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Senior Medicare Advantage plan insurance in North Charleston, 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 North Charleston, SC 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 North Charleston, SC
- Important Information About Senior Supplement Plan Insurance
- Senior Medicare Advantage Plan Insurance in North Charleston, 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
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 North Charleston, SC
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 North Charleston, SC 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 North Charleston, 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 North Charleston, SC. 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 North Charleston, SC
Former North Charleston City councilman enters guilty plea in corruption case
Tiana Maxwellhttps://www.live5news.com/2025/10/27/former-north-charleston-city-councilman-enters-guilty-plea-corruption-case/
NORTH CHARLESTON, S.C. (WCSC) - A former North Charleston City councilman, who is facing charges from a corruption probe, has entered a guilty plea.Mike A. Brown was one of three North Charleston City councilmembers who were charged in a February corruption probe.Brown, along with his attorney, state representative Todd Rutherford, appeared in federal court downtown on Monday. Brown withdrew his initial not guilty plea to guilty in pursuit of a plea agreement.Brown agreed to partially appeal his right to oppose or appeal...
NORTH CHARLESTON, S.C. (WCSC) - A former North Charleston City councilman, who is facing charges from a corruption probe, has entered a guilty plea.
Mike A. Brown was one of three North Charleston City councilmembers who were charged in a February corruption probe.
Brown, along with his attorney, state representative Todd Rutherford, appeared in federal court downtown on Monday. Brown withdrew his initial not guilty plea to guilty in pursuit of a plea agreement.
Brown agreed to partially appeal his right to oppose or appeal the plea agreement for post-conviction rights.
Brown pleaded guilty to one count of charges with conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud.
The maximum charge is imprisonment for up to five years. The ex-councilman will receive a sentencing at a later date.
The U.S. Attorney’s Office and the FBI described the five others who were also charged as associates in the corruption investigation.
Court documents detail that Brown and former North Charleston Councilman Jerome Heyward, along with boat company lobbyist Aaron Hicks, were named for allegedly conspiring to solicit kickbacks in exchange for their influence on a critical rezoning vote.
Court Documents detail that the rezoning vote was related to a Berkeley County boating manufacturing company listed as ‘Company A’.
Documents detail the FBI’s interception of the phone calls of former councilmember Jerome Heyward’s cell phone communications starting on April 17.
Brown was involved in intercepted conversations of the company paying money to Brown. Brown received at least $1,000 in cash before April 18.
Documents also allege intercepted phone calls found Brown needed the money to help with his son’s wedding expenses.
Gov. Henry McMaster issued Executive Order 2025-09, suspending Brown from office until he is formally acquitted, convicted, or a successor is elected and qualifies as provided by law, whichever comes first.
Brown resigned from his seat on the city council on Oct. 16.
‘We’re so proud’: North Charleston High School to celebrate 100th anniversary
Patrick Phillipshttps://www.live5news.com/2025/10/08/live-north-charleston-high-school-prepares-celebrate-100th-anniversary/
NORTH CHARLESTON, S.C. (WCSC) - School and district officials are planning a year of events to celebrate the centennial for North Charleston High School.One of the projects will include an archives room that will house memorabilia and artifacts related to the school’s history.Charleston County School District Superintendent Anita Huggins thanked the school’s staff and its principal, Henry Darby, for the academic progress the school’s students have made.“North Charleston High School has made meanin...
NORTH CHARLESTON, S.C. (WCSC) - School and district officials are planning a year of events to celebrate the centennial for North Charleston High School.
One of the projects will include an archives room that will house memorabilia and artifacts related to the school’s history.
Charleston County School District Superintendent Anita Huggins thanked the school’s staff and its principal, Henry Darby, for the academic progress the school’s students have made.
“North Charleston High School has made meaningful gains in recent years in academic growth, in college and career readiness, in the graduation rate and in a confidence and pride of the students that it readies for the future,” Huggins said. “We have work to do, but we are so proud of everything that has been accomplished by this great team, because it’s not easy.”
Darby said the school’s graduates are among the top talent within the nation. He said the milestone represents the continuation of the legacy and shows that the school is still relevant.
“Who would have thought 100 years ago that this school would still be standing?” he said. “At North CHarleston High School, even though we have various mission statements and values and whatnot, but our ultimate goal in North Charleston School is to produce productive citizens.”
He referred to a quotation engraved into the school building: “Education is a possession of which man cannot be robbed.”
“With that and the totality of that statement, that’s what makes the school a good school to live up to this statement,” he said.
