast has been ranked among the top 10 beaches in the country.Kiawah Island's Beachwalker Park in Charleston County is listed as No. 8 on the 2023 list of best U.S. beaches released this week by “Dr. Beach,” aka coastal scientist Stephen Leatherman.(Above video is the Friday morning headlines.)The pristine beach is on the west end of Kiawah...
One of South Carolina's favorite spots along the coast has been ranked among the top 10 beaches in the country.
Kiawah Island's Beachwalker Park in Charleston County is listed as No. 8 on the 2023 list of best U.S. beaches released this week by “Dr. Beach,” aka coastal scientist Stephen Leatherman.
(Above video is the Friday morning headlines.)
The pristine beach is on the west end of Kiawah Island, and gives visitors ocean and river views, according to the Charleston County Parks website.
Charleston County Parks
Beachwalker is also the only public beach access on Kiawah Island, which is a 45-minute drive south of Charleston between Folly and Edisto beaches.
The park is operated through a cooperative agreement among Kiawah Development Partners, Charleston County Council, and the Charleston County Park & Recreation Commission.
North Carolina's Lighthouse Beach, in Buxton on the Outer Banks, came in at No. 5 on the list.
Located along Highway 12, Lighthouse Beach is about a six-hour drive from Myrtle Beach.
National Parks Service
Once the site of the Cape Hatteras Lighthouse, the beach is convenient and renowned for its good shelling and great waves, according to the National Parks Service.
Florida’s St. George Island State Park earned the top slot on the best beach list.
The barrier island park offers nine miles of pristine beaches along the Gulf Coast.
With nature trails for biking and hiking, plus birding, fishing, boating and camping, St. George offers excellent swimming and sunbathing and is also a prime spot for stargazing with limited light pollution, the list says.
Leatherman has been ranking America’s best beaches since 1991.
He uses 50 criteria to evaluate hundreds of public beaches in the United States. The criteria include beach width, sand softness, water temperature and color, wildlife and more.
Half of the top 10 beaches in the United States for 2023 are in Florida and Hawaii.
None of Florida’s Atlantic beaches appear in the 2023 top 10; Leatherman pointed out that the Atlantic coastline is being affected this year by sargassum seaweed.
Top 10 U.S. Beaches for 2023
All Eyes on Kiawah Island Real Estate as Demand for Luxury Properties Surges
Charleston, June 13, 2023 (GLOBE NEWSWIRE) -- Charleston, South Carolina -Selling Kiawah is a leading real estate agent for luxury properties set in the pristine natural beauty of South Carolina.Many dream of living an idyllic life on ocean fronts framed with spectacular landscape views in natural surroundings. Some of the best coastal towns and areas in the U.S. are located in South Carolina, offering a luxurious and sedate lifestyle with plenty of options for recreational activities. Surrounded by pristine natural la...
Charleston, June 13, 2023 (GLOBE NEWSWIRE) -- Charleston, South Carolina -
Selling Kiawah is a leading real estate agent for luxury properties set in the pristine natural beauty of South Carolina.
Many dream of living an idyllic life on ocean fronts framed with spectacular landscape views in natural surroundings. Some of the best coastal towns and areas in the U.S. are located in South Carolina, offering a luxurious and sedate lifestyle with plenty of options for recreational activities. Surrounded by pristine natural landscapes, luxurious island homes on Kiawah Island seem like paradise.
Selling Kiawah is the leading provider of luxury properties in these sought-after coastal destinations of South Carolina. The company has a stunning collection of exclusive Kiawah Island Real Estate offerings nestled along the picturesque shores of the coastline. Homes are available on Kiawah Island, Johns Island, Isle of Palms, Seabrook Island, and Sullivan’s Island—renowned for their unparalleled beauty, world-class facilities, and exceptional quality of life. An added attraction of Lowcountry life is its proximity to the enchanting historical Charleston city and five championship golf courses designed by leading architects.
