Senior Medicare Advantage plan insurance in Rock Hill, 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 Rock Hill 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 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:
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 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:
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.
Latest News in Rock Hill, SC
Massive regional park, sports facilities coming to Rock Hill
City planners want the public's input on what amenities to include in the new 140-acre Southside Regional Park.ROCK HILL, S.C. — The City of Rock Hill wants public input on plans for a massive regional park.City planners are designing a 140-acre park with green space, trails, and sports amenities. The goal is to build something that will generate tourism dollars for the city.The Southside Regional Park will sprawl from Heckle Boule...
City planners want the public's input on what amenities to include in the new 140-acre Southside Regional Park.
ROCK HILL, S.C. — The City of Rock Hill wants public input on plans for a massive regional park.
City planners are designing a 140-acre park with green space, trails, and sports amenities. The goal is to build something that will generate tourism dollars for the city.
The Southside Regional Park will sprawl from Heckle Boulevard to the downtown area.
"It'll have a baseball component, it will be football, or what I will call rectangle fields," Parks, Recreation and Tourism Operations Supervisor Mark Sexton said.
Sexton told WCNC Charlotte that the park will partially be funded with the city’s hospitality tax, so it must generate tourism dollars.
"This is another opportunity for the City of Rock Hill to just continue to expand on [those] sports tourism opportunities, to have some amenities that we can continue to invite, you know, basically visitors and guests to our community," Sexton said.
According to Sexton, Rock Hill generated $80 million in tourism money last year. He said the future park will be another way to add to that when visitors come to town for sports tournaments and games.
"It's a win-win for everyone," Sexton said.
The project encompasses existing parks, like the Arcade Victoria Park, which will get needed upgrades.
"No kids come here like that no more," Rock Hill resident Michael Teasley told WCNC Charlotte. Teasley lives near the park and said it used to be filled with families but now it's quiet.
Jessica, another Rock Hill resident, who didn't share her last name, hopes the renovations will breathe new life into Arcade Victoria Park. "I just think it’d be really good, especially for this area," Jessica said.
Jessica also wants the public sports facilities to come with more youth programs.
"If they have more, I would say budget-friendly programs for the children to be able to do, it would keep a lot of kids out of the streets," Jessica said.
The entire project is estimated to cost more than $100 million.
Sexton said the city will design a plan over the next two years and wants the public’s input on what amenities to include. A community meeting was held on Tuesday and Sexton said more will be scheduled in the future.
Detectives say Clover contractor didn’t finish homes. Now he’s in jail on $1M bond
CLOVER — An investigation into a construction contractor’s business dealings continues to wrack up new charges against him.The York County Sheriff’s Office, along with state and federal officials, accuse Christian Joseph Novellino, 49, of Clover with several charges of breach of trust related to his resident home-building business, Constructing Up Homebuilders.Novellino was initially charged with seven counts on Dec. 4. Authorities have added 16 more counts since then, including four on Dec. 20, according to Y...
CLOVER — An investigation into a construction contractor’s business dealings continues to wrack up new charges against him.
The York County Sheriff’s Office, along with state and federal officials, accuse Christian Joseph Novellino, 49, of Clover with several charges of breach of trust related to his resident home-building business, Constructing Up Homebuilders.
Novellino was initially charged with seven counts on Dec. 4. Authorities have added 16 more counts since then, including four on Dec. 20, according to York County court records.
Novellino remained at the York County Detention Center with a $1 million bond as of Dec. 21.
Multiple victims raised concerns with the York County Sheriff’s Office regarding contracts made with Mr. Novellino and Constructing Up for the building of several residential homes.
Several property owners told detectives that minimal progress or no work was completed for their homes, and they weren’t refunded by Novellino for what they had paid.
“We are just now scratching the surface of the number of people affected by this investigation and this arrest,” York County Sheriff Kevin Tolson said in a statement. “We strongly feel there may be more people out there who were defrauded by Mr. Novellino and are committed to ensuring justice for all affected in this case.”
Sheriff’s Det. Edward Kimbrell continues to take calls from customers affected. He can be reached at 803-628-3059.
The York County Homebuilders Association recommends the following practices for people planning to have a home built.
