Senior Medicare Advantage plan insurance in Seabrook Island, 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 Seabrook Island or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Seabrook Island, SC

Guiding You Through The Confusion of Medicare!

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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:

 Senior Medicare Advantage Plan Insurance Seabrook Island, SC

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:

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 Seabrook Island

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:

 Senior Medicare Plans Seabrook Island, SC

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 Seabrook Island 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 Seabrook Island, 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:

 Medicare Plans Seabrook Island, SC

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.

 Senior Health Insurance Seabrook Island, SC

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 Seabrook Island. 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
 Healthcare Seabrook Island, SC

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.

 Burial Insurance Seabrook Island, SC

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.
 Medicare Advantage Seabrook Island, SC

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.

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10 of The Best Charleston SC Beaches for a Sunny Escape!

June 6, 2023 0 Comments Beach Tips, Best Beaches in The World, Boating, ...

June 6, 2023 0 Comments Beach Tips, Best Beaches in The World, Boating, Destinations

Charleston South Carolina is known for its coastal Southern charm and historical architecture but did you know the beaches near Charleston, South Carolina are worth a visit as well?

Get ready to explore some of the most stunning beaches near Charleston, SC! The beautiful coastlines and pristine shores are perfect for a relaxing vacation or a fun-filled day trip. With so many Charleston SC beaches to choose from, it can be hard to decide which one to visit.

To help you find the perfect beach for your next adventure, we’ve compiled a list of the top 10 Charleston SC beaches, complete with details on their unique features, distance from downtown Charleston, and available activities. So, grab your sunscreen, pack a towel, and let’s dive into the mesmerizing world of Charleston SC beaches!

Table of Contents

1. Folly Beach: The Eclectic Beach Community

How far is Charleston from Folly Beach?

Located just 12 miles and a 30-minute drive from downtown Charleston, Folly Beach is the closest beach town to the city. This eclectic beach community is popular among surfers, college students, and vacationers alike.

With approximately six miles of shoreline, Folly Beach offers a wide range of activities and attractions. Take a leisurely stroll along the beach, hunt for seashells, or watch a breathtaking sunset from the fishing pier.

Folly Beach is an oceanfront community known as the “Edge of America” and is home to the East Coast’s second-largest fishing pier and some of the best waves on the South Carolina coast.

Serious surfers will love “The Washout,” a stretch of coast known for its exceptional waves. After a day of riding the waves, unwind at one of the many colorful and funky restaurants and bars along Center Street, such as Taco Boy and Rita’s Seaside Grille.

2. Sullivan’s Island Beach: The Charming Barrier Island

How far is Charleston from Sullivan’s Island Beach?

Sullivan’s Island Beach is a popular beach, only 9 miles and about an hour and a 20-minute drive from downtown Charleston, making it a convenient option for a beach getaway.

This 3-mile-long barrier island boasts a charming and laid-back atmosphere, perfect for those looking to escape the hustle and bustle of city life.

The private beachfront community on the northern tip of Sullivan’s Island is the least commercialized of the area’s beaches and is home to the unique Sullivan’s Island Lighthouse. Free parking is available along the streets leading up to the bridge.

Sullivan’s Island is also rich in history, with a Revolutionary War fort and the iconic lighthouse adding to its appeal. And if you’re feeling peckish after a day on the white sand beaches, indulge in a delicious burger at Poe’s Tavern on Middle Street.

3. Isle of Palms Beach: A Family-Friendly Paradise

How far is Charleston from Isle of Palms Beach?

Isle of Palms Beach is 17 miles and a 40-minute drive from downtown Charleston.

This relaxing beach community is located just 12 miles from downtown Charleston and offers 6 miles of pristine coastline.

Isle of Palms is the perfect spot for a family vacation, with public restrooms, available parking, and plenty of restaurants, bars, and shops nearby.

The island also features a county park, a fishing pier, and a sand volleyball court, ensuring that there is no shortage of fun activities for the whole family. Paddle the intercoastal waterway from Isle of Palms, where you may encounter dolphins and explore the hidden coves and marshes.

4. Kiawah Island Beach: A Tranquil Retreat

How far is Charleston from Kiawah Island Beach?

