Senior Medicare Advantage plan insurance in Mount Pleasant, 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 Mount Pleasant or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Mount Pleasant, 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:

 Senior Medicare Advantage Plan Insurance Mount Pleasant, SC

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:

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 Mount Pleasant

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:

 Senior Medicare Plans Mount Pleasant, SC

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 Mount Pleasant 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 Mount Pleasant, 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:

 Medicare Plans Mount Pleasant, 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.

 Senior Health Insurance Mount Pleasant, SC

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 Mount Pleasant. 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
 Healthcare Mount Pleasant, SC

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.

 Burial Insurance Mount Pleasant, SC

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.
 Medicare Advantage Mount Pleasant, SC

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 Mount Pleasant, SC

National taco chain to open second state location in Mount Pleasant

Condado Tacos is bringing its own entry in the taco game to Mount Pleasant.The restaurant group, based in Columbus, Ohio, specializes in what it calls unique tacos, margaritas and tequilas in a “colorful and energetic atmosphere,” will open its second South Carolina location in Mount Pleasant Towne Center. The first opened in Greenville earlier this year.The Mount Pleasant location with have a grand opening celebration on Nov. 4....

Condado Tacos is bringing its own entry in the taco game to Mount Pleasant.

The restaurant group, based in Columbus, Ohio, specializes in what it calls unique tacos, margaritas and tequilas in a “colorful and energetic atmosphere,” will open its second South Carolina location in Mount Pleasant Towne Center. The first opened in Greenville earlier this year.

The Mount Pleasant location with have a grand opening celebration on Nov. 4.

The 4,000-square-foot restaurant will feature 225 seats, including 110 seats in the dining room, 15 at a stand-alone bar, and another 100 seats on a large outdoor patio.

considers their queso to be one of their signature items, along with best-selling specialty tacos that include Lucy’s Fire and Blue Dream, both with “secret shells,” the news release said. In addition to their menu of signature tacos, Condado offers build-your-own taco options, with a variety of taco shells and a choice of proteins including steak, pork, chicken, ground beef, brisket and plant-based options with a number of different toppings and sauces. Condado Tacos also features a full bar with an assortment of 100% blue agave tequilas and specialty margaritas such as the Gran Clasico and Handsome Devil.

“We are thrilled to bring our innovative, craveable, preservative-free tacos and margs to Towne Centre and continue our growth and expansion throughout South Carolina," Chris Artinian, Condado Tacos president and CEO, said in the release. “At Condado Tacos, we offer a full-service dining experience that matches your speed, for either a sit-down dining experience or to-go and delivery. For this level of freshness and quality, Condado provides an amazing value for under $20 per person, which includes an average of two tacos, a dip and a margarita. We are proud of our "come-as-you-are" culture with this unparalleled experience."

Condado Tacos in Towne Centre will be open 11 a.m.-11 p.m. Sunday through Thursday and Friday and Saturday from 11 a.m. to midnight.

During Condado’s grand opening celebration in Towne Centre, the first 100 guests in line on Nov. 4 will be awarded with a “Year of Yum” — one free taco every week for a year. Additionally, Condado Tacos will serve their signature margaritas for $5 all day long, and all guests in attendance will receive a free taco with any purchase. Doors will open at 11 a.m. for the grand opening event following a confetti cannon celebration.

“We are thrilled to welcome Condado Tacos to Mount Pleasant Towne Centre and further our fantastic dining offerings for our customers,” Kathi Herrmann, marketing director of Mount Pleasant Towne Centre, said in a news release. “With its delicious tacos and upbeat ambiance, we know it will be the perfect fit for our community here at Towne Centre.”

Breakfast spot to replace Cabana Burgers in Mount Pleasant

The burgeoning Mount Pleasant region will add another business to its lineup. Big Bad Breakfast, known for its custom-created meats, fresh biscuits and preserves and locally roasted coffee, will be moving into the former Cabana Burgers and Shakes at 2664 N. Highway 17 in Mount Pleasant.Wayne Bumgardner, who accepted the job as chief operating officer of the company early this year, resides in the growing area and anticipates an August opening.Working the way up through the ranksBumgardner touts a long hi...

