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Health Insurance Plans Made Easy and Affordable
Trying to find the right health insurance plan for you or your family can be a complex, often difficult task. Just trying to find the best carrier can be stressful and confusing on its own. That is why the Health Insurance Solutions was founded - to take the stress and confusion out of the health insurance process. Our goal is to help hardworking men and women find the best protection for their unique needs.
Unlike some health insurance brokers, we make every effort to learn about the kind of health insurance you really need. When you speak with an agent from The Health Insurance Solutions, know that we will never try to upsell you on a plan that you can't afford. Instead, your knowledgeable, helpful health insurance agent in Daniel Island will help you navigate the uncertain waters of the health insurance world. Once we understand the health insurance plan you need, we will explore your options. That way, you can leave our conversation feeling informed about your health insurance options and confident that you are making the best choice possible.
We are proud to have served people just like yourself for more than 15 years at the Health Insurance Solutions. We have helped countless individuals, families, and business owners find the coverage they need at a price that won't send them into bankruptcy. If you know that you need health insurance but don't know how to start or what to look for, we've got good news - you're in the right place.
Service Areas
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in Daniel Island provides, we should address the elephant in the room. Everyone regardless of age or health, can benefit from a health insurance plan. Even the healthiest of people want to maintain their health and have protection in the event of a catastrophe. One of the best ways to stay healthy and plan for unexpected events is to visit your doctor for an annual check-up. When you have a health insurance plan, these visits are often fully covered by your insurance carrier when you choose an in-network doctor. Without health insurance, you will be responsible for the full cost of any medical care - even routine check-ups with your primary care physician. If something horrible happens, and you don't have health insurance, you may have to pay the full amount for the emergency care you receive. Even young, healthy individuals can benefit from the right health plan. After all, nobody plans on getting sick or injured, but bad things can happen to anyone. Something unexpected like a broken leg can cost more than $7,000 to treat when you don't have coverage. A three-day stay in a hospital can cost upwards of $30,000. That can be an incredible amount of money to pay out of pocket. Having a health insurance plan set in place can help you get quality care at a much more affordable price, especially if something unforeseen happens.
Who We Serve
At the Health Insurance Solutions, our mission is to educate and empower our clients so that they can get the best access to medical care possible. Because everyone has their own unique set of needs when it comes to health plans, we serve a wide range of clients.
Individuals
Individual plans, also called personal health plans, are health insurance policies that you can purchase solely for yourself. When you work with Health Insurance Solutions, your health insurance agent in Daniel Island will go over your health plan options and help find the best fit for your needs. Individual health plans are not tied to your employer, so you can make a career change without having to worry about losing your health insurance. For individual plans, we offer major medical, short-term, and fixed benefit plans that include life, dental, vision, and other coverage options.
Families
Finding the right health plan for your family can be a real challenge, but our experienced health insurance agents are here to help. We understand that not all members of your family will have the same needs. To help your family get the best coverage possible, we search for custom plans that will meet each of your family members' needs. Whether you're looking for major medical coverage or fixed-benefit plans with no deductibles, our experts are here to serve you. Common coverage options include vision, dental, life, STD and LTD, long-term care, and more.
Self-Employed
Entrepreneurs have their own set of needs in terms of health plans and how much they can afford to spend on coverage. Once thought of as a small percentage of the workforce, 57 million Americans freelanced in 2019 alone, according to the Upwork and Freelancers Union. If you are a consultant, independent contractor, or freelancer, the Health Insurance Solutions will find a plan that caters to your current needs and future endeavors. Common health insurance plans for self-employed people include vision, life, dental, and stand-alone prescription coverage. We also offer major medical, supplemental, short-term, and fixed-benefit plans at a range of prices that you can afford.
Small Business
Offering health insurance to your employees is one of the best ways to keep your team happy and attract diligent workers to your company. If you are a business owner who wants to provide health insurance to your employees but cannot do so because the cost of benefits is too high, worry not. Our experienced health insurance agents will work directly with your employees to help them find the coverage they can afford. We also offer hybrid plans that can be customized so that both you and your employee's needs are met. Whether you need a major medical package or voluntary benefits only, the Health Insurance Solutions has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.
Travelers
If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler's insurance can help minimize expensive cancelation fees and costs.
Most Popular Types of Coverage
Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions, we will provide you with a trusted health insurance agent in Daniel Island to help you choose the best plan for your budget.
