Senior Medicare Advantage plan insurance in North Charleston, 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 North Charleston or simply have questions about signing up for Medicare, our team is here to help.
Guiding You Through The Confusion of Medicare!Request a Consultation
What is Medicare?
If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.
Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.
There are four parts of Medicare:
The amount of money you pay for your health care depends on several factors, including:
At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.
Senior Medicare Supplement Plan Insurance in North Charleston
Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in "gaps" that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.
Private companies like Senior Medicare Insurance Services sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.
Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.
Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:
Important Information About Senior Supplement Plan Insurance
To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
- To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
- Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
- If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
- If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
- Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
- You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
- In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.
Senior Medicare Advantage Plan Insurance in 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:
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. That money is used to pay for the care services that you need. Because Medicare Advantage Plans are different, you should expect out-of-pocket costs to vary depending on the plan you choose.
Different plans have different rules for how you receive services, such as:
- If you must go to facilities, suppliers, or doctors that belong to your Advantage Plan for non-urgent and non-emergency care.
- Whether you must get a referral to see a specialized doctor
Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.
Paying for Your Senior Medicare Advantage Plan Insurance
How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.
We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.
The Senior Medicare Insurance Services Commitment
Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:
- Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.
- Listening to your specific needs.
- Responding to all inquiries and questions promptly and with a friendly attitude.
- Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.
Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.
Latest News in North Charleston, SC
North Charleston Business Expo
SC Biz Newshttps://scbiznews.com/event/north-charleston-business-expo/
The North Charleston Business Expo showcases regional companies and offers the business community a rare opportunity to network with over 200 companies & thousands of attendees.KICKOFF BREAKFAST – CHARLESTON’S SUPPLY CHAIN EVOLUTION: NAVIGATING TODAY’S LANDSCAPE – 7:30 am – 9:00 amJoin us for a special event to open the Expo. Along with networking and breakfast, we’ll have a panel discussion featuring supply chain experts from a variety of backgrounds. Panelists include Taylor Jac...
The North Charleston Business Expo showcases regional companies and offers the business community a rare opportunity to network with over 200 companies & thousands of attendees.
KICKOFF BREAKFAST – CHARLESTON’S SUPPLY CHAIN EVOLUTION: NAVIGATING TODAY’S LANDSCAPE – 7:30 am – 9:00 am
Join us for a special event to open the Expo. Along with networking and breakfast, we’ll have a panel discussion featuring supply chain experts from a variety of backgrounds. Panelists include Taylor Jackson from the SC Council on Competitiveness, a local manufacturing executive and a representative from the South Carolina Ports Authority. Ticketed event.
WHEELS UP: Exploring the Future of Mobility. For the first time, Japan-based SkyDrive and South Carolina economic development officials will gather to discuss the company’s vision for a statewide advanced air mobility ecosystem through its ‘flying car’ technology, placing the Palmetto State at the forefront of the future of mobility. Ticketed event.
CAREER OPPORTUNITY CENTER – PRESENTED BY CHARLESTON COUNTY ECONOMIC DEVELOPMENT 9:00 AM – 4:00 PM
Workforce development is critically important to the business community. As our community continues to enjoy economic growth, many employers are looking for qualified employees. Stop by and meet these employers and learn more about opportunities to join these exciting teams.
CONTACTS TO CONTRACTS 9:00 AM – 4:00 PM
Looking to start a new business relationship? Small business owners will have the opportunity to showcase their goods and services to local, state, and federal government contracting agencies at this annual matchmaking event. Businesses will also have the opportunity to seek advice from several specialized small business resource agencies.
NONPROFIT PAVILION – 9:00 AM – 4:00 PM
Nonprofits are vital to the success of any region. In the Lowcountry, we’re blessed with a robust nonprofit community. Our Nonprofit Pavilion will feature a variety of nonprofit organizations. Stop by and learn more about their impact on the community and how you can get involved.
EXPERIENCE THE EXPO 9:00 AM – 4:00 PM
Explore the Expo floor and meet hundreds of local businesses and business owners exhibiting their products and services. Connect with others in the business community, including small-business entrepreneurs and top executives.
