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Senior Medicare Advantage plan insurance in Rock Hill, 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 Rock Hill 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 Rock Hill
- Important Information About Senior Supplement Plan Insurance
- Senior Medicare Advantage Plan Insurance in Rock Hill, 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 Rock Hill
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 Rock Hill 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 Rock Hill, 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 Rock Hill. 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 Rock Hill, SC
Mother of 11-year-old who was recorded in TJ Maxx bathroom says suspect should be in jail
WCNChttps://www.wcnc.com/article/news/crime/tj-maxx-peeping-suspect-released-from-jail-bond-investigation/275-ea210ec2-416f-4e8e-a6a6-fb7315a30830
Jerray Bookert is accused of recording an 11-year-old boy in the restroom at a TJ Maxx store in Rock Hill.ROCK HILL, S.C. — A Rock Hill man accused of recording an 11-year-old in a TJ Maxx bathroom is out of jail on bond.Jerray Bookert 38, is facing a voyeurism charge in connection with the March 26 incident. The victim's mother spoke exclusively with WCN...
Jerray Bookert is accused of recording an 11-year-old boy in the restroom at a TJ Maxx store in Rock Hill.
ROCK HILL, S.C. — A Rock Hill man accused of recording an 11-year-old in a TJ Maxx bathroom is out of jail on bond.
Jerray Bookert 38, is facing a voyeurism charge in connection with the March 26 incident. The victim's mother spoke exclusively with WCNC Charlotte after the incident.
Bookert turned himself in on April 9 and was charged with one count of voyeurism. He was given a $3,000 bond during Thursday's hearing. The boy's mother said she wants justice in the case and hopes to prevent it from happening to anyone else.
"This happened to our son, and I just don't want to see this happen to another child," Crystal Adams, the victim's mother, said.
Jerray Bookert
An investigation was started two weeks ago after Adams said her son was filmed while using the restroom at the TJ Maxx store off of Dave Lyle Boulevard. She said her son chased Bookert out of the store before anyone could catch him.
Bookert's wife was overcome with emotion as the case unfolded in court Thursday. If convicted, Bookert faces up to three years in jail or a fine. Adams says that's not enough.
"Just makes you angry, very angry," she said. "He did this to my child and I feel like there's a strong chance he's done this before and could do this again."
The victim's family asked for and was granted a protection order against Bookert. Now they're hoping for more.
"I do want to see him on a registry and I feel like he should serve time in jail because he committed an act against a child," Adams said.
Bookert and his wife declined WCNC Charlotte's request for an interview after the hearing. His next hearing is scheduled for June.
Contact Anna King at aking2@wcnc.com and follow her on Facebook, X, and Instagram.
Nathan’s Famous Announces Opening of Rock Hill, SC Franchised Location Featuring New Free-Standing Restaurant Design
Business Wirehttps://www.businesswire.com/news/home/20250313691755/en/Nathans-Famous-Announces-Opening-of-Rock-Hill-SC-Franchised-Location-Featuring-New-Free-Standing-Restaurant-Design
JERICHO, N.Y.--(BUSINESS WIRE)--Nathan’s Famous, Inc., the American tradition serving New York favorites for more than 100 years, announces today the opening of the new franchised Rock Hill, SC restaurant. The location features the Nathan’s new free-standing restaurant design and its full menu including the brand’s proprietary southern tempura batter and hand-dipped chicken menu, fresh Angus burgers, world-famous hot dogs and fries, and even deep-fri...
JERICHO, N.Y.--(BUSINESS WIRE)--Nathan’s Famous, Inc., the American tradition serving New York favorites for more than 100 years, announces today the opening of the new franchised Rock Hill, SC restaurant. The location features the Nathan’s new free-standing restaurant design and its full menu including the brand’s proprietary southern tempura batter and hand-dipped chicken menu, fresh Angus burgers, world-famous hot dogs and fries, and even deep-fried ripper dogs.
The new free-standing restaurant design features modern New York City loft-style elements next to classic features of historic architecture while boasting a "state-of-the-art" drive-thru experience with a double drive-thru and enhanced POS system.
"We’ve opened and remodeled many new franchised and licensed locations in travel plazas, airports and other inline units, but this is the first free-standing restaurant with our new design, and we are incredibly happy with how it turned out," states Phil McCann, Vice President of Marketing at Nathan’s Famous. “We have a tremendous local franchise partner dedicated to bringing the Flavor of New York to its community of Rock Hill, South Carolina, and we’re excited to see the local community embrace Nathan’s Famous.”