Here are a few of the most popular types of coverage that our clients ask about:
Major Medical
This type of insurance covers minimum essential benefits and meets the standards of the ACA for family and individual coverage. Major medical insurance is a fantastic option to choose if you want to be sure all of your medical expenses are covered. Major medical plans usually cover ten essential benefits:
- Outpatient Procedures or Ambulatory Care
- Hospitalization
- Check-Ups and Preventative Care
- Prescription Medications
- Emergency Services
- Pediatric Care Services
- Laboratory Services
- Newborn and Maternity Care
- Addiction Counseling and Mental Health Care Services
If your goal is to cover a full range of care, major medical plans are often the best choice. We recommend you contact our office today to learn more about the major medical plan options available to you. As a licensed, private health insurance broker in Daniel Island you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.
DENTAL
From basic cleanings to complex procedures like root canals, dental work can be awfully expensive. When you have dental insurance, you will have peace of mind knowing that you won't have to pay for your procedure out of pocket. In general, a quality dental insurance policy will cover some or all of the following:
- Routine cleanings and checkups (copay may be required)
- X-Rays
- Filling Cavities
- Bridges, Implants, and Crowns
- Root Canals and Repair Work
- Emergency Services Oral Surgery, etc.)
It should be noted that some types of dental equipment and services may be covered at higher levels of coverage. While preventative work like cleanings is typically covered, some procedures require out-of-pocket costs.
VISION
Usually purchased as an addition to your medical insurance, vision insurance helps cut back on costs associated with eye care Like dental insurance, vision insurance is great if you know that you will regularly visit the eye doctor or just want to protect yourself for a "worst case scenario." In general, a quality vision plan will cover some or all of the following:
- Routine Eye Exams
- Medical Eye Care
- Vision Correction Products (Eyeglasses, contacts, etc.)
- Surgeries for Vision Correction (LASIK, etc.)
It should be noted that not all types of vision insurance will cover medical issues related to eye care. For instance, if your optometrist discovers a medical problem during your eye exam, they may refer you to a different doctor. While vision insurance may not cover all eye-related medical services, major medical health insurance often does.
LONG-TERM CARE
It might be hard to imagine at this stage of your life, but as you age, there is a chance that you will need long-term care services. The question is, how will you or your loved ones pay for this kind of care? Many people choose to eliminate the burden of senior care by purchasing long-term care insurance. Services like meal preparation, medication assistance, and help with day-to-day activities like bathing are not covered by regular health insurance plans. Long-term care insurance will help you or your children lessen the expense of care when you have chronic medical conditions, dementia, or disabilities. When you speak to one of our health insurance agents, ask if you can purchase a policy that reimburses you when you receive care in the following locations:
- Routine cleanings and checkups (copay may be required)
- In a nursing home
- In your own home
- In an assisted living center
- At a long-term residential senior facility
Expert Help Is Only a Phone Call Away
We call ourselves the Health Insurance Solutions because we are committed to finding you the best, most affordable options for your health insurance needs. We work with all the major insurance carriers, such as:
- Aetna
- Advent Health
- United Healthcare
- National General
- Humana
- Transamerica
- Many More
Unlike some health insurance brokers who only care about making a sale, we don't view you as a financial transaction. We believe that serving others never goes out of style. That's why we prefer to educate you on your health coverage options so that you can make an informed decision. As your health insurance agent in Daniel Island, we would be honored to help you seek out a plan that is the perfect fit for your life. You will receive the same excellent level of service whether you are a business owner with employees or a single individual.
When you're ready to protect yourself and your family with quality health insurance, we will be here to help guide you along the way. Contact us today so that we may discover your insurance needs and provide you with a quality insurance solution that will give you peace of mind for years to come.
Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in Daniel Island, SC
Point Hope growth continues
thedanielislandnews.comhttps://www.thedanielislandnews.com/news/point-hope-growth-continues
Multiple developments planned along Clements Ferry RoadHere are the developments before the various City of Charleston boards and committees this week, as well as results, if any, from the prior week’s items specific to Daniel Island and the Cainhoy area.More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMING: TECHNICAL REVIEW COMMITTEEOct. 24: The Point Hope Parkway North – Phase 1. New spine road for Cainhoy North on 26.5 acres, located at 1698 Cleme...