The burgeoning Mount Pleasant region will add another business to its lineup. Big Bad Breakfast, known for its custom-created meats, fresh biscuits and preserves and locally roasted coffee, will be moving into the former Cabana Burgers and Shakes at 2664 N. Highway 17 in Mount Pleasant.

Wayne Bumgardner, who accepted the job as chief operating officer of the company early this year, resides in the growing area and anticipates an August opening.

Working the way up through the ranks

Bumgardner touts a long history of restaurant work, starting in fast food as a teen, then later working at Ruby Tuesday’s, first as a line cook, then as a regional trainer and later as a general manager.

Bumgardner then moved to Outback Steakhouse, opening an eatery in Blowing Rock, N.C.

“The company became quite successful and I became a joint venture partner in North and South Carolina,” said Bumgardner. After that, Bumgardner joined up with Dallas-based Raising Cane’s, a fast casual, chicken tender restaurant where he became franchise leader. “This too, was very successful and the company bought the franchise back,” said Bumgardner, explaining that industry connections led him to his latest partnership with Big Bad Breakfast.

“Fresh Hospitality based in Birmingham, Alabama approached me with the opportunity to partner with them in a Big Bad Breakfast located in downtown Charleston,” said Bumgardner, whose goal as COO is to grow the brand.

The Big Bad Breakfast brand

According to Bumgardner, the Big Bad Breakfast brand is comprised of 15 restaurants, yet each one is different and represents the local area where they are situated.

“The décor is regionalized and is unique from restaurant to restaurant. You wouldn’t know that we’re a chain by walking into any of them,” he said.

Big Bad Breakfast is the brainchild of James Beard award-winner John Currence, who is reported on the company website as always having a “love affair with breakfast.”

“We add a chef’s touch to everything that we do. Plus, everything is scratch made and our menu is what we call unapologetically Southern,” Bumgardner said.

Among the menu selections are fried oyster scrambles, Creole omelets topped with homemade tomato gravy, cathead chicken biscuits with gravy, huevos rancheros grit bowls and chicken and waffles. If all of that has you contemplating a nap afterwards, there are light choices as well.

“We make our own granola and add it to yogurt and our avocado toast is out of this world,” Bumgardner said. Big Bad Breakfast also touts a full bar, so customers can avail themselves of mimosas and other drinks to top off their meals.

As for staff, Bumgardner acknowledges the difficulty that restaurants are having reaching a full contingent of servers, but recognizes that Big Bad Breakfast, with its shortened hours, appeals to those seeking an acceptable work-life balance.

“Because we’re only open for breakfast, brunch and lunch, our staff works from 7 a.m. to 2:30 p.m., which attracts all kinds of people who dislike working nights and that’s a big advantage to us,” he said.

As for opening up in the Mount Pleasant area, Bumgardner said that he’s delighted to be in his neighborhood and part of a fast-growing area.

“Mount Pleasant used to be a sleepy little town near the beach, north of Charlestown and now it’s a sought-after area that has exploded in growth,” said Bumgardner, adding that new people are moving to the area every day and the fact that they can be at a beach in just a few minutes just adds to the area’s appeal.

“We’re looking forward to being a part of the fabric of the Mount Pleasant Community and are looking forward to what the future brings.”

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Mount Pleasant community fights proposed dog park

MOUNT PLEASANT, S.C. (WCSC) - A historic Mount Pleasant park was possibly going to be a dog park before nearby community members banded together against the development.Now, the development has been put on hold and nearby residents are celebrating the victory.At Edwards Park in historic Mount Pleasant, the park has been here since 1837, that’s why the proposed development brought together the community to maintain its historical significance.“I heard about the dog park that the town was proposing an idea to d...

MOUNT PLEASANT, S.C. (WCSC) - A historic Mount Pleasant park was possibly going to be a dog park before nearby community members banded together against the development.

