health insurance agent in Isle of Palms

Ask Us Anything!

843-364-9155

Quick Quote

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 Isle of Palms 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.

Do You Really Need Health Insurance?

Before we talk about the solutions that our health insurance broker in Isle of Palms 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.

Health Insurance Agency Isle Of Palms, SC

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 Isle of Palms 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.

diagnoses

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.

store

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.

plane departure

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.

Health Insurance Agent Isle Of Palms, SC

Health Insurance Solutions for Individual and Family Health Insurance

CLICK HERE TO GET A QUOTE

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 Isle of Palms 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 Isle of Palms you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

Health Insurance Companies Isle Of Palms, SC
Health Insurance Isle Of Palms, SC

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.

Medical Insurance Isle Of Palms, SC
Private Health Insurance Isle Of Palms, SC

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 Isle of Palms, 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.

Health insurance plans

Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.

Latest News in Isle of Palms, SC

Upcoming oyster roasts in Charleston

The new year is just around the corner and you know what that means — it’s prime oyster roast season. Here in the Lowcountry, every month is a good month for an oyster roast. Here are several flavorful events you can look forward to in 2025.Save the Light Annual Oyster Roast | Sunday, Jan. 5 | 2-5 p.m. | Bowens Island Restaurant | Tickets $75+ | Your ticket includes access to live music, oysters, chili, hot dog...

The new year is just around the corner and you know what that means — it’s prime oyster roast season. Here in the Lowcountry, every month is a good month for an oyster roast. Here are several flavorful events you can look forward to in 2025.

Save the Light Annual Oyster Roast | Sunday, Jan. 5 | 2-5 p.m. | Bowens Island Restaurant | Tickets $75+ | Your ticket includes access to live music, oysters, chili, hot dogs, chicken bog + benefits the preservation of Morris Island Lighthouse.

Oysters on the Point | Sat, Jan. 11, Jan. 25, Feb. 8, Mar. 1 | 2-6 p.m. | Charleston Harbor Resort and Marina | Tickets $10+ | This winter series features locally steamed oysters, live music, a Bloody Mary Bar, and plenty of beer choices.

Saturday Oyster Roast |Every Saturday through March | 12 p.m. | Islander 71 Fish House and Deck Bar | $30 for all you can eat | This weekly oyster roast is held on Saturday and goes until supplies last.

2025 Oyster Wire Reef Build & Roast | Sunday, Jan. 12 | 2-5 p.m. | Gold Bug Island | Tickets $65 | Socialize while enjoying bluegrass music + fresh oysters, homemade chili, and desserts.

Bring Your Own Shuckers Oyster Roast | Sunday, Jan. 19, Feb. 23, March 30 | 11 a.m.-5 p.m. | Firefly Distillery | Tickets $45 | Enjoy music from local DJs as you shuck all-you-can-eat oysters.

2025 Lowcountry Oyster Festival | Sunday, Feb. 2 | 10 a.m.-5 p.m. | Boone Hall Plantation | Tickets $25+ | Join the world’s largest oyster festival + support The Charleston Restaurant Foundation’s mission is to advance charitable efforts of the Lowcountry Hospitality Association.

Shucked and Sauced | Sunday, Feb 2 | 1-4 p.m. | Rose Pavilion at Hampton Park | Tickets $175 | Funds raised from this event support free programming, providing opportunities for the community to engage, learn, and connect with their parks.

Want to put another oyster roast on our radar? Send us an email with the details.

A Life of Generosity: James C. Thompson Receives South Carolina’s Highest Honor

Credit: Laura StreckerIt was an evening of emotion, inspiration, and heartfelt gratitude at the Osprey Ballroom in Wild Dunes on Friday, November 15. Over 80 friends, family members, and admirers gathered to celebrate a man whose kindness has touched countless lives, near and far. James “Jim” Thompson, a longtime Isle of Palms resident, received the prestigious South Carolina Order of the Palmetto Award—a recognition reserved for individuals whose extraordinary contributions leave an indelible mark on the st...

Credit: Laura Strecker

It was an evening of emotion, inspiration, and heartfelt gratitude at the Osprey Ballroom in Wild Dunes on Friday, November 15. Over 80 friends, family members, and admirers gathered to celebrate a man whose kindness has touched countless lives, near and far. James “Jim” Thompson, a longtime Isle of Palms resident, received the prestigious South Carolina Order of the Palmetto Award—a recognition reserved for individuals whose extraordinary contributions leave an indelible mark on the state and beyond. For those who know Jim, there could be no one more deserving.

Ted Kinghorn, Director of the Law Enforcement Neighborhood Support (LENS) Foundation Isle of Palms, and Lynn Pierotti, Publisher of Island Eye News, welcomed the crowd with warm words and anecdotes. “Tonight, we’re going to talk about a man who is ‘contagiously kind,’ as Mayor Phillip Pounds loves to say,” Kinghorn noted, setting the tone for the evening.

