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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 Nexton 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 Nexton
- Important Information About Senior Supplement Plan Insurance
- Senior Medicare Advantage Plan Insurance in Nexton, 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
Guiding You Through The Confusion of Medicare!
Request a ConsultationWhat 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:
- 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 Nexton
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 Nexton 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 Nexton, 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
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 Nexton. 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.
Latest News in Nexton, SC
Nexton community continues to expand
Summer Huechtkerhttps://www.live5news.com/2021/03/18/nexton-community-continues-expand/
BERKELEY COUNTY, S.C. (WCSC) - The Nexton community in Summerville continues to see new growth right off of I-26 and Highway 17A.Nexton Vice President of Operations Brent Gibadlo says the community can expect to see new restaurants, parks, employments opportunities, offices, and a variety of homes coming in the next few years.“Nexton is already in a really great location, right off of I-26, so it’s very accessible. I think the other thing is a lot of employment here,” Gibadlo said. “So, this isn’t ...
BERKELEY COUNTY, S.C. (WCSC) - The Nexton community in Summerville continues to see new growth right off of I-26 and Highway 17A.
Nexton Vice President of Operations Brent Gibadlo says the community can expect to see new restaurants, parks, employments opportunities, offices, and a variety of homes coming in the next few years.
“Nexton is already in a really great location, right off of I-26, so it’s very accessible. I think the other thing is a lot of employment here,” Gibadlo said. “So, this isn’t really just about homes, it’s a lot about businesses. So, it’s this idea of integrating where people work and where people live and getting those things more inter-connected.”
The Midtown area of Nexton opened about six months ago and currently has about 100 homes on site, but within the next 10 to 15 years, Gibadlo says they plan to have around 3,000 homes there.
“I think that’s the biggest thing that we’re trying to do at Midtown Nexton is offer housing options across the board,” Gibadlo. “So whether you’re a young person looking to buy your first home or you’re an empty nester looking to downsize, and everything in between.”
Gibadlo says the Midtown space will have apartments, townhomes, and individual houses. They also just broke ground on the Midtown Club which will have a resort pool, lap pools, exercise facilities, and other amenities.
Downtown Nexton is expected to break ground later this year. It will be separate from the existing Nexton Square with restaurants, stores, and offices. It will be about 100 acres along Sigma Drive. Gibadlo says it will have hotels and apartments in a more urban and city-like area of the community.
He says he’s excited for Nexton to also become a health and wellness hub for the area. That includes new offices already and the anticipation of a MUSC Community Hospital expected to open in 2022.
Gibadlo also says they realize the growth of this area may not seem beneficial for everyone.
“You know, it’s very fair for folks to have concerns about growth. What we always think about is we want to make sure that there’s far more positives than negatives associated with growth,” Gibadlo said. “So I think first it starts with a good, thoughtful master plan. And that’s one thing that we’re lucky in the case of Nexton. This is a plan that’s been in the works now for over 10 years.”
He adds that Nexton has a master plan for the road networks and stormwater plans that come with the rapid growth here.
Copyright 2021 WCSC. All rights reserved.
Nexton Highlights 2023 Achievements, Reveals Anticipated Additions for 2024
CRBJ Biz Wirehttps://charlestonbusiness.com/nexton-highlights-2023-achievements-reveals-anticipated-additions-for-2024/
SUMMERVILLE, S.C. – Nexton, the most innovative and walkable community in South Carolina, reported a successful 2023 that includes the addition of cutting-edge commercial space as well as fresh amenities and housing options. As a new year begins, the community is poised for growth on all fronts, advancing its status as a national model for master-planned communities.“Nexton’s tenth year was filled with accomplishments. From celebrating 2,800 total home sales to welcoming a multitude of high-quality new businesses and...
SUMMERVILLE, S.C. – Nexton, the most innovative and walkable community in South Carolina, reported a successful 2023 that includes the addition of cutting-edge commercial space as well as fresh amenities and housing options. As a new year begins, the community is poised for growth on all fronts, advancing its status as a national model for master-planned communities.
“Nexton’s tenth year was filled with accomplishments. From celebrating 2,800 total home sales to welcoming a multitude of high-quality new businesses and housing choices, it was truly a remarkable year,” said Nexton’s Senior Vice President, Development Brent Gibadlo. “Each new year presents countless opportunities for Nexton, and we are excited to continue this momentum as a forward-thinking master-planned community and thriving economic hub in 2024.”
