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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 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. 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 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, 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.
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.
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.
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.
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.
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 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:
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
- 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.
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)
- 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.
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.
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:
- Advent Health
- United Healthcare
- National General
- 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.
Latest News in Charleston, SC
Gerry Turner Believes ‘Fate Played a Hand’ in His Decision to Move to Charleston with Theresa Nist (Exclusive)
Dana Rose Falconehttps://people.com/why-gerry-turner-and-theresa-nist-plan-to-move-to-charleston-exclusive-8409520
From The Bachelor Mansion to a sprawling Southern dream home!After getting engaged on Thursday’s ...
From The Bachelor Mansion to a sprawling Southern dream home!
“One of the things that I think fate played a hand in is the possibility of where we might wind up living,” Gerry says. “For the last couple of years, when my family gets together, I've talked about moving to South Carolina, and it's an idea I've toyed with. And then in conversation with Theresa, a private moment, she's saying, ‘Well, yeah, my son lives near Charleston in South Carolina.’”
Gerry currently lives in Indiana and Theresa hails from New Jersey, but that conversation made it easy for the couple to decide where they should reside.
“And all of a sudden it's like, there's a big problem that is gone,” Gerry says. “The issue of compromising on where to live and how to reconcile families and all of that is, it's no longer an issue.”
The reality stars hope their families will visit often. “We want to have a house that's so inviting that everyone would want to come,” Theresa, 70, says. “Maybe a pool so they all want to come and have fun.”
Lucky for Gerry and Theresa, their kids have already bonded.
“Our daughters, they're like sisters now,” the father of two says.
Theresa agrees. “My daughter says, ‘Thank you for giving me two more sisters,’” the financial services professional says. “She has a sister-in-law already but now, two more sisters.”
After his hometown date with Theresa’s family, Gerry saw her family as his own.
“I looked at Jen and it was like, ‘This could be my own daughter,’” Gerry says of his fiancée’s daughter. “ I literally was having those thoughts because she was so kind and she was so sensitive to the situation, to her mom and to me. The whole dynamic just worked.”
Theresa and Gerry plan to bring their families together to celebrate Hanukkah this month. “We'll have a holiday dinner together with everyone,” Gerry says.
As they’ve continued getting to know each other over phone calls and text messages these last few months, Gerry and Theresa learned they share similar views on one very important — albeit unromantic — facet of combining their lives.
“Financially, we're the same,” Gerry says. “The way we handle money is the same.”
Theresa clarifies that that means the pair consider themselves “somewhat frugal.”
While Gerry and Theresa look forward to moving in together, they don’t have an exact plan for when that will happen.
“We've had conversations and we've narrowed it down to a time window, but that's always in flux,” the retired restaurateur says. “We have two homes to sell. We have other events that we're going to have to deal with and so forth.”
One major event: their live, televised wedding that will air on ABC in January.
“??When you're in your 20s and you put something off for a year, it's a very small percentage of your life,” Gerry says. “In your 70s, the clock ticks faster. And I'm 100% certain I found the right girl for me. So it's like, why not?”
Gerry can’t wait for his future to unfold, but Theresa keeps him grounded.
“Fortunately, Theresa is the more patient, I think, of the two of us,” he says. “Me, I'm like, ‘Come on, let's go, it's time to go have fun. Life's a wasting. Let's go.’”
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The Golden Wedding will air Jan. 4 at 8 p.m. ET on ABC.
Charleston County School District to finally fill its vacancy for a chief academic officer
Post and Courierhttps://www.postandcourier.com/
Filling the position Charleston County School District to finally fill its vacancy for a c...
Charleston County School District’s board decided Acting Superintendent Anita Huggins could offer the district’s chief academic officer contract to an employee referred to as “candidate A” after months of controversy surrounding the position. Read moreCharleston County School District to finally fill its vacancy for a chief academic officer
The state Commission on Higher Education, which doles out lottery funds as scholarships to needy students, has accumulated $152 million in lottery funds that it never used for scholarships. Instead the money sat in the bank.
The SC Democratic Party and Democratic National Committee chairman Jaime Harrison announced a new get-out-the-vote effort ahead of South Carolina’s inaugural “First in the Nation” primary. The effort, designed as a test run for 2028, comes as enthusiasm for President Joe Biden’s reelection bid has begun to falter around the country.
Last month, 1,245 homes changed hands across the Charleston market as the median price dipped 0.2 percent from a year ago.
The Good Cheer Fund was established in 1927 by Thomas P. Lesesne, former managing editor of The News and Courier as a Lowcountry community outreach program to help people in need during the holiday season.
One hundred percent of the donations made to the Good Cheer Fund are distributed to seven agencies to aid the less fortunate in the Lowcountry during the holidays.
Patrolman 1t Class Adam Blankenship sustained several internal injuries and is expected to undergo several medical procedures and surgeries. Read moreOver $18K raised for Mount Pleasant officer struck by car during foot chase
Latest local and national business announcements, powered by EZ Newswire
Ibu Movement Celebrates Successful “Colombiana!” Fundraising Event Showcasing Colombian Culture and First Nations’ Heritage Craft
Pick on the Total for Rhode Island-Charleston on December 10
The state of Rhode Island will be featured heavily on Sunday’s college basketball board and the Rhode Island Rams will look to do the state proud when they play host to the College of Charleston Cougars.Rhode Island Rams vs College of Charleston Cougars (-10, 148.5)Since Pat Kelsey took over as Charleston’s head coach prior to the 2021-22 season, the Cougars have been an uptempo team, but the team has decided this season to slow things down, entering Saturday 150th in the country in possessions per ...