Kiawah Island Beach is 28 miles and a 50-minute drive from downtown Charleston.

Kiawah Island is one of the least developed and natural beaches in the area, boasting 10 miles of white sand beaches and preserved maritime forests and marshes.

The tranquil atmosphere and stunning scenery make it an ideal spot for those looking to escape the crowds and reconnect with nature.

The only public beach access on Kiawah Island is located at the county park, Beachwalker Park, which is well worth the visit. If you’re looking to stay on the island, consider renting a house or villa or booking a stay at the Sanctuary, the kiawah island itself’s luxurious oceanfront hotel.

5. Seabrook Island Beach: An Exclusive Getaway

How far is Charleston from Seabrook Island Beach?

Seabrook Island Beach is 25 miles and a 45-minute drive from downtown Charleston.

Seabrook Island is a private beachfront community just thirty minutes from downtown Charleston.

This exclusive island, nestled between the Atlantic Ocean and the Edisto River, boasts nearly four miles of the widest beaches in South Carolina.

As an Audubon International Cooperative Sanctuary, Seabrook Island is home to a variety of wildlife, including foxes, bobcats, deer, sea turtles, and bottlenose dolphins.

Access to the private island that’s nearly 4 miles of unspoiled beaches is private to residents and rental guests only, so be sure to book your stay in advance.

6. Edisto Island Beach: A Pristine Escape

How far is Charleston from Edisto Island Beach?

Edisto Island Beach is 45 miles and a 1-hour drive from downtown Charleston.

Edisto Beach is one of the few non-commercialized beaches left in South Carolina. The 4.5 miles of pristine beach are usually less crowded than other beaches in the area, making it an ideal destination for those seeking tranquility and natural beauty.

Visitors can enjoy swimming, hunting for shells and sharks’ teeth, or fishing at Edisto Beach State Park. After a day of outdoor adventure, dine on sumptuous seafood at Waterfront Restaurant or savor tasty tacos at McConkey’s Jungle Shack.

7. Bulls Island: A Wild and Untouched Paradise

How far is Charleston from Bulls Island?

Bulls Island is 45 minutes away from downtown Charleston and is only accessible by ferry.

This untouched barrier island offers a truly unique and wild beach experience. A guided paddling tour is the perfect way to explore the island’s diverse ecosystem, observe the abundant birdlife, and perhaps even spot a playful dolphin.

Bulls Island is home to the awe-inspiring Boneyard Beach, where a forest is being reclaimed by the sea. You can also track foxes, bobcats, and deer as you wander through the island’s untouched island landscape.

8. Morris Island: A Picturesque Island Retreat

How far is Charleston from Morris Island?

Morris Island is just minutes from Charleston and is only accessible by boat.

Hunt for shells and fossils near the candy cane-striped lighthouse on this uninhabited island. Visitors can choose from several tour options, with boat tours including a 55-foot power catamaran for the more adventurous traveler.

Photography enthusiasts can capture stunning views of the lighthouse from the shores of Folly Beach. Morris Island offers a peaceful and secluded escape from the bustling city life of Charleston.

9. Pawleys Island: A Serene Barrier Island

How far is Charleston from Pawleys Island?

Pawleys Island is a bit further from Charleston compared to other beaches but is still worth the drive.

This coastal barrier island offers a slow-paced atmosphere and packs a lot into its four-mile stretch. Explore the salt marsh that separates the island from the mainland in a canoe or kayak, or settle in for a day at the public beach, with shelling, fishing, and crabbing opportunities. This is one of South Carolina’s great family friendly beaches near charleston sc.

Sign up for surfing lessons near Pawleys Island Pier and ride some of the best waves in the area.

10. Capers Island: An Undeveloped Gem

How far is Charleston from Capers Island?

Capers Island is located a short distance from Charleston and is only accessible by chartered, boat ride or kayak.

This undeveloped island is home to a diverse ecosystem and offers unique experiences for nature lovers. Walk along the beach and discover tide pools, hike the island to see gators and deer in their natural habitat, or paddle along the shores to observe jellyfish and crabs. This might be your new favorite best beach!