The award, established in 1971, is South Carolina’s highest civilian honor, bestowed on those whose lives exemplify extraordinary achievement and service. Mayor Pounds, presenting the honor, remarked, “When you think about what this award stands for, it’s hard not to see Jim Thompson’s name written all over it.”

The crowd was a testament to Jim’s impact, spanning generations and walks of life. His wife, Linda, and their children and grandchildren were present, alongside friends and leaders from the many nonprofits Jim has supported. These organizations had nominated him for the award, sharing testimonies of how his generosity changed lives.

Expand

Pierotti shared a poignant story of how he first met Jim Thompson in July 2021. At the time, The Island Eye News had run a story about the Jones family, one of the oldest remaining African American families on Sullivan’s Island. They were facing a legal battle to keep their home, ‘The Little House,’ which was built in the early 1900s. A court ruled that the family could retain ownership but only if the house was relocated—a costly endeavor they couldn’t afford. The family launched a GoFundMe campaign, but the financial goal seemed out of reach. “That’s when Jim Thompson stepped in,” Pierotti said, “Jim called me the day after the story was published and asked how much was needed, heard the amount, and said ‘done.’ The family got to keep their home and remains in use by the Jones family today.”

True to form, Jim’s humility and character shone through in his acceptance speech. He turned the tables and rather than accept the room’s praise, he went on to honor and highlight the good work of those in attendance. “I wouldn’t be here without all of you,” he said, gesturing to the room filled with nonprofit leaders, friends, and family. “You’ve invited me into your missions, into your lives, and given me the opportunity to be part of the good work you do. I’m just following where God leads me.”

He took time to honor the nonprofits that had nominated him, sharing powerful stories of their impact. Among them was J. Denise Cromwell, founder of Project Street Outreach, who helps homeless veterans and their families. Jim recounted her tireless work, even as she faced her own challenges raising her adopted daughter and granddaughter after losing her husband.

Taking the microphone, Cromwell shared how Jim had transformed her life: “There was a time I didn’t know how I was going to make it—financially, emotionally. Jim became aware of my situation and donated far beyond what I could have imagined. He saved me, my family, and my nonprofit. I call him my Uncle Jim because he is my family, in every sense of the word.”

Expand

Jim also recognized the individuals at and work of East Cooper Community Outreach (ECCO), South Carolina Environmental Law Project, Friends of Charleston National Parks, South Carolina Aquarium, the Americanism Committee at the Isle of Palms Exchange Club, the South Carolina Historical Society, Windwood Family Services, the LENS Foundation, and the Tri-County Veterans Support Network, and more. In addition to the nonprofits who nominated him were South Carolina State House Representative Joe Bustos, South Carolina State Senator Chip Campsen, and Congresswoman Nancy Mace.

When Tim Taylor, co-founder of Tri-County Veterans Support Network, took the stage, he emphasized how Jim’s contributions had provided housing and support for countless veterans. “Jim saves lives,” Tim said. “There are many veterans and families in crisis in our area who owe a debt of gratitude to the incredible generosity of Jim Thompson and his family. Words could never express sufficiently how grateful we are to him. There’s none more deserving of this prestigious award than Jim Thompson.”

The breadth and expansive reach Jim has had and continues to have with his generosity was miraculous to listen to. The room hung on his every word. It was emotional, powerful, and deeply resonated with those in attendance. To hear such profound stories of kindness was humbling and awe-inspiring. Jim is the type of man to hear of a need and simply fulfill it, no matter the cost. He lives with his heart and wallet open to give where the Lord calls him to.

What makes Jim’s impact even more humbling is that most of his giving is done anonymously. Pierotti noted in his opening remarks that Jim has never sought recognition for his generosity. “He doesn’t give because he wants the credit. So much of what he does, people don’t even know about. That’s one of the best parts about him. It’s never about being seen—it’s about meeting a need.”

The most poignant moments came from Jim’s family, who shared their own stories of his lifelong charity. Jim’s “unofficially adopted” son, David Romeo, remarked, “What you’re all recognizing in this room today, he’s been doing my whole life—for 50 years. For birthdays and holidays, Dad doesn’t want anything for himself. He jokes that he doesn’t need another golf polo. Instead, he asks us to donate to individuals or organizations in need. He even keeps a list of people he’s met or heard about who could use some help. That’s his favorite kind of gift.”

Jim’s 12-year-old granddaughter, Virginia Reece, shared a story about grocery shopping with her “Bop,” as she affectionately calls him, when someone approached asking for help supporting a child in Africa. “Bop didn’t just give money,” she said, smiling. “He started writing letters back and forth with the child, and he even bought a cow and a goat for the village. That’s who he is—he doesn’t need to know you to help you. He just hears of a need and fulfills it.”

