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Senior Medicare Advantage plan insurance in Kiawah 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 Kiawah 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 Kiawah Island
Important Information About Senior Supplement Plan Insurance
Senior Medicare Advantage Plan Insurance in Kiawah 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 Kiawah 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 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:

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 Kiawah 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 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:

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

Senior Health Insurance Kiawah 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 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.

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.

This SC beach is among 10 best in US, scientist explains. Here’s why

Beachwalker Park on Kiawah Island was once again ranked the best beach in the Carolinas in the latest annual list from geoscientist Stephen “Dr. Beach” Leatherman.“This is a nature-lovers coast so visitors can bring their canoes and kayaks to paddle through the tidal inlets,” according to the 2025 list. “It is also fun to walk or bicycle down the fine-grained sand beach to Captain Sam’s Inlet to see thousands of birds.”...

Beachwalker Park on Kiawah Island was once again ranked the best beach in the Carolinas in the latest annual list from geoscientist Stephen “Dr. Beach” Leatherman.

“This is a nature-lovers coast so visitors can bring their canoes and kayaks to paddle through the tidal inlets,” according to the 2025 list. “It is also fun to walk or bicycle down the fine-grained sand beach to Captain Sam’s Inlet to see thousands of birds.”

Leatherman, the director of the Florida International University Laboratory for Coastal Research has ranked the 10 best beaches in the United States every year since 1991. He assigns beaches numerical scores one through five on more than 50 criteria. Factors include natural criteria, like sand softness, water temperature and rip currents, as well as social criteria like access, amenities and lifeguards.

“The water is not clear, but it is clean and provides fantastic seafood,” Leatherman wrote of Beachwalker Park.

The Kiawah Island beach came in at number six this year, dropping a spot from the 2024 list. Beachwalker Park was only beach in North or South Carolina to make this year or last year’s lists, but Ocracoke Lifeguard Beach in North Carolina won first place in 2022.

This year New York took the top spot, with two entries on the list. Hawaii had the most beaches ranked in 2025, with four in the top 10 list.

10. Coast Guard Beach

Cape Cod, Massachusetts

9. Lanikai Beach

Oahu, Hawaii

8. Kaunaoa

Big Island, Hawaii

7. St. Andrews State Park

Panama City, Florida

6. Beachwalker Park

Kiawah Island, South Carolina

5. Main Beach

East Hampton, New York

4. Delnor-Wiggins Pass State Park

Naples, Florida

3. Poipu Beach

Kauai, Hawaii

2. Wailea Beach

Maui, Hawaii

1. Coopers Beach

Southampton, New York

10 South Carolina Seafood Spots Our Readers Rave About

If you click on links we provide, we may receive compensation.We asked our readers to vote for their favorite spots for fresh catch and local shrimp in the Palmetto State—here are their picks.When in Rome, do as the Romans do. When in South Carolina, find the nearest seafood dive and tuck into a platter of fried sh...

If you click on links we provide, we may receive compensation.

We asked our readers to vote for their favorite spots for fresh catch and local shrimp in the Palmetto State—here are their picks.

When in Rome, do as the Romans do. When in South Carolina, find the nearest seafood dive and tuck into a platter of fried shrimp—preferably one served with an ice-cold beer and an unobstructed view of the water. While you can take to Google or a guidebook to determine where to go for steamed oysters or shrimp and grits in the Lowcountry, we decided to consult the folks who care about good Southern seafood as much as we do: our readers.

When you’ve been around for more than 75 years, you’re bound to be doing something right. At this beloved institution in the fishing village of Murrells Inlet, try not to load up on the hot hush puppies they bring to the table on arrival—though it's awfully tempting. There's still so much more to savor, like the hand-peeled, cold-boiled shrimp pulled from the waters of nearby McClellanville or the thin and crispy onion rings—Lee’s is as famous for those as it is for the seafood.

Order: The Shrimp Salad ($28.95), made with boiled fantail shrimp and Duke's mayo, is another house specialty.

Hudson’s Seafood House on the Docks

It doesn’t get much fresher than this Hilton Head Island mainstay, where 90% of the seafood served comes directly from the surrounding waters. Because of its enviable position on the edge of Port Royal Sound, guests can watch a local fishing fleet (one of only two on the island) unload the day’s loot, which could include anything from white shrimp to soft-shell crab.

Order: From September through April, opt for the steamed local cluster oysters in the shell ($12 for a half bucket); the restaurant farms and harvests them.

Should you find yourself in the Holy City, make the worthwhile dirt-road detour to this family-owned restaurant that’s been a rambling fixture along Folly Creek since 1946. With its graffitied walls and worn-in wood floors, it doesn’t beg for attention, and it doesn’t need to. Deemed an American Classic by the James Beard Foundation in 2006, the Lowcountry seafood joint shovels fresh-steamed oysters onto trays September through the first half of May and dishes fried shrimp and hush puppies year-round. It’s all delicious—and it's made even more so if you snag a seat on the waterside deck.