With its untouched beauty, pristine beaches and serene atmosphere, Capers Island is the perfect destination for those seeking a peaceful retreat away from the crowds.

The best Charleston SC beaches offer a wide variety of experiences and activities for all types of travelers. Whether you’re seeking a family-friendly getaway, a tranquil retreat, or an adrenaline-pumping adventure, the beaches near Charleston have something for everyone.

So, pack your bags and embark on a journey to explore the beautiful Charleston SC beaches and create unforgettable memories!

Do you have any other Charleston SC beaches we missed you think we should add to the list?

Editorial: Seabrook Island, other beach towns, should respect Johns Island growth boundary

There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town’s northern limits.The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangero...

There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town’s northern limits.

The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangerous precedent it would set, a precedent that would erode the rural character of southern Johns Island.

Decades ago, local governments, led by the city of Charleston and Charleston County, agreed on an urban growth boundary across Johns Island and other areas. The big idea was to ensure their zoning and other policies were synchronized to allow suburban development to continue to spread, but only up to a point, beyond which the existing rural nature would be preserved. The boundary has generally worked well, but as with so much other conservation work, it needs to be embraced and reaffirmed by each new generation.

Seabrook Island’s potential move would mark one of the first and most dramatic annexations by a municipality into the rural portion of the island; if it succeeds, it almost assuredly wouldn’t be the last, and it could hasten the unraveling of the boundary line — and increase development pressures on the shrinking amount of land on the rural side of the boundary.

Robby Maynor of the Coastal Conservation League agrees that annexing and rezoning this property on the rural side of the urban growth boundary would set a disastrous precedent on the county’s Sea Islands and could lead to annexation battles such as those that are playing out along the most rural stretches of the upper Ashley River, whose rural historic district remains in jeopardy from encroaching homes, stores and the traffic they bring. Approving the marina project would be “like kicking an anthill and hoping you don’t get bit,” he says.

The case that the property’s owner and other supporters have made for the annexation is that it would give Seabrook Island future control of the site and limit future development there, according to reporter Warren Wise. But the proposal appears to us as designed to facilitate development, not to curb it. Annexing the site, which is next to Bohicket Marina, would allow it to tie into the town’s sewer system.

Unfortunately, Seabrook Island’s Planning Commission has recommended annexing the site and rezoning it for a mixed-used development. We urge Town Council members to reject that move when they consider the matter Aug. 22.

As Mr. Wise noted, the project is a scaled-down version of a 30-year-old Andell Harbor project that state environmental regulators rightly and mercifully rejected. While this is smaller, with only about 4 acres of development near the creek and the rest set aside for open space, it still would represent an unwelcome and disturbing encroachment into the rural area between the barrier islands of Kiawah and Seabrook and the suburban growth from the city of Charleston.

Last year, we urged elected officials, neighborhood leaders and planners with Charleston County and the two beach towns to come up with a mutually agreed-upon overlay for their shared area at the southern tip of Johns Island. That overlay should guide future development toward the kinds of uses — and the sizes and scale — residents of all three jurisdictions would most like to see, and help address growing real estate pressures in a way residents prefer. We repeat the call for regional cooperation, and Seabrook Island’s rejection of this annexation would be an important first step.

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Plans for yacht club concerns sea island residents

SEABROOK ISLAND, S.C. (WCSC) - The potential for a new yacht club and several docks on Seabrook Island is concerning Sea Islanders and environmental advocates.Town of Seabrook leaders discussed those plans Wednesday, which would include the annexation of a portion of Charleston County into Seabrook island.The town’s planning commission voted 4-1 to recommend moving forward with the annexation to the town council.The nearly 18-acre site, called the “Andell Tract,” sits between Bohicket Marina and Betsy K...

SEABROOK ISLAND, S.C. (WCSC) - The potential for a new yacht club and several docks on Seabrook Island is concerning Sea Islanders and environmental advocates.

Town of Seabrook leaders discussed those plans Wednesday, which would include the annexation of a portion of Charleston County into Seabrook island.

The town’s planning commission voted 4-1 to recommend moving forward with the annexation to the town council.