NETWORKING RECEPTION 4:00 PM – 5:30 PM
Meet with hundreds of professionals, business owners, and entrepreneurs from across the region. Food, drinks, and live music will be provided. Come and enjoy one of the best Business Networking events in the Lowcountry. This is a great place to generate fresh leads and sales.
EXPO PRESENTED BY:
Charleston Regional Business Journal | City of North Charleston
EXPO SPONSORED BY:
Coldwell Banker Commercial Atlantic | North Charleston Chamber of Commerce | Stingray Branding
KICKOFF BREAKFAST AND POWER LUNCH SPONSORED BY:
Go social with #nchsxpo.
Smithey Ironware expanding North Charleston operations
Smithey Ironware Co., a designer and manufacturer of cast iron and carbon steel cookware, is expanding again, this time with a $2 million investment that is expected to create 22 new jobs.The company, founded in 2014, is now located at 1465 Pipefitter St. in North Charleston&rs...
The company, founded in 2014, is now located at 1465 Pipefitter St. in North Charleston’s Navy Yard, a 15,000-square-foot facility that serves as the company’s headquarters.
Will Copenhaver, Smithey’s vice president of marketing and sales, said the new location, an expansion from its previous 5,000-square-foot production site on Machinist Street, includes the company’s fulfillment center, sales hub, call center and operations hub, as well as its production facility.
“We’re kind of excited to have some more office space as well,” Copenhaver said. “We currently have more than we need, which is a good feeling because at the pace we’re growing and with our plans, that will not last long.”
Smithey manufactures raw castings, with a surface similar to heavy grit paper, into cookware pieces by hand and by machine. The process includes hand-grinding, tumbling, machining and seasoning the castings.
Copenhaver said Smithey is investing several hundred thousand dollars into new equipment, such as tooling machines that help get the cast iron pans to their ideal weight.
The company also launched a new product earlier this month, a carbon steel skillet, in partnership with Robert Thomas Iron Design, also located in North Charleston’s former Navy yard.
“Robert was literally on the other side of the wall of our old shop,” Copenhaver said. “He was our neighbor, and it’s such a cool story of Charleston and this little ecosystem of companies.”
Founder and President Isaac Morton said in a news release that the company is looking forward to this phase of growth.
“Smithey was founded in Charleston for reason — we feel the city offers a great blend of access to talent, strong entrepreneurial culture, community business support and an enjoyable standard of living,” Morton said.
Smithey has already hired several new employees as it begins building inventory for the holiday season, Copenhaver said, and is looking to hire more.
“It feels really good to have everything aligned where we feel confident we can keep up with production to match demand that we’re driving the growth in,” he said.
North Charleston Mayor Keith Summey said in the release that the city welcomes Smithey Ironware’s investment.
“North Charleston heralds its highly skilled workforce, and we pride ourselves on the unique companies making premium products by hand,” Summey said. “When a chef in Los Angeles or Chicago is using a Smithey product, we're honored to know that its origins are here in North Charleston.”
North Charleston looking for a new flag
North Charleston has no shortage of talented artists and city Mayor Keith Summey is calling on creative minds for help.In honor of North Charleston’s 50th anniversary this year, the mayor seeks to redesign the city flag, which Summey said is complex and lacks real connection to the community.“We aim to create a beautiful flag that rep...
North Charleston has no shortage of talented artists and city Mayor Keith Summey is calling on creative minds for help.
In honor of North Charleston’s 50th anniversary this year, the mayor seeks to redesign the city flag, which Summey said is complex and lacks real connection to the community.
“We aim to create a beautiful flag that represents North Charleston as a community,” Summey said, and he wants the community to create it.
North Charleston’s current flag is too complex, the mayor said, with the city’s organizational seal over a solid background and writing in three different typefaces.
“This flag is similar to thousands of city flags around the country and violates the basic principles of flag design,” Summey said.
1. Keep it simple: The design should be enough that a child can draw it from memory.
2. Use meaningful symbolism: Images, colors or patterns should relate to what the flag symbolizes.
3. Use two to three basic colors: Limit the number of colors to three standard colors which contrast well.
4. No lettering or seals: Never incorporate writing of any kind or an organization’s seal.
5. Be distinctive or related: Avoid duplicating other flags, but use similarities to show connections.
Examples and further details can be found online at the city’s website.