Now, the development has been put on hold and nearby residents are celebrating the victory.

At Edwards Park in historic Mount Pleasant, the park has been here since 1837, that’s why the proposed development brought together the community to maintain its historical significance.

“I heard about the dog park that the town was proposing an idea to divide and fence half of the park, and the community spoke out and said we don’t want this, and the town council responded,” Sarah Mitchell who lives near Edwards Park says. “And as I know, it is off the table for now. So, which is wonderful, but in the future, we’d like to do a historical designation of the park.”

Turning Edwards Park into a dog park was an idea shared with the community a few weeks ago, but the town decided to stop pursuing the project after over 700 Mount Pleasant residents signed a petition against it.

Eric LaFontanie with Mount Pleasant said after hearing feedback and considerations from the community, the town will not be pursuing this Edwards Park concept at the moment.

The park currently sits in the middle of a neighborhood with homes surrounding it on all sides with homeowners concerned about the potential impact on traffic and noise it would have on residents.

“It’s important just for traffic, noise, and other reasons, that we don’t ever make it an official dog park. Like I said, folks can use it now as it is: you could still come with your dog, but we also want it open for everyone,” Mitchell says.

Edwards Park is used by many members of the public to picnic, host group gatherings, go for walks, and more, which is why the community wanted it to be open to all.

“When you turn something into a dog park, it really limits it to just one use,” Park Preservation Advocate Daniel Brownstein says. “I mean, nobody’s going to go have a picnic at a dog park, so it just made sense, I think, to keep the status quo and make sure that it’s open to people and dogs and not exclusive to one or the other.”

Turing Edwards Park into a dog park was part of Mount Pleasant’s plan to improve Alhambra Hall, grounds and playground, the other improvements are all still set to begin next summer.

“I think if anything, the park could use a little TLC with its landscaping,” Brownstein adds. “It would also be an ideal spot to build a gazebo, and to really just sort of enhance it into the community gathering spot that it could be.”

Copyright 2023 WCSC. All rights reserved.

Fresh start for retail space as supermarket chain to enter Charleston market

MOUNT PLEASANT — A North Carolina-based supermarket chain plans to enter the Charleston market, stepping in after another grocery store’s plans fell through.The Fresh Market has taken over the lease from discount grocer Lidl for a space in Bowman Place ...

MOUNT PLEASANT — A North Carolina-based supermarket chain plans to enter the Charleston market, stepping in after another grocery store’s plans fell through.

The Fresh Market has taken over the lease from discount grocer Lidl for a space in Bowman Place Shopping Center, according to a document filed Sept. 27 in the Charleston County land records office.

A spokeswoman for the Greensboro-based specialty grocer said the company “did not have anything to share at this time” on its open schedule.

Peter Stone of Mount Pleasant’s planning department said Fresh Market has not presented construction plans to the town, which usually considers building and facade alterations as well as signage through the Commercial Design Review Board.

German company Lidl, with its U.S. headquarters in Arlington, Va., had planned to move into a 26,000-square-foot space in the Dick’s Sporting Goods-anchored retail center near Bowman Road and Johnnie Dodds Boulevard.

Work came to a halt more than a year ago.

A Lidl representative did not respond for comment.

The Fresh Market now has the remainder of the 15-year tenant agreement Lidl signed three years ago next month. The lease also included an option for 15 more years.

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The site originally held a 20,000-square-foot kitchen store, but it closed in early 2020. Lidl wanted a larger space, so it added 6,000 square feet and a loading dock in the rear of the building.

The Fresh Market has nine stores in South Carolina. Its closest location to Charleston is about 70 miles up the coast at Pawleys Island.

The chain offers an upscale assortment of fresh produce, meat and seafood along with a deli, bakery, prepared foods and fresh-cut flowers. The store also has beer, wine, coffee and bulk nuts along with various other items.

In 2017, Fresh Market first eyed the state’s fourth-largest municipality and its 95,000 residents who have a median household income of more than $106,000, according to U.S. Census figures.