Multiple developments planned along Clements Ferry Road
Here are the developments before the various City of Charleston boards and committees this week, as well as results, if any, from the prior week’s items specific to Daniel Island and the Cainhoy area.
More detailed agendas and results can be found at charleston-sc.gov/agendacenter.
UPCOMING: TECHNICAL REVIEW COMMITTEE
Oct. 24: The Point Hope Parkway North – Phase 1. New spine road for Cainhoy North on 26.5 acres, located at 1698 Clements Ferry Road in Cainhoy. TMS: B2620000028 Owner: Cainhoy Land & Timber Applicant: Thomas & Hutton Engineering. Contact: Steven Roach, roach.s@tandh.com.
Oct. 24: Point Hope Pod 4 - Phase 2. New single-family development on 45.4 acres, located at 1472 Clements Ferry Rd. in Cainhoy. TMS: B2620000028. Owner: Pulte Home Company LLC. Applicant: Thomas & Hutton Engineering. Contact: Brian Riley, riley.b@tandh.com.
Oct. 24: Point Hope Townhomes (Ashton Residential) New townhome development on 42 acres, located at 1730 Clements Ferry Road in Cainhoy. TMS: B2620000028. Owner: Ashton Charleston Residential, LLC. Contact: James Thomas, Thomas.j@tandh.com.
Oct. 24: Restore at Point Hope Phase 1. (Point Hope Mixed Use- North) New single-family attached and detached residential development, on 91.82 acres, located at 1472 Clements Ferry Road in Cainhoy. TMS: B2620000028. Owner: The Berry Company. Applicant: Thomas & Hutton Engineering. Contact: Domonic Jones, jones.d@tandh.com.
Oct. 24: Cainhoy Del Webb. Proposed new amenity center on 8.9 acres, off of Clements Ferry Road in Cainhoy. TMS: B2620000064. Owner: Pulte Home Company LLC. Applicant: Thomas & Hutton Engineering. Contact: Steven Roach, roach.s@tandh.com
UPCOMING: BOARD OF ZONING APPEALS – SITE DESIGN
No items pertaining to Daniel Island or Cainhoy.
RESULTS: TECHNICAL REVIEW COMMITTEE
Oct. 17: The Waterfront Phase 3 - Public Roads. Major development plan for 1.63 acres at 515 Helmsman St. on Daniel Island. Review changes to previously approved TRC plans. TMS: B2750000114 Owner: Parcel R Phase 2 Invest Co LLC Applicant: Thomas & Hutton Engineering. Contact: Brian Riley at riley.b@tandh.com. Results: Open pending stormwater review.
RESULTS: BOARD OF ZONING APPEALS – SITE DESIGN
No items pertaining to Daniel Island or Cainhoy.
Gourd times await: Step into spook-tacular fun at annual fall event
Emma Slavenhttps://www.thedanielislandnews.com/news/gourd-times-await-step-spook-tacular-fun-annual-fall-event
Jack-O’-Lantern Jamboree and Pumpkin Walk set for Oct. 27Put on your costumes and get your gourd on.The annual Jack-O’-Lantern Jamboree and Pumpkin Walk is set to return to Smythe Park on Oct. 27, hosted by the Daniel Island PTA in partnership with the Daniel Island Community Fund.Attendees can look forward to a spooky evening as they stroll among 500 creatively carved pumpkins lighting up Smythe Lake, starting at 5:30 p.m.This free event will feature live music by the Daniel Island Music Academy and l...
Jack-O’-Lantern Jamboree and Pumpkin Walk set for Oct. 27
Put on your costumes and get your gourd on.
The annual Jack-O’-Lantern Jamboree and Pumpkin Walk is set to return to Smythe Park on Oct. 27, hosted by the Daniel Island PTA in partnership with the Daniel Island Community Fund.
Attendees can look forward to a spooky evening as they stroll among 500 creatively carved pumpkins lighting up Smythe Lake, starting at 5:30 p.m.
This free event will feature live music by the Daniel Island Music Academy and local DJ Marquis Sanders who will be spinning Halloween tunes.
“Kids are encouraged to dress up and asked to check in at the green space at Smythe Lake to receive their scavenger hunt cards that will lead them around the lake, with prizes awarded for completion,” said Nicole Melton, a member of the Daniel Island School Events PTA. “We hope by merging this into one cohesive event, we are able to highlight the long history of the pumpkin walk while also engaging the kids.”