Jim’s quiet, steady willingness to give, often without being asked, has impacted countless lives. The nonprofits he supports have fed families, housed veterans, preserved history, protected the environment, and built stronger communities.

As the night drew to a close, a sense of quiet reflection settled over the room. The stories shared and the lives touched by Jim Thompson painted a vivid picture of what it means to live with an open heart. His actions reminded everyone in attendance that living generously isn’t about the size of a gift, but the intention behind it. Generosity begins with simply saying yes—yes to giving time, resources, or compassion where they are needed most.

For those present, one takeaway was undeniable: Jim Thompson’s life is a testament to the transformative power of kindness and the ripple effect of helping others. His legacy is something we can all only hope to achieve, and it inspires us all to live generously—and it starts, as many walked away feeling that night, with simply saying yes.

Palmetto tree removal stirs response from Isle of Palms homeowners

Published: Nov. 20, 2024 at 1:45 PM PST|ISLE OF PALMS, S.C. (WCSC) - The Isle of Palms could be saying goodbye to hundreds of namesake palmetto trees because of their proximity to overhead powerlines.Unlike an oak tree, where crews can cleave or cut branches, palmetto trees cannot be trimmed for height in the same way. They eventually could grow to create hazards for power lines, linemen and arborists.537 of them are now marked with red dots, facing removal from city properties, businesses and homes.“The pal...

Published: Nov. 20, 2024 at 1:45 PM PST|

ISLE OF PALMS, S.C. (WCSC) - The Isle of Palms could be saying goodbye to hundreds of namesake palmetto trees because of their proximity to overhead powerlines.

Unlike an oak tree, where crews can cleave or cut branches, palmetto trees cannot be trimmed for height in the same way. They eventually could grow to create hazards for power lines, linemen and arborists.

537 of them are now marked with red dots, facing removal from city properties, businesses and homes.

“The palmetto is really part of our identity and our namesake. It really is a loss for us at a time when we need to be adding back in more trees and living things, among other things, to help with drainage resiliency and quality of life,” Susan Hill Smith said.

Smith is a former city representative and a long-time homeowner. Two of her neighbors have palmettos that will eventually be gone.

“It’s not just trees in the public right of way that will be impacted,” Smith said. “Landscapers, property owners. Take time to consider when you’re planting new trees or palmettos, that you’re not planting them where they’ll come into contact with powerlines.”

292 of the historic trees fall into Category One, meaning they will be up for immediate removal in the next few months. The rest fall into Category Two, meaning they do not pose an immediate risk, but are being monitored.

Nearly one-third of the island has converted overhead powerlines to underground. The proposal to remove trees has ignited a push to bring the change to remaining parts of the city.

“When I became mayor three years ago, it was a high priority for me to start attacking it,” Pounds said. “Dominion Energy has a cautionary program where you can put lines underground. About four years ago, we identified five projects to take them underground.”

The Palmetto is considered one of the defining features of South Carolina. Its logs built the fort on Sullivan’s Island that protected soldiers against the British Royal Navy in 1776.

It also served as a symbol of resilience for the Lowcountry after Hurricane Hugo devastated homes and businesses. The Plant-a-Palm program hoisted a historic marker on Palm Boulevard to show the impact of replanting and preserving the iconic tree.

Several of those trees are also facing removal.

“It is resilient,” Smith said. “It is a native tree that is supposed to be here.”

City leaders plan to discuss the topic with Dominion Energy into the new year. This includes the consideration of a comprehensive plan that slows the removal of trees and lessens the impact. The group would also consider cost projections to move the powerlines underground.

“They’re obviously important, aesthetically and historically to our island. We’ll do everything we can to save as many as we can. But then again, what do you want? The beauty, or do you want the power to your house to make sure it stays on? You want the reliability of the service,” Pounds said.

Dominion Energy comes in five-year cycles to analyze the area and cut trees as needed.

The next Environmental Advisory Committees will be on Dec. 12 and Feb. 13. There will also be a City Council meeting on Jan. 28.

Dominion Energy spokesperson Paul Fischer said:

While we certainly understand and appreciate the passion surrounding palmetto trees across our coastal communities, safety remains our top priority. Trees that have grown too close to overhead lines and other facilities are a fire hazard and an issue of employee and public safety. Our goal is not to remove trees but to remove risk.

Dominion Energy is always willing to consider underground lines if the construction is technically feasible, system reliability is not compromised and there is a mechanism in place to cover the cost. Every project is unique, and each requires a thorough, detailed feasibility and engineering study to determine the true scope of work.

We will continue to work cooperatively with our municipal partners as they consider their next steps in the process.

Copyright 2024 WCSC. All rights reserved.

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.