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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 Team 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 Team, 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 Charleston 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 Team. 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 Charleston 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 Team, 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 Charleston 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 Team 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 Team 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 Team, we will provide you with a trusted health insurance agent in Charleston 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 Charleston 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 Team 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 Charleston, 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 Charleston, SC
Charleston Battery winger Fidel Barajas speaks on Hibs experience - 'I fit in there'
Patrick McPartlinhttps://www.edinburghnews.scotsman.com/sport/football/hibs/charleston-battery-winger-fidel-barajas-speaks-on-hibs-experience-i-fit-in-there-3993088
The 16-year-old Californian-born attacker came through the youth ranks at Sacramento Republic like Hibs winger Emmanuel Johnson before joining up with the Battery in September last year, notching two assists in three matches towards the end of last year’s USL Championship.Thanks to the partnership between Hibs and the So...
The 16-year-old Californian-born attacker came through the youth ranks at Sacramento Republic like Hibs winger Emmanuel Johnson before joining up with the Battery in September last year, notching two assists in three matches towards the end of last year’s USL Championship.
Thanks to the partnership between Hibs and the South Carolina club, Barajas – who has four goals in ten appearances for Mexico Under-17s – joined up with Hibs in November. The Evening News understands that the purpose of the trip was to give the teen a chance to gain more experience of and exposure to different training styles rather than a formal trial, while the Battery were in the off-season.
During the 2020/21 season, Trinidad and Tobago internationalist Leland Archer and former Rangers youngster Robbie Crawford travelled to Scotland for a similar experience between American seasons.
Speaking to his club’s website, Barajas reflected on his time with Steve Kean and Gareth Evans’ under-19s in Portugal.
"We played six games against Benfica and Porto, Soccer Universities, and SønderjyskE from Denmark. We won three games, drew one, and lost two and then we went back to Scotland. I played in three of the games.
"I feel like my biggest takeaway is just knowing how to play at another level compared to where I’m at right now. It’s still very strong and fast even though it’s academy-level. Going in just thinking about me playing against top teams like Porto and Benfica was sort of a challenge, but after I got my first touches in the game, I feel like I handled it well. I was up for the challenge, I fit in there, and feel like it was a good experience.”
Barajas stayed with a host family – ‘they were pretty cool’ – as well as Johnson, who spent time on loan at Patriots Point last year, and gained a lot from the overall experience.
"Being in Europe, and in different parts of Europe, the overall experience was great. Playing with Hibs and experiencing how different the players are and how they approach the game, it was all fantastic."
The winger is yet to declare for one country, having represented Mexico and the USA at youth level. Although he faced players at club level from countries he has faced on the international stage, it was a different challenge facing opponents from older age groups.
" I was going against older players who I didn’t recognise from previous trips. I was one of the youngest players there. Hibs brought a few players from their under-16 team but the rest were all older than me. It was challenging and a little scary at first however, after training with them, there wasn’t much of a difference – and I’m used to playing alongside older guys at Charleston.
“I felt really comfortable after my first game and in the other matches, I was able to create more in the attacking third and felt better on the ball and with my teammates. Sadly, I didn’t get an assist or goal but I did hit the post twice in my last game.”
UNC Greensboro vs The Citadel Pick – Basketball Predictions & Odds 1/19/23
Andrewhttps://sportschatplace.com/college-basketball-picks/2023/unc-greensboro-vs-the-citadel-pick-basketball-predictions-odds-1-19-23/
The Citadel Bulldogs (7-11) vs. UNC Greensboro Spartans (11-8)The Line: UNC Greensboro Spartans -13.5 / The Citadel Bulldogs +13.5 ; Over/Under: 136 (Get latest betting odds)The Citadel Bulldogs and the UNC Greensboro Spartans meet Thursday in college basketball action from Greensboro Coliseum. The Citadel is current...
The Citadel Bulldogs (7-11) vs. UNC Greensboro Spartans (11-8)
The Line: UNC Greensboro Spartans -13.5 / The Citadel Bulldogs +13.5 ; Over/Under: 136 (Get latest betting odds)
The Citadel Bulldogs and the UNC Greensboro Spartans meet Thursday in college basketball action from Greensboro Coliseum. The Citadel is currently 7-11 overall. The Bulldogs lost to Western Carolina in their last game. As for UNC Greensboro, they’re 11-8 on the year after a win versus Furman. Check back all season long for free college basketball picks at Sports Chat Place.
The Citadel Bulldogs
The Citadel started out at 6-8 this year with wins over Presbyterian, Morris College, New Orleans, IUPUI, Charleston Southern and Chattanooga. The Bulldogs are 1-3 since then with losses to Furman, Wofford and ETSU.
In the Saturday matchup versus Western Carolina, the Citadel took a slim 26-25 lead into the second half. The Bulldogs posted a 39-36 run the rest of the way in a 65-61 win. Stephen Clark led the team on 28 points and eight boards.