In the park’s green space, plenty of grub options will be available from popular food trucks like Wally’s, Shaka Shrimp, Roe Roes, and Holy City Popcorn. Additionally, free apple cider will be handed out to warm everyone’s spirits.
To participate in this year’s Pumpkin Walk, community members are encouraged to carve or decorate their pumpkins and drop them off on Oct. 27, from 1-3 p.m. at Smythe Park, located at the corner of Daniel Island Drive and Purcell Lane. Prizes will be given out for best design. After the event, pumpkins can be picked up or left for display until 9 a.m. on Oct. 28.
Melton encourages everyone on the island to participate. “Families, local businesses, and schools are all welcome to contribute to this event. It’s a chance to showcase creativity and community spirit!”
This year, Elevate Community School will be joining the festivities, and co-founder Stefanie Swackhamer is ready to see her students’ pumpkins light up the lake for the first time.
“We’re most looking forward to seeing the creativity of our students and families shine through in their pumpkin designs,” Swackhamer said. “The sense of community that comes alive during this event is always a highlight. We also love the way the event brings everyone together – parents, teachers, and students – to celebrate the season in such a fun and artistic way!”
Claire Monahan, an island resident who has attended the walk for the past two years, said the Pumpkin Walk is her favorite Daniel Island tradition. “I love seeing how creative our neighbors are with their carvings, their setups, and incredible decorations. There is nothing like seeing Smythe Lake alight at night with the pumpkins. It’s a one-of-a-kind community experience that makes living here so special.”
Melton echoed these sentiments, calling the walk an event that brings together Halloween fans of all ages.
“No other event allows for such collaboration while also providing various forms of entertainment, food, and fun!”
Berkeley schools earn top marks
Emma Slavenhttps://thedanielislandnews.com/news/berkeley-schools-earn-top-marks
County meets state average and above on test scoresThe South Carolina Department of Education and the South Carolina Education Oversight Committee recently released the 2024 SC School Report Cards, offering insights into student progress and academic achievement across the state.Notably, Philip Simmons High School and Daniel Island School earned an Excellent rating, placing them among only seven schools in the Berkeley County School District to receive this top mark.BCSD Superintendent Anthony Dixon highlighted the count...
County meets state average and above on test scores
The South Carolina Department of Education and the South Carolina Education Oversight Committee recently released the 2024 SC School Report Cards, offering insights into student progress and academic achievement across the state.
Notably, Philip Simmons High School and Daniel Island School earned an Excellent rating, placing them among only seven schools in the Berkeley County School District to receive this top mark.
BCSD Superintendent Anthony Dixon highlighted the county’s accomplishments in a recent school board meeting.
“Our students’ achievement in English language arts has reached their highest levels since 2018,” Dixon said, adding that no schools in the district were rated as Unsatisfactory this year – a milestone he credits to dedicated staff and high academic standards.
The 2024 report card showed BCSD students scoring around the state average in key academic areas. Approximately 52% of BCSD students met or exceeded expectations on the SC READY English test, compared to 54% of students statewide. In math, 35% of BCSD students met or exceeded expectations, compared to the state’s 43%.
Nineteen BCSD schools received Good and Excellent ratings, with PSHS and DIS among those earning the Excellent mark.
PSHS, under Principal Chris Buchholz, has maintained an Excellent rating throughout his tenure.
“Over the past four years, we have focused on fostering consistent growth at our school and enhancing our support systems for students,” he said. “It is truly impressive to maintain this streak!”
He credited the school’s Multi-Tiered System of Supports team, which provides targeted interventions for students, as well as an athletic study hall program, which he said helps maintain high academic standards for the 75% of students who participate in sports.
“We maintain high expectations for our students, and they consistently rise to meet these challenges,” Buchholz said. “Our teachers have also dedicated themselves to collaborating in professional learning communities to plan effectively, solve problems, and set high expectations for student growth. This accomplishment speaks volumes about our dedicated students and teachers, especially as the expectations and metrics evolve over time.”
Daniel Island School has also maintained an Excellent rating for several consecutive years, Principal Laura Blanchard said.
“The excellence we experience is the result of consistent effort from all involved,” she said.
This year, 18 DIS students achieved perfect scores on their SC READY tests, a testament to the school’s expectations and targeted support.