Evolved Full Menu
In addition to the new design, the Rock Hill location offers an enhanced full menu with a touch of local flavor. Guests can enjoy Nathan’s Famous’ world-famous hot dogs, crinkle-cut fries, and the exciting addition of deep-fried ripper dogs, including the signature Rock Hill Ripper. The menu also features a variety of hand-dipped chicken sandwiches, including the Hot Southern Chicken Sandwich, BBQ Bacon Tribeca Chicken Sandwich, and Hot Chicken Club Sandwich, with some options topped with coleslaw. For burger lovers, the menu boasts New York’s Finest Burgers, like the Empire Bacon Cheeseburger and Manhattan Burger, plus the savory NY Cheesesteak Hero.
“We’re big fans of the Nathan’s Famous brand, and are so excited to bring the Flavor of New York to our community of Rock Hill,” stated Steve Simpson, local Nathan’s Famous franchisee and founder of Simpson Family Properties, LLC. Steve’s daughter, Lydia Morales, who is co-owner and General Manager of the Rock Hill franchise, stated, “We love this new store design, and we’ve taken great care to add local flare to make this truly a one-of-a-kind Nathan’s Famous. We hope that the community loves it as much as we do!”
To view images of the Rock Hill Nathan's Famous and new free-standing new store design, click here.
To learn more about Nathan’s Famous, visit https://restaurants.nathansfamous.com/.
About Nathan’s Famous
Nathan’s is a Russell 2000 Company that currently distributes its products in 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, and 20 foreign countries through its restaurant system, foodservice sales programs, product licensing activities, and manufacturing. For additional information about Nathan’s, please visit our website at www.nathansfamous.com.
City of Rock Hill cuts bus routes
WCNChttps://www.wcnc.com/article/news/local/rock-hill/rock-hill-sc-bus-route-changes-3-13-2025/275-9b2d6025-c37b-4820-9390-a5defb8125e6
Passengers can leave feedback about the changes for city officials to review.ROCK HILL, S.C. — The city of Rock Hill says many bus transit operations are being cut due to the inability of the parent company, manufacturer Proterra, to upkeep buses or send in parts for maintenance.The city told WCNC Charlotte that, to accommodate ...
Passengers can leave feedback about the changes for city officials to review.
ROCK HILL, S.C. — The city of Rock Hill says many bus transit operations are being cut due to the inability of the parent company, manufacturer Proterra, to upkeep buses or send in parts for maintenance.
The city told WCNC Charlotte that, to accommodate the change, it is now using paratransit vehicles on certain routes.
“Because of the fleet issues and the challenges with that, this is a way to hopefully serve as many people as we can while addressing the issue that we have,” explained Katie Quinn, the city's Communications and Marketing Manager.
However, fewer seats mean some passengers will be left waiting at a stop, just hoping to catch the next bus.
Josh Grant is one of the passengers that was left at the stop. He says because of this, he had a 7-10-mile walk home from work.
“I had to go from York Tech all the way to India Hook where I live. It’s definitely going to be inconvenient. I know a couple of people who live in my area and use the bus every day," Grant said.
The city says the plan is to cut Route 1, the downtown loop. Route 2 will remain the same, while Route 3 – the Cherry/Riverwalk Line - will merge with Route 4, the Dave Lyle/Galleria Line.
City leaders are also debating cutting the Saturday service altogether or reducing the hours.
There is a public comment period now and city leaders will be accepting feedback and suggestions until April 2nd.
Comments can be sent by email at comments@myriderockhill.com, by phone at (803) 329-RIDE (7433) or in-person at a meeting at Rock Hill City Hall on March 19, 2025 at 10 a.m.
Contact Anna King at aking2@wcnc.com and follow her on Facebook, X, and Instagram.
'Devastated and confused' | Artists upset as Rock Hill's Gettys Center hits the market
WCNChttps://www.wcnc.com/article/news/local/rock-hill/rock-hill-sc-gettys-art-center-3-12-2025/275-7500f712-e8f6-4f88-907a-50f5454b76b8
The mayor said the city has not started feeding through any offers made on the building yet.ROCK HILL, S.C. — Rock Hill’s local art scene is now on a six-month time clock.A few days ago, they received a notice saying the Gettys Center —a second home to painters, photographers, and sculptors for nearly 40 years — is on the market and they have until August to pack up and move out.“We’re feeling devastated and confu...
The mayor said the city has not started feeding through any offers made on the building yet.
ROCK HILL, S.C. — Rock Hill’s local art scene is now on a six-month time clock.
A few days ago, they received a notice saying the Gettys Center —a second home to painters, photographers, and sculptors for nearly 40 years — is on the market and they have until August to pack up and move out.