• Visit the South Carolina Labor, Licensing and Regulation website to assure that your contractor is licensed to practice in the state as a residential builder.
• Make sure the builder has a permanent business location and a good reputation with local banks and suppliers.
NORTH CHARLESTON — An episode of the “Twilight Zone” ends with actor Art Carney’s character wishing he could play Santa Claus every year.
Timothy “Colorado” Davis has that same wish, and he was willing to lose his day job for it.
“Santa gives me the opportunity to be who I want to be,” the 60-year-old Chester County resident and Rock Hill native said. “I get to spread joy.”
Unlike the story told in the episode, “Night of the Meek,” Davis has needed much more than 30 minutes and a compact Hollywood script to make this dream happen. It also involved a write-in campaign in support of him as a Chester County school teacher.
Visitors to the Northwoods Mall in North Charleston will find Davis in his red-and-white hat and his thick white beard. He started his one-month stint as Santa on November 22 — by chance, his birthday. He’ll be there through Christmas Eve.
After Christmas, Davis said he was hoping he could return to his day job, teaching Earth science at Lewisville Middle School in Richburg in Chester County. Instead, he said he made a definitive choice to step away from the classroom for the temporary job as Santa.
He’s had a few opportunities to play Santa in recent years, including at a program for the Charlotte Symphony. This year, Davis wanted a longer stint as Saint Nicklaus and sought out a mall Santa job.
It would take a significant amount of time away from the classroom, however. Last summer, he said he notified the Chester County School District that he would need 17 school days off in November and December.
“I was willing to have my pay docked, I was willing to teach summer school, which I’ve done in the past,” Davis said. “I wish we could have worked something out.”
Months passed, and he did not receive approval for the time off.
On the approach to Thanksgiving, Davis said he was resolute about his commitment to becoming Santa. Prior to the Thanksgiving break, he let his students know he would be away when they returned after the break, and why he might not be back in class even after Christmas break.
Davis said he continued to communicate with the school district about returning to the job, but taking the time off unexcused meant he would likely be terminated.
“I understand it is a policy break,” he said. “I’m breaking that.”
He submitted his immediate resignation on November 29. He’d like to teach elsewhere, but his teaching license is in jeopardy based on how the district handles his resignation.
“Acceptance of a professional employee’s resignation is within the sole discretion of the superintendent and will be based upon the needs of the district,” wrote Wendell Sumter, Chester County assistant superintendent of human resources, in response to Davis’ resignation.
Davis said he may not know until the spring whether the resignation is accepted.
“When the superintendent does not accept a resignation and the employee fails to continue to perform his/her contractual duties,” Sumter’s letter continued, “the board may vote to report such breach to the state board of education and request that appropriate action be taken against the employee for unprofessional conduct. State law and state board of education regulation provide for the suspension or revocation of a professional certificate for a period of up to one calendar year under such circumstances.”
The district’s marketing and communications office confirmed Davis is no longer an employee.
Davis was disappointed he couldn’t get the time off approved. As it turned out, so were some of his students and their families.
In one case, Barbara Westbrook, grandmother of a few students at Lewisville, said she was compelled to start a Change.org campaign in mid-November to save Davis’ job.
“It struck me as so unfair,” said Westbrook, who was unfamiliar with the petition website but hopped on it nonetheless based on a recommendation. And she started it before she had even met the teacher.
As of December 15, more than 4,300 people had signed the petition.
“Mr. Davis is a well-loved teacher who brings science alive to his students with many hands-on experiences, indoors and outdoors,” Westbrook wrote in the petition.
“I knew some parents locally would make a fuss, but I never thought it would be this big a deal,” he said. “I never expected this to come about.”
The petition failed to keep Davis at Lewisburg Middle School. It succeeded at rallying many former students and acquaintances to voice their appreciation for the 33-year veteran instructor.
“I’m blessed that a lot of people have reached out,” he said.
Meanwhile, playing Santa is his outreach.
That episode of “The Twilight Zone” concludes with the main character getting his wish to be Santa Claus every year. One morning before his Santa shift, Davis said he rewatched the episode.
“I couldn’t pass this up,” Davis said. “I would love to make a living at this. I’m not the best Santa, but I’m the best I can be at being Santa.”