The nearly 18-acre site, called the “Andell Tract,” sits between Bohicket Marina and Betsy Kerrison Parkway on Johns Island.

the plan includes a private Yacht Club and amenities such as a boat house, pool house and detached hotel containing 10 two-story cottages, according to town documents.

It also has public spaces including a boardwalk, pathways and a community crabbing dock.

Dana Beach, the founder of the Coastal Conservation League, said his two main concerns about the proposal are the environmental impacts on the water, and the crossing of Charleston County’s Urban Growth Boundary.

He said if The Town of Seabrook annexes this portion of Charleston County into their town for development, it could set a precedent for other local municipalities to do the same.

“The town may say ‘this is only a 20-acre parcel that in itself isn’t a big deal,” Beach said. “That’s what Charleston could say if it wanted to coming down from the north, that’s what Kiawah could say as it comes in from the East, even Folly Beach could say that.”

Robby Maynor, the Communities and Transportation Program Director for Coastal Conservation League echoed Beach’s point while addressing the planning commission at Wednesday’s meeting.

“There is an ongoing effort for collaboration between the municipalities on the sea islands to reaffirm that growth boundary to help strike a balance between development and preservation, this annexation would be a step in the wrong direction,” Maynor said.

The majority of the 544 written comments and 10 in person comments were against the development, although some community members spoke in its’ favor.

“I believe a Yacht Club is an amenity that fits perfectly within our diverse group of people,” Seabrook resident, Jackie Helline, said.

Mike Shuler, the Owner and Managing Partner for Bohicket Marina Investors, said he respectfully disagrees with the fear that this annexation may set a precedent for other municipalities to cross Charleston County’s Urban Growth boundary.

“What we are annexing is part of Seabrook’s comprehensive plan. Whether it crosses an Urban Growth Boundary, in my opinion, isn’t relevant here,” Shuler said. “Not to mention, further expansion beyond the property we are contemplating here is not possible because of conservation easements that are in place.”

Copyright 2023 WCSC. All rights reserved.

The 4 Most Snake-Infested Rivers in South Carolina

South Carolina is known for its barbecue, warm temperatures, and welcoming beaches. But did you know that it’s home to plenty of different species of snakes? The hot, humid climate, combined with the marshy, wet areas and grasslands that make up the Low Country, make an excellent home for serpents. The Piedmont, the hilly region at the edge of the Blue Ridge Mountains, also contains plenty of snakes. ...

South Carolina is known for its barbecue, warm temperatures, and welcoming beaches. But did you know that it’s home to plenty of different species of snakes? The hot, humid climate, combined with the marshy, wet areas and grasslands that make up the Low Country, make an excellent home for serpents. The Piedmont, the hilly region at the edge of the Blue Ridge Mountains, also contains plenty of snakes. South Carolina has 38 different species of snakes, and they’re all native to the state! Let’s take a look at which rivers are home to the most snakes.

1. The Savannah River

The Savannah River is home to plenty of different species of snake. One dangerous serpent you might find here is the Copperhead. This species is the most venomous snake in the state. You can tell the Copperhead apart from others by its brown hourglass crossbands and over a pinkish or tan-colored background. These snakes enjoy the mountains as well as coastal hardwood floors.

They tend to live in grasslands, rolling pine hills, sandy coasts, and longleaf pine flatwoods. This means you might come across one at any point. The Savannah River, which borders Georgia, is home to these snakes and rat snakes. The black rat snakes have a telltale hint of white along their scales and are found in the mountains and Piedmont regions of central Georgia and South Carolina. You can find yellow rat snakes along the coast, and gray rat snakes tend to live in the Savannah River in Southern South Carolina.

2. The Pee Dee Rivers

The Little Pee Dee and Great Pee Dee rivers are home to the brown watersnakes. They’re various shades of brown with dark brown square blotches and a lighter belly. Though they tend to roam the Pee Dee rivers, you could come across one of these anywhere in the state. They enjoy life in flowing water, so rivers are their favorite spots. They’re very common snakes and are fantastic swimmers! Their bites are known to be especially painful, though they aren’t venomous.