Order: The shrimp (served boiled or fried) and fried fish platter is served with the seafood-dive-side-dish trifecta: french fries, hush puppies, and coleslaw.

Situated on the main drag of the freewheeling beach town just 12 miles from buttoned-up Charleston, The Crab Shack is as family-friendly and flip-flop casual as its surrounds. Start with the the she-crab soup, but save room: The value seafood baskets—which you can order with flounder, shrimp, or scallops (or a combination of all three)—are generously portioned. Catch them at another location in Charleston as well.

Order: The marquee offering, The Charleston Steamed Seafood Bucket, includes two snow crab clusters, large domestic shrimp, and steamed oysters (market price).

Housed in a reimagined garage on Upper King Street, the Brooks Reitz-helmed restaurant turned 10 in 2024, but it’s been a neighborhood favorite from the start, thanks to a menu of mouthwatering fried chicken, expectedly fresh oysters, and surprisingly craveable salads. Add to the clever mix soft-serve ice cream and buckets of Miller High Life ponies, and you’ve found yourself one of the best meals in this restaurant-proud town.

Order: Even the bivalve-averse crowd may develop a taste for oysters after sampling Leon's char-grilled take, which swim in a melty swirl of lemon and butter and are topped with a generous sprinkle of parmesan. The "old-school" scalloped potatoes are also not to be missed.

Don’t let inevitable line out the door during summertime scare you off. This treasured counter-service spot with just 40 seats is an area favorite thanks to its wide array of offerings, from conch fritters to flounder sandwiches. It’s all made to order and to your liking—fried, grilled, or blackened. Wash it down with a glass of what they declare to be the best sweet tea on the island, and finish with a slice of strawberry Key Lime pie (when it’s seasonally available) or a cup of banana pudding.

Order: Hearty appetites should try the Shack Attack Combo ($17.95 for lunch, $19.95 for dinner), which combines a crab cake, fish, shrimp, scallops, and oysters on a giant paper platter. Homemade tartar sauce is the traditional accompaniment, but we think the brandy-infused gator sauce makes an even better platter slather.

With its lofted ceilings, lacquered-wood booths, and commitment to retro branding, this Sullivan’s Island joint feels like it’s been there forever. In reality, it’s a newcomer—a spring 2022 top-to-bottom overhaul of a restaurant that had called the same spot home for 30 years. And while the nostalgically striped, umbrella-shaded patio is painfully charming, the takeaway window makes a strong case for a to-go lobster roll savored on the beach just a few blocks away.

Order: The shrimp fried rice ($24) puts a fresh coastal twist on a takeout mainstay. We also love the Key lime pie.

The Wreck of the Richard and Charlene

So named for the trawler that was tossed ashore on the same spot during Hurricane Hugo in 1989, this dinner-only, no-reservations establishment on Shem Creek shrugs off formalities in favor of its dynamite views and deliciously simple seafood. The best seat in the house belongs to the wooden dockside bar, where sunset views and local craft beers are just an arm’s length away.

Order: Complete with red rice, coleslaw, a hush puppy, and a fried hominy square, the shrimp platter (from $17.95) is a true taste of the Lowcountry. The deviled crab is also worth a try.

This family-owned lunch spot has been an island institution since it first opened its doors in 1978, and its magic belongs to its simplicity. They're only open for lunch, and you order through a carry-out window—though you don't have to take your food home. Snag one of the picnic tables on the porch for an especially satisfying alfresco dining experience.

Order: Given the restaurant's name, it's obvious you can't go wrong with shrimp here, but the shrimp burger ($9.30), served on a bun with tartar sauce and mayo, is a true crowd favorite.

There’s something for everyone on the extensive menu at this landmark Grand Strand restaurant and seafood market owned by a fisherman father and his culinary school-trained daughter. Choose a South Carolina classic, like the Lowcountry boil, or make the most of the raw bar and order a sushi roll or two. Stretch mealtime into a full-fledged Mr. Fish experience by reserving a ride to and from dinner in the Mr. Fishmobile, a bright blue school bus that hits all the nostalgic high notes.

Order: The seafood tacos ($15) are made with your choice of mahi, tuna, or shrimp and are topped with chipotle-lime sauce.

2 of America's greatest golf courses are in SC: See Golf Digest top 10 in US, SC

GREENVILLEGreenville NewsThe saying "Golf is a good walk spoiled" is often attributed to American writer Mark Twain, but it is actually anonymous.Origins of the quote can be traced back to 1913, according to USA TODAY.Regardless of who coined the term, golfers and non-golfers alike have resonated with its meaning, which sums up the sport perfectly: although being in the great outdoors is meant to be relaxing and enjoyable, trying to score that hole-in-one can make for quite a challenging experience....

GREENVILLE

Greenville News

The saying "Golf is a good walk spoiled" is often attributed to American writer Mark Twain, but it is actually anonymous.

Origins of the quote can be traced back to 1913, according to USA TODAY.