The agency’s portfolio of extraordinary properties can meet the desires of any discerning buyer. Whether seeking a spacious oceanfront estate, a charming cottage surrounded by lush greenery, an appealing apartment, or a contemporary villa with sweeping views, there is an option to suit every budget, taste, and preference.
The available properties feature impeccable craftsmanship, timeless architectural designs, and the finest amenities to ensure a life of comfort and indulgence. From gourmet kitchens equipped with state-of-the-art appliances to elegant master suites with private balconies, every detail has been meticulously planned to provide the ultimate luxury living.
For more information, visit https://www.sellingkiawah.com/
is the premier provider of luxury properties on the islands of South Carolina’s shoreline, including Kiawah, Johns, Seabrook, Isle of Palms, and Sullivan’s Islands. With a commitment to exceptional quality and service, Selling Kiawah offers an unparalleled collection of oceanfront properties, charming cottages, lovely apartments, and contemporary villas designed to exceed the expectations of even the most discerning buyers. The properties are available for sale in various sizes and budgets to suit the needs and preferences of every client.
Kiawah conference lures top leaders from the wide world of sports, other industries
A low-key conference that brings together high-level global executives from the sports, media, technology and finance industries has returned to the South Carolina coast for its second go-round.The corporate summit, organized by the investment firm Bruin Capital and the Sportico online news outlet, kicked off April 11 on Kiawah Island.More than a dozen commissioners of professional sports leagues and about 40 team owners from around the world are expected to be in attendance, among other movers and shakers. Boris Johnson, Brita...
A low-key conference that brings together high-level global executives from the sports, media, technology and finance industries has returned to the South Carolina coast for its second go-round.
The corporate summit, organized by the investment firm Bruin Capital and the Sportico online news outlet, kicked off April 11 on Kiawah Island.
More than a dozen commissioners of professional sports leagues and about 40 team owners from around the world are expected to be in attendance, among other movers and shakers. Boris Johnson, Britain’s former prime minister, and U.S. Surgeon General Vivek Murthy were set to speak at early sessions.
The only publicly identified participant other than the CEOs of the sponsors was financier Marc Lasry of Avenue Capital Group, who is a co-owner of the NBA’s Milwaukee Bucks.
The conference is described as an off-the record gathering but not entirely. CNBC was granted access to the first event held last May at Kiawah Island Golf Resort and again this week.
A beachfront interview with Lasry that aired on the cable news network Wednesday was devoted not to basketball but the banking crisis.
A separate discussion with summit organizers George Pyne of New York-based Bruin Capital and Jay Penske of Sportico parent Penske Media Corp. touched on the fast-rising values of professional sports franchises, the likely sale of the NFL’s Washington Commanders and the use of artificial intelligence in newsrooms.
In a December profile of Pyne, the Boston Globe described the Kiawah conference as a “super-sized” version of an annual luncheon he put together for 13 years in the private dining room at Le Bernardin in New York City.
The South Carolina summit last spring included “14 commissioners, 30 team owners and about 50 others … . Former President George W. Bush headlined a list of VIP speakers,” according to a copy of the article posted on Bruin Capital’s website.
The moderator of a talk with cryptocurrency experts last year offered a few more details.
“I host panels at conferences all the time, but this event was a little different: the attendees included the biggest power brokers in sports and finance,” wrote Dan Robert, editor-in-chief of Decrypt.
He added that Bruin Capital and Sportico are “aiming for the event to become the Sun Valley or Davos of sports business,” he added, referring, respectively, to a long-running media finance summit held in Idaho and a global economic forum in Switzerland.
They seem to be well on their way.
“NFL Commissioner Roger Goodell, NBA Commissioner Adam Silver, MLB Commissioner Rob Manfred, MLS Commissioner Don Garber, ESPN Chairman Jimmy Pitaro, and more than a dozen team owners were there,” according to Roberts.