“Your design should follow the principles of flag design with understanding of a flag created by and for the community,” Summey said. “One that the resulting flag would be an appealing and unifying symbol of our city.”
Submission guidelines require a sketch or design that is 6”x4” and includes the five basic flag design guidelines.
Submissions, and questions, can be emailed to [email protected]. Entries must include your name and a description of the design.
The deadline for flag submissions is March 17.
“Help us design a flag that incorporates ideas, themes and symbols that uniquely define North Charleston. All design, idea and input are welcome from residents and others invested in our community,” Summey said.
State of the Ports: South Carolina a powerful alternative gateway
During her second State of the Port address, South Carolina Ports President and CEO Barbara Melvin showcased how SC Ports is a powerhouse port, serving as a powerful alternative gateway for cargo owners seeking a well-run port in the thriving Southeast market, a South Carolina Port Authority news release stated.With more than $3 billion invested into port infrastructure, SC Ports is positioned to be the preferred port on the U.S. East Coast, the release stated.While addressing a packed room of more than 800 people, Melvin annou...
During her second State of the Port address, South Carolina Ports President and CEO Barbara Melvin showcased how SC Ports is a powerhouse port, serving as a powerful alternative gateway for cargo owners seeking a well-run port in the thriving Southeast market, a South Carolina Port Authority news release stated.
With more than $3 billion invested into port infrastructure, SC Ports is positioned to be the preferred port on the U.S. East Coast, the release stated.
While addressing a packed room of more than 800 people, Melvin announced that SC Ports will add at least 2 million TEUs of additional capacity at the Port of Charleston by modernizing North Charleston Terminal, making it comparable to Wando Welch Terminal, according to the release.
With upgraded cargo-handling equipment and an optimized terminal layout, the already-efficient container terminal offers future growth potential, the release stated.
“We have the opportunity to enhance North Charleston Terminal and add capacity to an already-deepened asset to further support our customers’ supply chains,” Melvin said in the release.
As part of the Charleston Harbor Deepening Project, the Cooper River has been deepened up to North Charleston Terminal. This depth, combined with the South Carolina Department of Transportation’s plans to replace the Don Holt Bridge on Interstate 526, sets the stage for the modernization of North Charleston Terminal, the release stated.
“A taller bridge and deepened harbor can accommodate larger vessels, and enhanced terminal capacity will drive growth,” Melvin said in the release. “The South Carolina Department of Transportation is playing a pivotal role in this vision. We are excited to see this critical highway infrastructure project benefit the people who live here, as well as the businesses that depend on the port. These investments will support SC companies’ growth well into the future.”
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SC Ports has strategically invested in critical capacity and capabilities, while continuing to provide reliable service and efficient operations to keep freight moving in the supply chain, the release stated.
“We are experts at quickly working ships for ocean carriers and efficiently moving cargo for the businesses who entrust us to expertly handle their goods,” Melvin said. “We provide the service, speed and connectivity that our customers depend on to thrive.”
Cargo continues to flow from the U.S. West Coast to the U.S. East Coast port market, as companies seek predictability, reliability and access to the Southeast.
The Southeast market is booming, with more people moving into the region and businesses investing in new or expanding operations, the release stated. Even as manufacturing and retail imports have declined across the U.S., the Southeast market continues to thrive with an influx of new residents and industrial growth.
“Port-dependent companies are investing in new operations, including advanced manufacturers, EV and battery manufacturers, solar panel producers, retailers, e-commerce sellers and import distribution centers,” Melvin said. “We have capacity for your supply chain, and as an operating port, we provide unmatched service to propel your supply chain.”
Investing for the future
With the ongoing growth in the Southeast, SC Ports is actively building port capacity and rail capabilities with the new Navy Base Intermodal Facility in North Charleston, the release stated.
Significant progress has been made over the past year to prepare the site for new cargo-handling equipment, buildings and rail tracks, the release stated. The state-of-the-art cargo yard will be served by CSX and Norfolk Southern when it opens in July 2025.
This near-port intermodal operation will further speed goods to market, alongside a future barge operation that will transport containers between port terminals.
“These critical infrastructure projects are made possible by $550 million in state funding,” Melvin said. “The South Carolina Legislature and Governor McMaster understand the key role our port plays in driving our state’s economy. When our port grows, our state thrives.”