Huggins credited Darby’s leadership, retelling stories of his working part-time three days a week at an area Walmart to help his students in need.
“He even walked to work for three weeks because he’d given his car to a staff member whose vehicle had broken down,” she said. “That kind of servant leadership is very rare. It speaks volumes about his heart, his integrity and his belief that every student deserves a chance in this world to succeed.”
Darby’s selfless act of working a part-time job gained national attention and Gov. Henry McMaster presented him with the Order of the Palmetto, the highest civilian honor in South Carolina, in 2021.
The school is asking graduates to donate to the Archives room. Darby said the school recently made contact with a Colorado woman whose grand-grand-aunt graduated from the school. They sent the graduation program as well as her school ring, which he called one of the most cherished items in the archives. He said representatives from the school’s Class of 1962 provided a drape of that year’s basketball championship team.
The archives will also include volumes of yearbooks dating back to 1928.
Work is underway on a timeline of the school’s history and interviews are being conducted of past graduates about the school’s legacy.
CBP opens new Global Entry Enrollment center in Charleston, SC
Release Datehttps://www.cbp.gov/newsroom/local-media-release/cbp-opens-new-global-entry-enrollment-center-charleston-sc
CHARLESTON, S.C.— U.S. Customs and Border Protection (CBP) is pleased to announce the opening of a new Global Entry Enrollment Center in the Low Country region of South Carolina at Charleston International Airport. This new center will expand access to the Trusted Traveler Program for international travelers. With this addition, CBP now operates three Global Entry Enrollment Centers in the Southeast region, providing greater convenience for individuals seeking to complete their Global Entry enrollment process.Th...
CHARLESTON, S.C.— U.S. Customs and Border Protection (CBP) is pleased to announce the opening of a new Global Entry Enrollment Center in the Low Country region of South Carolina at Charleston International Airport. This new center will expand access to the Trusted Traveler Program for international travelers. With this addition, CBP now operates three Global Entry Enrollment Centers in the Southeast region, providing greater convenience for individuals seeking to complete their Global Entry enrollment process.
The newly opened Global Entry location is:
Hours: Monday - Friday. 10a.m. – 2 p.m.
This new center joins the existing operational Global Entry Enrollment Centers located in:
“The demand for the Global Entry Trusted Traveler Program continues to grow”, said Gregory Alveraz, CBP Atlanta Director of Field Operations. “This new enrollment center in Charleston reflects CBP’s commitment to improving accessibility and convenience for travelers in the Southeast region. We are proud to offer this service to help streamline international travel for our Trusted Traveler members.”
Enrollment appointments at Charleston International Airport are now available for booking. To schedule your Global Entry interview, use the official TTP website at https://ttp.cbp.dhs.gov/scheduler and book an appointment at the preferred enrollment center.
Reminder – Applicants must bring their current passport, driver's license and proof of residency to their interview.
Global Entry is a CBP Trusted Traveler Program (TTP) that allows expedited clearance for pre-approved, low-risk travelers upon arrival in the United States. All applicants undergo rigorous and recurring background checks and complete an in-person interview before enrollment. Global Entry is available at major U.S. Airports and Preclearance locations with reduced wait times and no paperwork. Members can use automated kiosks at select airports to bypass traditional customs processing lines.
Follow X @CBPSoutheast and the director of CBP’s Atlanta Field Office on X and Instagram at @DFOAtlanta for breaking news, current events, human interest stories and visual imagery.
U.S. Customs and Border Protection (CBP) is America's frontline: the nation's largest law enforcement organization and the world's first unified border management agency. The 65,000+ men and women of CBP protect America on the ground, in the air, and on the seas. We enforce safe, lawful travel and trade and ensure our country's economic prosperity. We enhance the nation's security through innovation, intelligence, collaboration, and trust.
North Charleston is on the radar of an overseas-based Boeing 787 and 777 supplier
John McDermotthttps://www.postandcourier.com/business/aerospace/boeing-sc-north-charleston-county-787-us-supplier/article_7b37a8ee-fd69-4460-b461-156108ce73c1.html
CHARLESTON — An aerospace industry supplier is looking to bring 55 jobs to North Charleston — or two other cities where Boeing Co. is a dominant employer.Charleston County Council's finance committee recently reviewed a package of potential tax incentives for an overseas-based business identified by the code name "Project OPF." The company plans to invest about $5.8 million to set up its first U.S. location.The jobs would pay an average of about $76,600.“If selected, the … site would po...
CHARLESTON — An aerospace industry supplier is looking to bring 55 jobs to North Charleston — or two other cities where Boeing Co. is a dominant employer.