3. The Edisto River

Another harmless snake you might come across is the Garter snake. They’re well-adapted to living around people and can often be found in city parks, as well as suburban lawns and gardens. While it’s rare for them to bite, they will defecate and release a foul smell to defend themselves!

The Edisto River makes its way through a large part of the Lowcountry in South Carolina. Much of it is wet and marshy, making it a great home for serpents. Cottonmouths can also be found in palmetto thickets, pine forests, dune areas, and prairies, as well as slow-moving streams, swamps, marshes, ponds, and rivers. This snake is incredibly dangerous and venomous. They vibrate their tails and expose the white interior of their mouths when they hiss.

4. The Broad River

Besides brown watersnakes, you will likely come across banded and northern watersnakes in the Broad River. You might also see Queen snakes, commonly confused with watersnakes due to similar coloration. Unlike watersnakes, though, these won’t typically bite you! Though banded watersnakes aren’t venomous, they give off an awful stench when threatened. Northern watersnakes make up the majority of these species found here and are often confused with copperheads due to the dark brown or reddish bands and blotches on their backs.

The photo featured at the top of this post is © Michiel de Wit/Shutterstock.com

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Planned yacht club advances after Seabrook Island board OKs annexation, land use change

SEABROOK ISLAND — Three decades after a plan to create a 400-slip marina through a canal and lock project on Johns Island was rejected, a scaled-down proposal calls for a private yacht club on nearly 18 acres in the same general area on Bohicket Creek.Conservationists and several area ...

SEABROOK ISLAND — Three decades after a plan to create a 400-slip marina through a canal and lock project on Johns Island was rejected, a scaled-down proposal calls for a private yacht club on nearly 18 acres in the same general area on Bohicket Creek.

Conservationists and several area residents oppose the development called Andell, but Seabook Island’s Planning Commission voted 4-1 on July 12 to recommend annexing the site and zoning the property for a mixed-used development. Town council will have final say.

Bohicket Creek Investors LLC of Charleston wants to build a boat dock with a private clubhouse, boathouse and poolhouse along with outdoor amenities and 10 rental cottages for members and the public at 4484 Betsy Kerrison Parkway.

“Annexing gives Seabrook future control of the site,” said Mike Shuler, the property owner’s principal and managing partner. “It will substantially limit future development of the site.”

The property, currently zoned for agricultural and residential use in unincorporated Charleston County, would allow “a variety of agricultural and light industrial uses ... which could have significantly greater impact on the existing natural features than the proposed development,” according to the town’s planning staff, which recommended conditional project approval.

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Among those opposing the project is the Coastal Conservation League.

Robby Maynor, the Charleston-based environmental group’s communities and transportation program director, said the project is outside the region’s “urban growth boundary” and called the proposed development “a step in the opposite direction” of protecting rural acreage.

He also cited potentially adverse effects from pollution runoff into Bohicket Creek, increased boat traffic and encroachment into critical habitat areas.

A half dozen others cited similar concerns before the Planning Commission’s vote. The board also noted it had received more than 500 comments about the proposal with the vast majority in opposition.

Proponents of the project said that the property’s current zoning allows multiple uses than what’s being proposed, that the town will have more control over the property if it is annexed and that the development will provide recreational opportunities.

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The project’s name is similar to a proposed development from 30 years ago called Andell Harbor that called for a massive earth-moving operation with a man-made channel connecting to a large marina. State environmental regulators eventually nixed the idea in the mid-1990s.

The yacht club site is beside Bohicket Marina, which also is owned by Shuler’s group, and the two would be connected by a boardwalk and road. The planned entrance to the new development is across from Kiawah Island Town Hall.

Cottages would flank both sides of the drive leading to the yacht club.

Plans show the development on about 4 acres of the site near the creek. The rest of the property would be set aside as open space, including a 75-foot wooded buffer next to the parkway and a 20-foot vegetated area next to the northwest parcel in the county.

The site also would include a public boardwalk, pathways and a community crabbing dock.

Bohicket Creek Investors bought the tract in 2021 for $5.6 million, according to Charleston County land records. Nearby properties include Freshfields Village Shopping Center.

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