Blanchard highlighted DIS’s approach of weekly Professional Learning Communities, where staff reviewed student progress and adjusted their teaching strategies. The school also utilized teams from the Individual Education Program, the 504 Plan, and MTSS to address specific student needs.
“Our students rise to the challenge, and the support we receive from parents strengthens our efforts,” she said. “This collaborative commitment to learning is the foundation of our success.”
Superintendent Dixon thanked all BCSD staff, parents, and students for their dedication to growth and improvement, and said, “Together, we’re making a meaningful difference in the lives of our students.”
Proposed private lodge at the DanieI Island Club faces review
thedanielislandnews.comhttps://www.thedanielislandnews.com/news/proposed-private-lodge-daniei-island-club-faces-review
Here are the developments before the various City of Charleston boards and committees this week, as well as results, if any, from the prior week’s items specific to Daniel Island and the Cainhoy area.More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMING: TECHNICAL REVIEW COMMITTEENov. 21: Sportsman Island Dr. – Townhomes Subdivision Preliminary plat of proposed subdivision on .58 acres, located at 123 Sportsman Island Dr. in Cainhoy TMS: B2710002064 Owner: ...
Here are the developments before the various City of Charleston boards and committees this week, as well as results, if any, from the prior week’s items specific to Daniel Island and the Cainhoy area.
More detailed agendas and results can be found at charleston-sc.gov/agendacenter.
UPCOMING: TECHNICAL REVIEW COMMITTEE
Nov. 21: Sportsman Island Dr. – Townhomes Subdivision Preliminary plat of proposed subdivision on .58 acres, located at 123 Sportsman Island Dr. in Cainhoy TMS: B2710002064 Owner: Benjamin Stein. Applicant: Barrier Island SC. LLC. Contact: Andrew Bajoczky, andy@barrierislandeng.com.
Nov. 21: Restore at Point Hope – Proposed new development on 36.87 acres, located on 1236 Clements Ferry Rd., in Cainhoy. TMS B2620000028 Owner: The Berry Company Applicant: Thomas & Hutton Engineering. Contact: Domonic Jones, jones.d@tandh.com.
Nov. 21: Daniel Island Club Lodge – Proposed new private facility on 3.5 acres, located at 604 Island Park Dr., in Daniel Island. TMS: B2710000001. Owner: Daniel Island Golf Club LLC. Applicant: Thomas & Hutton Engineering. Contact: Bryce Lemon, lemon.b@tandh.com.
Nov. 21: Lifestyle Communities at Point Hope – Proposed new utilities to serve as a mixed-use site, located on 27.9 acres, at 1260 Clements Ferry Rd., in Cainhoy. TMS: B2620000028. Owner: Lifestyle Communities. Applicant: Thomas & Hutton Engineering. Contact: Dominic Jones, jones.d@tandh.com.
UPCOMING: BOARD OF ZONING APPEALS – SITE DESIGN
No items pertaining to Daniel Island or Cainhoy from last week.
RESULTS: TECHNICAL REVIEW COMMITTEE
Nov. 14: Alliance Apartments Ph.1 – Proposed new multifamily housing development on 23.9 acres, located at 1111 Kentucky Derby Lane in Cainhoy. TMS: B2620000028 Owner: Seven Sticks LLC Applicant: Seamon, Whiteside & Associates, Inc. Contact: Hannah Wilken, wilken@seamonwhiteside.com. Results: Open pending delivery of Stormwater and Zoning comments.
Nov. 14: Towne at Cooper River – Clements Ferry Medical – Proposed medical office building with parking on 3.8 acres, located at 250 Silo Acres Dr., in Cainhoy. TMS: B2710001035. Owner: Thorn Baccich Applicant: Seamon, Whiteside & Associates, LLC. Contact: Spencer Plowden, splowden@seamonwhiteside.com. Results: No return/ paperwork comments.
Nov. 14: Extra Room Clements Ferry – Proposed new four-story storage facility on 2.44 acres, located on 2274 Clements Ferry Rd., in Cainhoy. TMS B2670000148 Owner: Extra Room Clements Ferry LLC Applicant: Earthsource Engineering Contact: Noah Nelson, nelsonn@earthsourceeng.com. Results: Revise and return.
RESULTS: BOARD OF ZONING APPEALS – SITE DESIGN
No items pertaining to Daniel Island or Cainhoy from last week.
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