UNC Greensboro Spartans
Over on the UNC Greensboro side, they beat JWU-Charlotte, UMBC, Montana State, Elon, Marshall, Warren Wilson and WCU in their first 14 games. The Spartans have beaten Wofford, Chattanooga, VMI and Furman in the five games since.
Matched up against Furman in the Saturday game, the Spartans scored 40 points in the first half, 37 points in the second and 11 in overtime during an 88-80 win. Keyshaun Langley led the team with 23 points and five rebounds.
ANDREW’S FREE PICK
I’m going to go with UNC Greensboro. The Spartans had a little trouble putting away a pretty good Furman team in their last outing, but to their credit UNCG got the job done. Over this current 5-1 stretch the Spartans have hit 68 or more points in all six games. As for the Citadel, they’ve been a mixed bag lately and haven’t scored well over this 1-4 stretch. I’d imagine the Bulldogs will hang around for a while in this one but I don’t think they’ll cover.
College of Charleston Avery Research Center Awarded $2 Million Grant From Mellon Foundation
Yahoo! Newshttps://finance.yahoo.com/news/college-charleston-avery-research-center-212900414.html
The Mellon Foundation has awarded the College of Charleston’s Avery Research Center for African American History and Culture a $2 million grant to support the collection and preservation of the South Carolina Lowcountry’s social and cultural history.College of Charleston’s Avery Research Center for African American History and CultureCharleston, South Carolina, Jan. 20, 2023 (GLOBE NEWSWIRE) -- The Mellon Foundation has awarded the College of Charleston’s ...
The Mellon Foundation has awarded the College of Charleston’s Avery Research Center for African American History and Culture a $2 million grant to support the collection and preservation of the South Carolina Lowcountry’s social and cultural history.
College of Charleston’s Avery Research Center for African American History and Culture
Charleston, South Carolina, Jan. 20, 2023 (GLOBE NEWSWIRE) -- The Mellon Foundation has awarded the College of Charleston’s Avery Research Center for African American History and Culture a $2 million grant to support the collection and preservation of the South Carolina Lowcountry’s social and cultural history.
“This grant is a true difference maker for the College’s Avery Research Center and our entire campus,” says Andrew T. Hsu, president of the College of Charleston. “The Mellon Foundation has an incredibly strong legacy of helping to build just communities, with their significant investments to enhance a dialogue of ideas and bolster imaginations. I am excited to see how this grant will accelerate and expand the important work of the Avery Research Center’s staff as well as its immediate impact on our greater community in Charleston.”
The funding, says Tamara T. Butler, executive director of the Avery Research Center, will allow the Avery Research Center to explore and share new and rich cultural histories.
“This grant emphasizes our commitment to preserving and promoting the Avery Research Center’s histories. We are overjoyed about the opportunity to tell stories about our 160-year-old evolution,” says Butler. “I am grateful for this team of phenomenal scholars. This grant is only possible because of dynamic faculty, supportive leadership and committed staff.”
Funding will allow the Avery Research Center to broaden the reach of their archival collections through training/professional development and community outreach.
Outcomes of the four-year project will include, but are not limited to:
The collects, preserves and promotes the unique history and culture of the African diaspora, with an emphasis on Charleston and the South Carolina Lowcountry. Through our programming, exhibitions and archival instruction we seek to help communities understand the power of history to transform and imagine futures.
The Andrew W. Mellon Foundation is the nation’s largest supporter of the arts and humanities. Since 1969, the foundation has been guided by its core belief that the humanities and arts are essential to human understanding. The foundation believes that the arts and humanities are where we express our complex humanity, and that everyone deserves the beauty, transcendence and freedom that can be found there. Through its grants, the foundation seeks to build just communities enriched by meaning and empowered by critical thinking, where ideas and imagination can thrive. Learn more at .
This South Carolina city ranks among the nation’s best places for food lovers to visit
Loumay Alesalihttps://www.thestate.com/news/state/south-carolina/article271427857.html
Food lovers looking to discover their next favorite meal should consider a trip to one South Carolina tourist hot spot, new rankings suggest.Charleston ranks No. 2 on a list of places with standout cuisine and restaurants, according to results published...
Food lovers looking to discover their next favorite meal should consider a trip to one South Carolina tourist hot spot, new rankings suggest.
Charleston ranks No. 2 on a list of places with standout cuisine and restaurants, according to results published by Tripadvisor on Wednesday, Jan. 18.
To create the list, the travel website studied comments vacationers left from November 2021 to October 2022. While examining food and other categories, the website said it considered the “quality and quantity” of millions of reviews about “accommodations, restaurants, and things to do” across the country.
Charleston earned the second-highest spot in the food rankings after another Southern tourist destination edged it out. New Orleans, known for serving Creole- and Cajun-inspired dishes, landed at the top of the list.
If you’re in Charleston, Tripadvisor recommends taking a food tour to learn about grits, barbecue and other regional favorites. Experts also praised the scenery in the city, which they say is “bursting with Southern charm and hospitality.”
“Travelers consistently rate Charleston’s food scene highly,” according to Tripadvisor, which told McClatchy News that the city’s food tours and restaurants received acclaim from the travel website last year.