SC Ports is also expanding rail-served Inland Port Greer to handle customer growth in the Upstate over the past decade, the release stated. The expansion involves doubling cargo capacity and enhancing rail capabilities.
In the Lowcountry, Charleston now boasts the deepest harbor on the U.S. East Coast at 52 feet, capable of seamlessly handling fully loaded vessels at any tide.
SC Ports has also invested in its ro-ro and breakbulk operation and high-performing container terminals in Charleston, the release sated.
The modernized Wando Welch Terminal offers 15 155-foot-tall ship-to-shore cranes, giving each berth five ship-to-shore cranes to quickly work three ships at one time, according to the release. The state-of-the-art Leatherman Terminal stands ready with 700,000 TEUs of capacity to further support U.S. supply chains.
“As a state, this all makes us more competitive. When we build port capacity, we attract more businesses, investments and jobs to our communities,” Melvin said in the release. “These strategic investments have generational impact across our entire state. SC Ports is proud to keep freight moving for South Carolina.”
Driving economic growth
Melvin highlighted how port investments drive economic growth in South Carolina, creating generational opportunities for South Carolinians.
A new study found that having a world-class port in South Carolina makes a nearly $87 billion statewide economic impact each year, according to Dr. Joseph Von Nessen, a research economist and professor at the University of South Carolina Darla Moore School of Business, who authored the study, the release stated.
The 2023 SC Ports’ Economic Impact Study found that port activities support 1 in 9 jobs in South Carolina, meaning that 260,000 S.C. jobs are tied — directly or indirectly — to port operations and port users, the release stated. These jobs account for both those employed by the port and maritime industry, and those working at port-dependent businesses around the state, like advanced manufacturers or retail distribution centers.
“We have remained incredibly competitive as the 8th largest port in the country, and when port-dependent businesses thrive, it creates opportunities in our communities,” Melvin said. “This growth is thanks to our best-in-class customers, industry partners, visionary state and elected leaders, strong supporters, incredible Board of Directors, and the most amazing port teammates and maritime community in the country.”
Global manufacturer announces $10M North Charleston expansion
A global industrial equipment manufacturer is expanding its Charleston County operations with a $10.1 million investment.Protego (USA) Inc.’s investment will create 39 new jobs, according to a news release from the South Carolina Department of Commerce.With current operations at 9561 Palmetto Commerce Parkway in North Charleston, the company plans to expand its existing facility and transition from assembling to manufacturing tank venting and explosion protection product lines, the release stated. The expansion will also ...
A global industrial equipment manufacturer is expanding its Charleston County operations with a $10.1 million investment.
Protego (USA) Inc.’s investment will create 39 new jobs, according to a news release from the South Carolina Department of Commerce.
With current operations at 9561 Palmetto Commerce Parkway in North Charleston, the company plans to expand its existing facility and transition from assembling to manufacturing tank venting and explosion protection product lines, the release stated. The expansion will also allow the company to implement production welding and computer numerical control machining capabilities.
“We are excited about the expansion of our Landmark Business Park building on Palmetto Commerce Parkway,” Protego (USA) Inc. President Chris Mason said in the release. “This expansion will create more employment opportunities in the greater Charleston area. Our goal is to provide excellent products and services and with the expansion we will be able to increase our raw materials supplies from our domestic U.S. supply chain. We will be able to continue to be a market leader in delivery times for our North American market and continue to offer a top-of-the-line product to our growing list of customers.”
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Founded in 1954, Protego (USA) builds and provides devices and tank equipment for the oil and gas, petroleum, chemical, pharmaceutical and bio-energy industries, according to the release. The company’s products include flame arresters, valves and tank equipment, as well as new products for cryogenic storage applications.
The expansion is expected to be complete by 2026. Hiring will begin in 2024.
The Coordinating Council for Economic Development awarded a $50,000 Set-Aside grant to Charleston County to assist with the costs of building construction, according to the release.
“Protego (USA)'s decision to expand their operations here underscores the strength and potential of our local economy, showcasing Charleston County as an ideal destination for top-tier companies,” Charleston County Council Chairman Herbert Ravenel Sass III said in the release. “We are proud to have Protego (USA) as a valued member of our business community, and we congratulate them on this remarkable expansion.”