Regardless of who coined the term, golfers and non-golfers alike have resonated with its meaning, which sums up the sport perfectly: although being in the great outdoors is meant to be relaxing and enjoyable, trying to score that hole-in-one can make for quite a challenging experience.

But when you do win the game, playing it proves to be all the more rewarding, and so are the views that South Carolina's coastal courses have to offer.

Golf Digest just dropped its roundup of America's 100 greatest public courses, and two of them are in the Palmetto State. Here's where they are and where they ranked.

No. 30: Kiawah Island Golf Resort - The Ocean Course (previous rank 24)

Golf Digest didn't hold back when describing Kiawah Island's Ocean Course.

"This manufactured linksland-meets-lagoon might well be Pete Dye's most diabolical creation." the magazine said. "Every hole is edged by sawgrass, every green has tricky slopes, every bunker merges into bordering sand dunes."

Even so, the course's numerous challenges are what keep golfers returning for more, with many holes playing along the great Atlantic. One fun fact the publication mentions about the course is how it was designed spur of the moment for the 1991 Ryder Cup when the PGA of America moved the event from California to "the more attractive Eastern time zone television slot." Another fact to know is that Phil Mickerson rose victorious at the course during the 2021 PGA Championship, and so did Rory Mcllroy in 2012.

In Golf Digest's best of the state ranking, the Ocean Course was crowned first place.

No. 40: Congaree Golf Club, Ridgeland (previous rank 42)

Much can be said about Congaree Golf Club, designed strategically by Tom Fazio in 2017. And the magic behind this golf course is all in the sand, which makes it "easy to scoop and slope long ridgelines, creating significant movement across an otherwise level property ? and dozens of stately live oaks."

The course also comes with its own unique set of challenges, like navigating the Melbourne-style bunkers that pose hi-lo recovery situations by dodging shots that roll too far away. Other notes of worth are the course's location just 30 minutes from Beaufort and the Congaree-hosted 2022 CJ Cup.

In Golf Digest's best of the state ranking, Congaree Golf Club ranked No. 2.

Golf Digest's top 10 greatest public courses in SC

Golf Digest's top 10 greatest public courses in America

Nina Tran covers trending topics for The Greenville News. Reach her via email at ntran@gannett.com

Kiawah Island developers look to expand on Johns Island, including residential community and golf course

Katie FongvongsaJOHNS ISLAND, S.C. (WCBD) – Kiawah Island developers are proposing a plan to expand a new community on Johns Island.Orange Hill Tract is about 933 acres of land between Bohicket Road and River Road. Charleston County previously approved development plans there in 2004, but since, it has been sold to South Street Partners. The...

Katie Fongvongsa

JOHNS ISLAND, S.C. (WCBD) – Kiawah Island developers are proposing a plan to expand a new community on Johns Island.

Orange Hill Tract is about 933 acres of land between Bohicket Road and River Road. Charleston County previously approved development plans there in 2004, but since, it has been sold to South Street Partners. They are requesting approval from the County to build a new residential community and 18-hole golf course, part of the Kiawah Island Club. The group and county are also working on a development agreement, which officials said makes this deal more attractive.

“Our community development was able to secure a significant amount of funding for affordable workforce housing for Johns Island, nearly a million dollars. I think there was another $500,000 for Sea Island Habitat for Humanity. Additionally, St. John’s Fire Department is getting half the cost of a fire engine from the developer and our Charleston County EMS is basically getting half the cost of an ambulance covered,” Joe Boykin, county councilmember for District 8, said.

Also, Developers tell News 2, around 60% of their employees live on Johns Island and Wadmalaw Island. They said this gives their employees another opportunity to make their commute closer to home and be present in the community with their contributions.

The revised plan coming from the South Street Partners includes a greater focus on preservation, by keeping over 80% of live oaks on the property, improving stormwater management, and reducing the numbers of homes originally proposed.

“That was done as a result of site analysis that suggested lower density and more modest home sites rather than big home sites and big homes. More modest home sites appropriate for the setting. More aligned with the character of Johns Island in terms of the nature of homes there,” said Mark Permar, Kiawah Island master planner and architect.

Additionally, by reducing the amount of homes, there will also be less impacts from previously planned roads on the property. The group has also decided to put the community’s entrance on the less congested roadway.

“The access point was instead of Bohicket Road, we felt the more after we did an assessment we felt the more appropriate access point would be off of River Road,” Permar said. “Part of that was a reaction to the ever increasing traffic count on Bohicket Road that we’re all familiar with.”

The Kiawah Partners own and manage the Beach Club and Cassique Club, and Permar said they continue to be a community involved group. When asked about possible resident concerns, Boykin added that this is a better option than allowing for an outside developer to come in and sell.

“The developer’s been pretty sensitive to our concerns as Johns Islanders and wanting to keep our sense of place. So, again the concessions they made in reduction to how many units and the rearrangement of how they’re putting in this development I think were sensitive to our concerns,” said Boykin.

County council will host the public hearing on June 10 at county headquarters.

For the latest news, weather, sports, and streaming video, head to WCBD News 2.

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