COMMERCIAL Nexton welcomed a collection of world-class retailers and commercial entities in 2023, including:
• The Hub at Nexton, developed by SL Shaw, added 88,000 square feet of office, retail, and restaurant space. It officially opened its doors in May, featuring local favorites such as The Co-Op and Derrington Dermatology. • Brighton Court: Two additional multi-tenant buildings were added adjacent to Coastal Fertility, offering new medical office and retail options. • Downtown Nexton: Sharbell Nexton LLC, the developer of Downtown Nexton, broke ground on Atelier Downtown Nexton office project in June and secured the first five tenants for the ground-floor retail in the Lofts Downtown Nexton apartments. Woodfield Development nears completion of The Ames, featuring 304 market rate apartments, and broke ground on The Radler, which includes 324 market-rate apartments. • Serendipity Labs, an established brand of co-working and flexible office facilities, celebrated the grand opening of its second Charleston location in Nexton in May. • The Pickle Bar: A new restaurant, retail and recreation concept that combines the growing popularity of pickleball with a bar and restaurant opened in November. • Dayfield Park, new commercial properties featuring office space and residential options, as well as retail and service providers broke ground in September. Tenants include The Goddard School daycare, HYLO Fitness, GoDog, Stretch Zone and Pinnacle Bank. • One Nexton, a Publix-anchored commercial center, broke ground with plans to include a bank and neighborhood-serving retail and dining.
RESIDENTIAL Nexton continued to provide a variety residential offerings and amenities to cater to all lifestyles and preferences, including:
• 492 homes sold in four residential villages including Del Webb Charleston, North Creek Village, Brighton Park Village and Midtown. • Nexton celebrated the 2,800 total home sale milestone. • Brookfield Residential was added to the community’s builder program and introduced their new townhome collection. • Builder Ashton Woods unveiled a new 55+ neighborhood of homes called Hammock Walk, featuring 100 villa-style homes in its first phase. The neighborhood celebrated the grand opening of its first homes and model home in December.
CIVIC • Nexton Middle School, a new fifth through eighth grade Berkeley County middle school, broke ground in December with a planned opening in 2026.
AWARDS + ACCOLADES Nexton received several national and regional accolades for demonstrating its commitment to forward-thinking design and innovation:
• Awarded the Grand Aurora Award in the category Residential Housing Community of the Year – Masterplan. • Awarded the Multi-Housing News Excellence Award in the category Development & Design: Mixed-Use. • Awarded a 2023 Best in American Living Award by The National Home Builders Design Committee for The Villas at Nexton in the category Single-Family Community For Rent. • Recognized as #38 of the 50 top-selling master-planned communities in the U.S. by RCLCO Real Estate Advisors, based on year-end 2023 home sales.
LOOKING AHEAD As Nexton closes another successful chapter, the community continues to set the industry standard for master-planned communities across the U.S. The following can be expected from the Nexton in 2024:
• Page’s Okra Grill opened in January 2024. • Additional homebuilder, Stanley Martin will join the Nexton community as well as new with a new collection of townhomes and condos to Brighton Park. Existing builders are adding new floor plans to Nexton’s Midtown neighborhood. • Brookfield Residential’s model townhome and first homes will open to the public in February. • Del Webb Nexton will break ground on its expanded amenity package with the addition of indoor and outdoor pickleball courts, a large gymnasium and restaurant. • Harris Teeter and Publix grocery stores will open. • Dayfield Park, a new commercial property featuring office space and residential options, as well as retail and service providers, will open. • Downtown Nexton: The first phase of the Lofts and Atelier Downtown Nexton will be completed in 2024. • Berkeley County Park will open in the summer of 2024.
Business development in Carnes Crossroads, Nexton and Cane Bay
Lauren Griffith Special to The Post and Courierhttps://www.postandcourier.com/business-development-in-carnes-crossroads-nexton-and-cane-bay/article_7b755448-0708-11ee-a8b5-73af47c72ba7.html
While Charleston's population is booming with new transplants, the Summerville and Goose Creek areas are developing just as quickly to accommodate the area's growth.Summerville is located roughly 45 minutes from Downtown Charleston, serving as the ideal location for folks who want to move close to the city without being directly in the middle of the excitement.Goose Creek is only 35 minutes from Downtown Charleston and is seeing a demographic of young families who hope to live near the city while finding affordable housing and ...
While Charleston's population is booming with new transplants, the Summerville and Goose Creek areas are developing just as quickly to accommodate the area's growth.
Summerville is located roughly 45 minutes from Downtown Charleston, serving as the ideal location for folks who want to move close to the city without being directly in the middle of the excitement.
Goose Creek is only 35 minutes from Downtown Charleston and is seeing a demographic of young families who hope to live near the city while finding affordable housing and nearby employment.
In recent years, both Summerville and Goose Creek have expanded with the development of several master-planned communities that offer housing, lifestyle, retail, dining, outdoor recreation and so much more. These areas have also developed several new businesses, restaurants, workspaces and corporate offices.