Rock Hill man second to plead guilty in largest-ever York SC fentanyl bust
A second South Carolina man has pleaded guilty in the biggest fentanyl bust in York County history after prosecutors say a secret drug lab was found near Lake Wylie close to the Charlotte border, court records show.Thomas Anthony Perry, of Rock Hill, faces 10 years to life in prison after pleading guilty to conspiracy to p...
A second South Carolina man has pleaded guilty in the biggest fentanyl bust in York County history after prosecutors say a secret drug lab was found near Lake Wylie close to the Charlotte border, court records show.
Thomas Anthony Perry, of Rock Hill, faces 10 years to life in prison after pleading guilty to conspiracy to possess with intent to distribute 400 grams or more of a mixture or substance containing a detectable amount of fentanyl, according to a plea agreement from the U.S. District Court in Columbia.
Perry, his lawyer, and federal prosecutors all signed the plea deal that was released publicly late Friday, records show.
A plea hearing is scheduled for Wednesday in front of federal judge Sherri Lydon, court records show.
Two defendants arrested in the case have now pleaded guilty, while two more still face charges days after a judge denied an attempt by one of the remaining defendants to suppress the drug seizure.
In October, Javaris Latrey Johnson of Clover pleaded guilty to the same charge as Perry.
Quonzy Lanard Hope and Timario Martez Gayton, both of Rock Hill, each have pleaded not guilty.
Police and federal agents seized 60-plus pounds of fentanyl from a Lake Wylie area mobile home that included 160,000 pills, according to federal documents and court testimony.
Police also found pill presses, guns, money, cocaine, methamphetamine, and heroin, court documents show.
At a news conference after the Lake Wylie seizure, U.S. Rep. Ralph Norman and Sen. Lindsey Graham and local officials said the fentanyl taken from the trailer was enough to kill the entire population of South Carolina.
Fentanyl is a synthetic opioid that is approximately 50 times more potent than heroin and 100 times more potent than morphine, according to the U.S. Drug Enforcement Administration (DEA). The DEA says fentanyl is inexpensive, widely available, highly addictive, and lethal.
All four defendants, including Johnson and Perry who have pleaded guilty, remain in federal custody.
Sentencing dates have not been set for Johnson and Perry.
A federal trial for Gayton and Hope could begin as early as January.
The four defendants also face South Carolina state charges from the same incident.
This story was originally published December 18, 2023, 9:48 AM.
Catawba River land could’ve been 1,000-home development. Now, it’ll be 600-acre SC park
A 600-acre state park along the Catawba River close to Rock Hill will allow the public to enjoy a natural preserve and ensure Catawba Indian Nation access to clay reserves vital to the tribe’s unique and internationally acclaimed pottery, officials say.The Catawba Nation and two other organizations on Tuesday announced land for the park has successfully been acquired.The South Carolina state park along...
A 600-acre state park along the Catawba River close to Rock Hill will allow the public to enjoy a natural preserve and ensure Catawba Indian Nation access to clay reserves vital to the tribe’s unique and internationally acclaimed pottery, officials say.
The Catawba Nation and two other organizations on Tuesday announced land for the park has successfully been acquired.
The South Carolina state park along a mile of the river will be in Lancaster County, across the river from the tribe’s reservation in York County outside Rock Hill, officials from the Open Space Institute said in a statement. The institute had announced plans for the park and preservation of culturally significant Native American resources earlier this year, The State newspaper reported.
The property will be held by the Open Space Institute until South Carolina is prepared to accept the land as a donation, the statement said. No date for the park’s opening has been released.
The property includes more than 150 acres of riverfront and the Nisbet clay pits, officials said. The purchase was made possible by the Nisbet family, who donated most of the land value, the statement said. The family has owned the property for more than 100 years, the statement said.
The Open Space Institute acquired the Nisbet property with funding from the South Carolina Conservation Bank, the Arras Foundation, the Knobloch Family Foundation, Lancaster County and Duke Energy, officials said. The purchase price of the property was not released.
The property at one time was set to be developed into a 1,000-home residential housing tract, but the park will keep public access to nature.
Catawba Indian Nation pottery is known worldwide for its unique style and use of area clay. Members of the tribe have lived in the area for at least 6,000 years.