“We’re feeling devastated and confused by the reality of the situation,” shared local artist Dylan Bannister.
Another artist, Mike Gentry, shared this change will impact multiple people in the community.
“Theater is represented here, music, visual art, poetry is represented here,” he explained.
The city previously shared with WCNC Charlotte the decision to sell came from the $3 million cost in maintenance and yearly expenses far outweighing the $1,200 collected in rent.
At a previous city council meeting, the city told artists if they could come up with the money, they could receive a “community discount.”
Mayor John Gettys said that offer is still on the table and the notice was just a part of the process.
“In order to make sure people knew what was coming and because the contract required that, the notice was given. We figured it would be easier and better for everyone, rather than finding out the property had been sold and given just a couple days to get out,” he explained.
Still, artists say right now they’re hoping for a little more time and more dialogue with the city to come up with a solution that pleases everyone.
Mayor Gettys noted the city has not started feeding through any offers made on the building yet. However, he said they will start looking at offers in April.
Contact Anna King at aking2@wcnc.com and follow her on Facebook, X, and Instagram.
How a South Carolina EV company's demise is disrupting Rock Hill's free bus service
Lamaur Stancil lstancil@postandcourier.comhttps://www.postandcourier.com/york-county/news/electric-bus-rock-hill-myride-repairs-proterra/article_4b91aaaa-ff9b-11ef-a82c-0b0a8fa71731.html
YORK COUNTY — She suffered a life-altering condition in 2019. At roughly the same time, a solution was in development.Pauline McCollough of Rock Hill was diagnosed with epilepsy that year, the same time the city started its free bus service, MyRide."Once I was about to park, and I had a seizure," McCollough said. "My mind knew what was happening, but everything else froze. I knew it was time to get serious. I needed to get off the ...
YORK COUNTY — She suffered a life-altering condition in 2019. At roughly the same time, a solution was in development.
Pauline McCollough of Rock Hill was diagnosed with epilepsy that year, the same time the city started its free bus service, MyRide.
"Once I was about to park, and I had a seizure," McCollough said. "My mind knew what was happening, but everything else froze. I knew it was time to get serious. I needed to get off the road."
McCollough, 40, made the transition to life as a non-driver, and the bus service helped facilitate that.
But she's about to take her last ride. Rock Hill announced one of its four bus routes, which takes McCollough from her home in the northern part of the city to downtown, will hit the brakes after the Easter weekend.
It's a decision prompted by the lack of reliability in its electric bus fleet, transportation officials said.
In 2023, the Greenville-based electric bus and charger maker Proterra declared bankruptcy. Rock Hill went from having the manufacturer nearby whenever parts or expertise were needed for repairs to not having access to either.
That story has played out across the state, plus other parts of the country. Proterra buses had been purchased by many municipalities. In Seneca, city leaders chose to cancel their free bus service — a partnership with the city of Clemson — last summer, for example, due to the lack of parts available to repair the buses.
In Everett, Wash., the city is trying to sell its Proterra fleet.
Proterra's assets were purchased by Phoenix Motorcars, a California-based electric vehicle company. Rock Hill officials said Phoenix hasn't been responsive to orders for replacement parts, which aren't available in the general market.
Phoenix officials could not be reached for comment.
Rock Hill officials spent a month gathering public feedback about the routes, including two public comment sessions in March.
"Limited access to necessary bus parts has impacted our ability to keep all full-sized buses in operation, requiring us to regularly use paratransit vehicles, limiting service reliability," city officials said in a statement. "Because these vehicles have reduced seating capacity and do not permit standing passengers, some riders have been unable to board. "
While there's a downside to reducing the routes, transit administrator Cliff Goolsby said providing a reliable service with the strained fleet is the goal.
Some residents asked if the city could switch to a fare system to save the route, but city officials said they aren't pursuing that option since the bus repair problem can't be solved with more income.
"The cost of implementing a fare system would outweigh any income generated due to the infrastructure costs associated with the new technology, equipment and accounting staff," according to the city statement.
McCollough, who is on long-term disability, said she's exploring other transportation options, such as York County Access, which, rather than a fixed-route system, provides a "ride-to-work" service and essential transportation for people who need to make it to doctor's appointments or the pharmacy.
Besides those types of needs, McCollough said she had been using MyRide to visit the York County Library and the YMCA. Her bus stop is a seven-minute walk from her home, with the ride taking her three miles.
"We have a writing group on Tuesdays at the library," she said. "That's helped me a lot."
She expects she'll take one more ride on April 19 to downtown Rock Hill for Easter weekend festivities.
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