As Goose Creek's economy grows and thrives, many new projects and ventures are on the horizon in this Charleston community, specifically in Carnes Crossroads.
According to Post & Courier writer Barry Waldman's piece about new development in Carnes Crossroads, Carnes is now co-owned by Lennar Builders and Boston-based Freehold Communities, with approval to build about 4,500 homes.
This community is technically only a quarter built, with new projects on the way, such as the concept of "agrihood," a working farm and community gardens. Professional farmers will grow and supply produce, herbs and flowers to the community.
In September 2022, the city of Goose Creek announced a plan for growth in the community, including a walkable space for restaurants, offices and a green lawn for town events. Soon, this multi-planned community that is currently primarily residential with some outdoor amenities will expand to be more similar to larger communities like Cane Bay and Nexton.
While there are currently a few dining options available, like East Bay Deli, Steel City Pizza Co., and Mi Fiesta, plenty more options will be coming soon as well.
As for business development in Summerville's large Nexton community, according to Warren L. Wise for the Post & Courier, Atelier Downtown Nexton is a new project coming soon to Nexton, planned by an affiliate of New Jersey-based Sharbell Development on 7.5 acres on Brighton Park Boulevard off of U.S. Highway 17A.
Located in the Nexton community, the project will include multiple two-story buildings up to 18,000 square feet. Office, service and commercial space will be for sale or lease.
In addition, The Hub in Nexton is expanding. This project is a collection of office and commercial buildings under development on Nexton Parkway and Brighton Park Boulevard, and new expansions will include commercial tenants Lombardi's Pizza Kitchen, The Co-op Frosé & Eatery, The Backyard Biergarten, Lowcountry Yoga and children's gym KidStrong.
Big things are also happening over at Cane Bay Plantation in Summerville. Buck Investments, led by Eddie Buck, recently paid $13 million for nearly 45 acres on the northwest corner of the future Fair Winds Boulevard intersection at U.S. Highway 176. The buildout of this section will happen over the next four years.
Cane Bay has also been selling multiple large parcels of land for new housing developments as it expands, and the community is now roughly the size of Spartanburg, South Carolina.
More growth and business developments are coming quickly for these three large, multi-planned communities that are shaping up to be more like cities in their own right.
West Shore Acquires Third Charleston Area Luxury Apartment Community
David Thomsonhttps://patch.com/south-carolina/summerville/west-shore-acquires-third-charleston-area-luxury-apartment-community
Purchase of Solis Nexton Apartments Brings Company's Total Number of Properties in South Carolina to Eight Community ContributorThe perfectly manicured entrance to one of the buildings at Solis Nexton. (Patrick O'Brien for West Shore)A beautifully appointed kitchen in one of the units at Solis Nexton. (Patrick O'Brien for West Shore)West Shore, a multifamily real estate investment firm, announces its acquisition of ...
Purchase of Solis Nexton Apartments Brings Company's Total Number of Properties in South Carolina to Eight
Community Contributor
The perfectly manicured entrance to one of the buildings at Solis Nexton. (Patrick O'Brien for West Shore)
A beautifully appointed kitchen in one of the units at Solis Nexton. (Patrick O'Brien for West Shore)
West Shore, a multifamily real estate investment firm, announces its acquisition of Solis Nexton, a new luxury apartment community located in the award-winning Nexton master-planned community in Summerville, South Carolina. This marks the Boston-based company’s eighth acquisition in the state. The company’s other properties in South Carolina include Vantage at Wildewood, Town Center at Lake Carolina, and Arcadia’s Edge, all in Columbia, Sweetwater Apartments and 17 South Apartments, both in Charleston, Riverwalk Apartments in Rock Hill, and Reserve at Mill Landing in Lexington. West Shore now owns and operates 45 properties with over 14,000 units in seven states.
“We are pleased to have acquired Solis Nexton, our third property in the Charleston market,” said Steven P. Rosenthal, Chairman of West Shore. “This property is in a sought-after location surrounded by world-class businesses, retail, and dining options, providing a terrific living experience for our residents.”
Located in the heart of Nexton Square, the 320 spacious apartment homes sit on 11 sprawling acres and offer a resort-style pool, dog park, pet spa, entertainment lounge, state-of-the-art fitness center, private yoga and spin studio, and electric charging stations.
“Solis Nexton offers residents modern apartment homes in an ideal location with access to all-inclusive amenities,” said West Shore President, Lee Rosenthal. “The community is near several other West Shore properties, allowing us to leverage our knowledge of the area.”
Solis Nexton Apartments is located at 6000 Front Street in Summerville, South Carolina and is now leasing. To learn more, visit www.solisnexton.com.