The Nisbet clay reserves will remain part of the tribe’s culture because of the state park plans, Catawba Executive Committee member Roo George-Warren said in a statement.
“Working with Open Space Institute, the Nisbet family, and S.C.State Parks to ensure this site is preserved and accessible to our artisans while protecting and promoting the natural beauty that surrounds it is an important step in creating a region that honors and protects all of its people,” George-Warren said.
The land acquisition was lauded by officials from Lancaster County, the state and the other groups that worked together.
The property has a bluff along the river, the Nisbet clay vein, forest and many wildlife and plant species.
The announcement comes after the Catawba Nation was awarded a $4.8 million Department of Interior grant in November to preserve and conserve areas on the York County side of the river on the reservation. That federal money will be used to for construction and plant projects, including re-establishing cane breaks of indigenous river cane that are vital to Catawba crafts and customs.
This story was originally published December 19, 2023, 4:01 PM.
Rock Hill, South Carolina, Transforms Into ChristmasVille Every Winter
And you'll never guess what it's called.Rock Hill, South Carolina, takes Christmas so seriously, that for four days during the holiday season, it changes its name to ChristmasVille. Right after Thanksgiving, this historic city becomes a winter wonderland complete with all the festive trimmings required to kick the holiday season off right. ChristmasVille...
And you'll never guess what it's called.
Rock Hill, South Carolina, takes Christmas so seriously, that for four days during the holiday season, it changes its name to ChristmasVille. Right after Thanksgiving, this historic city becomes a winter wonderland complete with all the festive trimmings required to kick the holiday season off right. ChristmasVille is inspired by the whimsical illustrations of Rock Hill native Vernon Grant, who, among other things, is credited with the creation of Kellogg's Rice Krispies Snap! Crackle! and Pop! characters. See why this enchanted town is the place to kick off the holiday season.
Welcome the Big Guy to Town
Every year since 2006, ChristmasVille has come alive with the help of nearly 300 volunteers to transform the city's "Old Town" into an enchanting storybook village with nearly 70 events for kids big and small. The festival kicks off with—what else?—the arrival of Santa at the opening ceremony.
Celebrate with the Coziest Christmas Activities
This band of Santa's helpers ensures that the weekend is packed with all your favorite cozy Christmas activities. Admiring the cute cookie cottages at the gingerbread house competition, skating on Main Street's ice rink, taking a horse-drawn carriage ride, gazing at more Christmas lights than you can count, and even walking through falling snow.
Fast-Track Your Letter to Santa
ChristmasVille's Head Gnome (his name is Grant) even sets up an official red and white mailbox exclusively for letters to Santa. More activities that are especially for kids include craft workshops, scavenger hunts, rides, and inflatables.
Enjoy Holiday Entertainment All Weekend
Carolers, bands, a performance of A Christmas Carol, outdoor movie screenings, and even strolling ukulele players keep everything festive. (Better start planning your Christmas karaoke song.) And don't leave ChristmasVille early—the weekend is topped off by a fireworks show.
Discover Unique Christmas Gifts
Shop for unique hand-crafted items at the ChristmasVille Gift Market, and while you're in town, be sure to explore downtown's other eclectic boutiques like Overhead Station, The Mercantile, and Southern Fried Chics.
Find More to ChristmasVille Than Christmas
While you're in ChristmasVille aka Rock Hill, be sure to visit its special places like The White Home, the historic house (you'll love the charming porches) of the founder of Rock Hill. The Museum of York County is great for the whole family with its Settlemyre Planetarium and hands-on Naturalist Center. Stroll the footbridges and trails at Glencairn Garden where even in winter you’ll find camellias and winter honeysuckle on display.
Satisfy your hunger along Main Street at Ay Papi Tacos and Tequila, a Mexican-fusion restaurant featuring a from-scratch menu with specials like chipotle-glazed pork belly street tacos. Step out of the cold and grab a wood-fired pizza and a pint at Millstone Pizza and Taphouse while enjoying live music on Fridays. End the weekend with a meal at Kounter, housed in a former five-and-dime that was the site of Civil Rights Movement sit-ins. On the menu, you’ll find fun farm-to-table dishes like the Cubano Breakfast Bowl for brunch and Spaghetti o’s and Meatballs for dinner.