Travel + Leisure Readers' 10 Favorite Resorts in South Carolina of 2023
With miles of white-sand coastline, South Carolina is the perfect destination for a beach vacation. It's no surprise, then, that many of our reader's favorite resorts in the state are located near the coast, particularly on the ...
With miles of white-sand coastline, South Carolina is the perfect destination for a beach vacation. It's no surprise, then, that many of our reader's favorite resorts in the state are located near the coast, particularly on the famous stretches of sand at Hilton Head, Kiawah Island, and Myrtle Beach.
How Voting Works
Every year for our World's Best Awards survey, Travel + Leisure asks readers to weigh in on travel experiences around the globe — to share their opinions on the top hotels, resorts, cities, islands, cruise ships, spas, airlines, and more. Nearly 165,000 T+L readers completed the 2023 survey, an increase of nearly 25 percent over pre-pandemic voting levels. A total of more than 685,000 votes were cast across over 8,500 unique properties (hotels, cities, cruise lines, etc.).
Hotels were classified as either resort hotel, city hotel, or safari lodge based on their location and amenities, and they were specifically rated on the criteria below:
For each characteristic, respondents could choose a rating of excellent, above average, average, below average, or poor. The final scores are averages of these responses.
What Readers Loved
T+L readers seem to have their tried-and-true favorites: Of the 10 resorts on this year’s list, eight are repeat picks. At many resorts, including The Sanctuary at Kiawah Island Golf Resort (No. 3), the culinary experiences were deemed particularly superb. “The restaurants at the Sanctuary are amazing," one voter commented. "Jasmine Porch and The Ocean Room are great for celebrating a special anniversary or birthday, and our grandchildren love going to the ice cream shop for a special treat.”
Southern hospitality is another hallmark of these hotels. Of The Willcox, voted No. 2, one reader said, “The entire staff went out of their way to ensure we had the best time.”
But despite readers’ penchant for returning to a handful of South Carolina resorts year after year, a Charleston newcomer claimed the top spot. Find out why — and which other resorts made it onto the list of best South Carolina resorts.
Post House: Mount Pleasant, South Carolina
This seven-room inn in Mount Pleasant’s Old Village was chosen by T+L editors as one of the best new hotels in 2022, and it has quickly amassed a loyal following among readers, too. The original 1896 building has served the neighborhood for years and was fully redone in 2020, with sophisticated touches like William Morris wallpaper and botanical prints. For updated Southern classics — shrimp fritters, swordfish katsu, and, at brunch, a “Full Southern”: a hearty plate of scrambled eggs, grits, collards, bacon, sausage, and toast — guests can head right downstairs to the bar and restaurant. Still, if you do wish to venture out, Post House is close to everything that T+L readers’ favorite American city has to offer. “Everything from the staff to the food is top notch,” said one reader. “I would highly recommend it to anyone visiting Charleston.”
The Full List
1. Post House: Mount Pleasant, South Carolina
Reader Score: 96.00
2. The Willcox: Aiken, South Carolina
Reader Score: 94.59
3. The Sanctuary at Kiawah Island Golf Resort: Kiawah Island, South Carolina
Reader Score: 91.61
4. The Inn & Club at Harbour Town: Hilton Head Island, South Carolina
Reader Score: 91.53
5. Montage Palmetto Bluff: Bluffton, South Carolina
Reader Score: 89.33
6. The Beach Club at Charleston Harbor Resort & Marina: Charleston, South Carolina
Reader Score: 87.00
7. Wild Dunes Resort: Isle of Palms, South Carolina
Reader Score: 84.98
8. Beach House Hilton Head Island: Hilton Head Island, South Carolina
Reader Score: 84.76
9. The Westin Hilton Head Island Resort & Spa: Hilton Head Island, South Carolina
Reader Score: 84.11
10. Omni Hilton Head Oceanfront Resort: Hilton Head Island, South Carolina
Reader Score: 81.63