Publix eventually brought one of its small-format specialty grocery stores called GreenWise Market to the 21,535-square-foot space in Indigo Square Shopping Center off U.S. Highway 17, where Fresh Market was looking.

GreenWise Market, near Mount Pleasant Towne Centre, closed in 2020 about 16 months after it opened. It’s now the site of outdoor gear retailer REI Co-op.

Another specialty grocer also made a run in Mount Pleasant. North Carolina-based Southern Season shuttered its store off Coleman Boulevard in 2016, less than three years after it opened. It’s now the home of Gold’s Gym.

Last year, South American retailer Cencosud acquired a 67 percent stake in The Fresh Market. Existing grocery store shareholders retained a minority equity interest in the company.

The Fresh Market, with 159 stores in 22 states, was founded in 1982. The size of its stores average about 21,000 square feet.

The Bowman Place location is near a 4-mile stretch of Johnnie Dodds Boulevard between the Ravenel Bridge and Interstate 526 that’s teeming with supermarkets. They include Harris Teeter, Whole Foods, Publix, Traders Joe’s, Aldi and Walmart.

Lidl has a dozen stores in South Carolina, with two in the Charleston area in Goose Creek and North Charleston.

Business owner sets sights on MPW Commission

A local business owner and longtime Mount Pleasant resident is pursuing an open seat on the Mount Pleasant Waterworks Commission this fall.Pete Loy enters a semi-crowded field of candidates for the open seat on the MPW Commission. Four other individuals filed for candidacy, including newcomer and energy strategist Ashton Raffety, local leader John Wright, former MPW General Manager Clay Duffie and 2015 Town Council candidate Julio Avendano.Loy started Citadel Enterprises, a remodeling company based in Mount Pleasant, in 1991. A...

A local business owner and longtime Mount Pleasant resident is pursuing an open seat on the Mount Pleasant Waterworks Commission this fall.

Pete Loy enters a semi-crowded field of candidates for the open seat on the MPW Commission. Four other individuals filed for candidacy, including newcomer and energy strategist Ashton Raffety, local leader John Wright, former MPW General Manager Clay Duffie and 2015 Town Council candidate Julio Avendano.

Loy started Citadel Enterprises, a remodeling company based in Mount Pleasant, in 1991. After over 30 years in the business, Loy said he feels that his company is at a place where he can take a step back and start focusing his energy on community involvement and running for an open seat on the Mount Pleasant Waterworks Commission felt right.

“As a successful business professional, I can bring a businessman’s perspective with fresh ideas,” he shared.

The Citadel Enterprises President graduated from the Citadel in 1987 and is a Bishop England High School alum. He shared some additional experience in conservation: he was a chairman for the East Cooper Chapter of the Coastal Conservation Association of South Carolina, as well as a former State Director for the organization. Loy said that if elected, he would take a look at opportunities to be proactive in storms and weather events and look at ways to sustainably provide water and wastewater.

“Environment is a concern there because ... we have this phenomena of weather events, rising speeds. These weather events are happening more frequently,” Loy said. “It will only be a bigger challenge as time goes on, so we need to find ways to provide sustainable sources of water and wastewater.”

Loy also mentioned monitoring growth and development as it relates to the utility.

“Generally speaking, I want to be able to control it. I don’t want to shut it down, but it needs to be sustainable. It needs to be smart and it needs to pay for itself. We’re faced with sprawl and development and you don’t want to infringe on anybody’s property rights, but we just need to be smart about it.

If elected, Loy said he would prioritize taking time to listen, both to the other six members of the commission and MPW’s customer base. He also feels his experience as a successful business owner will help him focus on attracting qualified new hires.

Loy commended the work that MPW has already done in improving the water quality in the Town, and the effective collaboration between the current Board of Commissioners.

“They’ve worked well together. They get along. We’re very lucky to have (MPW General Manager) Allan Clum. He’s intelligent. He’s a collaborator. So that’s a good thing, so I would be walking into being set up for success,” Loy said.

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