Charleston County Council's finance committee recently reviewed a package of potential tax incentives for an overseas-based business identified by the code name "Project OPF." The company plans to invest about $5.8 million to set up its first U.S. location.
The jobs would pay an average of about $76,600.
“If selected, the … site would position 'Project OPF' in close proximity to Boeing's existing operations in North Charleston, strengthening an already robust aerospace ecosystem in the region,” according to a summary of the incentive package. “The company cited Charleston’s strategic location, strong workforce pipeline and growing reputation as an aerospace hub as key factors in its site selection process.”
Merle Johnson, the county’s economic development director, described the overseas prospect on Aug. 21 as ”a major tier-one supplier to Boeing,” which builds the 787 Dreamliner next to Charleston International Airport and is investing $1 billion to increase production.
The incentives include an agreement that would lock the mystery company’s property tax bill at a fixed rate for 20 years, resulting in about $960,317 in revenue for schools and other public agencies over that period. The business also could be reimbursed up to $76,000 for certain expenses tied to its investment.
The county said the company has looked at other locations in the U.S., with North Charleston "emerging as a front-runner” beside St. Louis and Seattle.
“'Project OPF' will serve as a final assemblies site for major commercial aerospace projects" and play "a key role in supporting" Boeing's local 787 program and its 777 operation in Everett, Wash., according to the summary.
The supplier will be identified by name before elected officials vote on the incentive agreement for the third and final time.
Among other questions, councilman Larry Kobrovsky asked last week exactly where the company is headquartered, but he didn't get an answer. He and chairman Kylon Middleton were outvoted in opposing the incentives on Aug. 26.
North Charleston aerospace parts maker to invest $43M and beef up its payroll
John McDermotthttps://www.postandcourier.com/business/industry/north-charleston-aerospace-parts-maker-to-invest-43m-and-beef-up-its-payroll/article_204c19cf-e21a-485a-80ed-26176a35433a.html
A global manufacturer of aerospace components is investing about $43 million and adding 53 jobs in a customer-fueled expansion of its North Charleston operation.Eaton Corp. announced Sept. 30 that it plans to build a 60,000-square-foot plant next to its longtime existing factory at 7230 Cross County Road to make hydraulic pumps and motors. The parts are "used on nearly every major aircraft today," according to a Charleston County Council document.Eaton said the investment will partly support a recent, unidentified &qu...
A global manufacturer of aerospace components is investing about $43 million and adding 53 jobs in a customer-fueled expansion of its North Charleston operation.
Eaton Corp. announced Sept. 30 that it plans to build a 60,000-square-foot plant next to its longtime existing factory at 7230 Cross County Road to make hydraulic pumps and motors. The parts are "used on nearly every major aircraft today," according to a Charleston County Council document.
Eaton said the investment will partly support a recent, unidentified "program win" for the manufacturer. It also will give the company extra capacity to take on new business.
The new jobs will pay an average of $46 per hour, or $97,632 a year, boosting Eaton's existing local payroll by about $5.14 million, the S.C. Commerce Department said.
The capital investment will be split roughly between property improvements and equipment
The second plant is expected to ramp up operations starting in 2028.
"The expansion ... will enable Eaton to add machining, assembly and test capabilities and expand our existing additive manufacturing capability to support a key customer’s accelerated delivery schedule on a new program win,” company executive Armando Tellez said in a written statement.
The manufacturer considered about six of its other sites for the investment, according to Merle Johnson, Charleston County's economic development director.
The expansion is expected to generate about $11.7 million for government agencies over the next 20 years under an agreement that replaces Eaton's property tax bill with a flat fee.
Also, up to $2.3 million in state tax credits and government grants have been approved for the company to help pay for infrastructure upgrades and construction costs tied to the project.
County Council’s finance committee approved the incentive package last month. At the time, Eaton was identified by the code name "Project Modern."
The property tax break still must be finalized. County Council will hold a public hearing on the fee agreement on Oct. 14 at 6:30 p.m.
The North Charleston plant is part of Eaton's aerospace division, a global supplier of mechanical, hydraulic and air-driven components that flight crews need to safely and easily control and operate aircraft.
The company has stated previously that it makes pumps and valves for Boeing Co.'s locally based 787 Dreamliner program, which is investing $1 billion to raise its production rate to 10 planes a month from seven.
Eaton Aerospace LLC acquired its 14-acre Cross County Road property in 1999 through its purchase of Aeroquip-Vickers Inc., an Ohio company that made high-precision metal parts at the North Charleston site.
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