Also in 2022, Yelp named Charleston one of the nation’s best destinations for foodies. Restaurants in the region also were honored for dishes ranging from pizza to sandwiches, McClatchy News reported.
In the latest Tripadvisor rankings, Charleston didn’t just make it onto the list of top places to eat. The city also was No. 8 in a separate category that measured U.S. places that tourists love to visit.
In the food rankings, Charleston was the sole place in South Carolina to land a top 10 spot. Rounding out the top five:
On a separate list of best food destinations in the world, the top honor went to Rome, Italy.
This story was originally published January 20, 2023 3:18 PM.
10 day trips within 2 hours of Myrtle Beach: From Calabash to Charleston
AOL.comhttps://www.aol.com/news/10-day-trips-within-2-105900833.html
Myrtle Beach is considered a retreat for many, but you may still need to take a getaway from your getaway.Luckily there are plenty of destinations within driving distance from Myrtle Beach. Mix things up with a feast on perfectly fried seafood in Calabash, take in the arts and culture scene in Florence or go on an adventure in the great outdoors in Myrtle Beach State Park.What you’ll find below are some of the best things to enjoy within a 2-hour drive from Myrtle Beach. Explore beyond the city limits — and make the...
Myrtle Beach is considered a retreat for many, but you may still need to take a getaway from your getaway.
Luckily there are plenty of destinations within driving distance from Myrtle Beach. Mix things up with a feast on perfectly fried seafood in Calabash, take in the arts and culture scene in Florence or go on an adventure in the great outdoors in Myrtle Beach State Park.
What you’ll find below are some of the best things to enjoy within a 2-hour drive from Myrtle Beach. Explore beyond the city limits — and make the most of your visit to the Grand Strand with these 10 day trips.
If you can’t go far but are looking for an escape from the City of Myrtle Beach, it’s very easy to spend the day exploring Myrtle Beach State Park. The park is roughly 312 acres of maritime forest featuring a mile long beach. The park has a nature center where visitors can learn about the park’s unique habitat as well as a number of trails to explore.
Driving time from Myrtle Beach: About 10 minutes
Conway is a charming small town with scenic streets lined with shops, restaurants and historic sites. Stop by the Coastal Carolina University Arboretum to see its collection of native trees, or immerse yourself in local history at the Horry County Museum.
Driving time from Myrtle Beach: About 30 minutes
This state park is for nature lovers! A day at Huntington Beach State Park can be spent hiking along winding trails through maritime forests, bird watching or taking a leisurely stroll along the beach.
Driving time from Myrtle Beach: About 30 minutes
Brookgreen Gardens is 9,000 acres of art, history and natural beauty. It is home to the Brookgreen Botanical Gardens, Lowcountry Zoo and Sculpture Garden. Open year-round, it’s a day trip destination that offers something new to see for every season.
Driving time from Myrtle Beach: About 35 minutes
Located just north of Myrtle Beach is the town of Calabash. Known as the “Seafood Capital of the World,” this small fishing town in North Carolina is known for its high-quality, locally caught seafood and numerous seafood shacks. According to Google reviews, favorites include Waterfront Seafood Shack, Captain Nance’s Seafood and Ella’s of Calabash. Fried fish, oysters, shrimp and clams are among the town’s culinary specialties.
Driving time from Myrtle Beach: About 40 minutes
Pawleys Island is a quiet, laid-back barrier island community known for its beautiful beaches, charming historic district and the Hammock Shops where you can purchase unique souvenirs from independent boutique stores.
Driving time from Myrtle Beach: About 45 minutes
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Georgetown is a hotbed of history. If spending the day at a museum is your ideal day trip, there are plenty to explore. Some of the most popular museums include Georgetown’s South Carolina Maritime Museum, The Gullah Museum, the Rice Museum and Hobcaw Barony. In between museum visits, you can make a quirky pitstop at Purr and Pour, a cat cafe where you can enjoy a cozy cup of coffee, play with cats who are available to be adopted.
Driving time from Myrtle Beach: About 1 hour
In the heart of the Pee Dee region of South Carolina, Florence is a charming southern city with a plethora of ways to engage with arts and culture. Take in the art exhibitions at the Florence County Museum, catch a play featuring local performers at the Florence Little Theatre, or get a taste of local flavor at the Pee Dee State Farmers Market open during all seasons.
Driving time from Myrtle Beach: About 1 hour 30 minutes
The historic port city of Wilmington, North Carolina, is home to a gorgeous downtown waterfront, excellent restaurants and a number of cultural attractions including the Wilmington Ballet, the North Carolina Aquarium and the famous World War II Battleship North Carolina.
Driving time from Myrtle Beach: About 1 hour and 40 minutes
As South Carolina’s oldest and largest city, Charleston is home to a range of historic landmarks, museums and cultural attractions. Spend the day exploring the Hunley, the world’s first successful submarine, stroll through the gardens of the historic Middleton Place, or take in the city’s stunning architecture.
Driving time from Myrtle Beach: About 2 hours
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