The state of Rhode Island will be featured heavily on Sunday’s college basketball board and the Rhode Island Rams will look to do the state proud when they play host to the College of Charleston Cougars.
Rhode Island Rams vs College of Charleston Cougars (-10, 148.5)
Since Pat Kelsey took over as Charleston’s head coach prior to the 2021-22 season, the Cougars have been an uptempo team, but the team has decided this season to slow things down, entering Saturday 150th in the country in possessions per game.
Injuries have been a big reason for Charleston’s tempo shift as Kelsey likes to have a rotation of nine or 10 players that he can rely on and three of the 10 players that are averaging at least 10 minutes for Charleston have missed at least one game this season.
One of the Charleston players that has not missed a game to this point is Reyne Smith, who leads the team in made 3-point shots and is tied for second on the team with 11.1 points per game, but left the team’s most recent game against Florida Atlantic after suffering a lower body injury.
The Charleston offense scored 55 points in the first 25:11 of game time with Smith on the floor in their game against Florida Atlantic before being outscored 38-19 the final 14:49 of the game to lose 38-19 after holding a lead at halftime.
Even if Smith can play, as the extent of his injury is unknown to the public, he likely will not be at 100 percent for a Charleston team that has struggled with their outside shooting as their 28.9% 3-point shooting percentage entered Saturday 302nd in the nation’s top.
As for the Rhode Island offense, they have their own shooting problems, making only 56.5% of their free throws, which ranks 360th among the 362 Division I teams.
On defense, Rhode Island has failed to generate turnovers, ranking 356th in turnovers forced per play on defense, but have forced teams to work for points, ranking 306th in the country in total possessions per game.
With Charleston dealing with the possibility of Smith missing this game for a team that was 190th in points scored on a per possession basis to begin with coupled with Rhode Island’s slow tempo and it leads to Sunday’s game being one that will feature plenty of defense.
The Play: Rhode Island vs. Charleston Under 148.5
CCSD appoints Michelle Simmons as new Chief Academic Officer after months of uncertainty
CHARLESTON, S.C. (WCIV) — Leadership changes in the Charleston County School District (CCSD) were finalized Monday night after months of uncertainty.The school board appointed interim Chief Academic Officer Michelle Simmons as the district’s permanent Chief Academic Officer after an original motion to hire her failed back in September.CCSD appoints Michelle Simmons as new Chief Academic Officer after months of uncertainty. Dec. 11, 2023. (WCIV)Community members have been waiting since then for CCSD leaders to...
CHARLESTON, S.C. (WCIV) — Leadership changes in the Charleston County School District (CCSD) were finalized Monday night after months of uncertainty.
The school board appointed interim Chief Academic Officer Michelle Simmons as the district’s permanent Chief Academic Officer after an original motion to hire her failed back in September.
CCSD appoints Michelle Simmons as new Chief Academic Officer after months of uncertainty. Dec. 11, 2023. (WCIV)
Community members have been waiting since then for CCSD leaders to appoint a permanent Chief Academic Officer.
Some parents think Simmons was the clear and obvious choice.
“She has been vetted, she has been interviewed multiple times, she has been recommended highly by a search process that unanimously said that she’s the best qualified candidate,” said Rev. Rebecca Hinds, a parent in the district.
But back on Sept. 25, a motion to permanently hire Simmons failed. This was the same day the board voted to place former superintendent Dr. Eric Gallien on paid leave, starting a community uproar on both Simmons' and Gallien's behalf.
Now in December, the board voted to hire her, but only after hours of debate and discussion- and a failed attempt by Board Chair Keith Grybowski to limit her contract in comparison to the district’s other chief officers.
“I’d like to make a motion to amend the motion,” Grybowski said during the meeting. “The acting superintendent is authorized to negotiate an employee contract with 'Candidate A' for Chief Academic Officer to include specific restrictions. The contract term should be for one and a half years, the contract shall have a three-year renewable provision, the salary for the provision shall be set at the currently posted rate.”
Instead, the board moved forward with appointing Simmons under a full three-year contract; a decision that was met by a standing ovation from meeting attendees.
Prior to the vote, the board heard from a long list of parents and neighbors during public comment. Almost all of them called for Simmons to be appointed.
“Don’t let us down, do the right thing, hire Michelle Simmons,” Rev. Hinds said during her one-minute of allotted time for public comment.
BE THE FIRST TO COMMENT
After an hour in executive session, another half an hour of public comments and then an additional hour of deliberations, Michelle Simmons was placed in charge of Charleston County Schools.
Charleston Co. School Board appoints next Chief Academic Officer
CHARLESTON, S.C. (WCSC) - The Charleston County School District’s Committee of the Whole and Board of Trustees appointed Michelle Simmons as the district’s Chief Academic Officer during Monday night’s meeting.Members of the board and the public all seemed to agree with hiring Simmons with the crowd erupting into applause after the decision was made. However, an amendment to the hiring sparked controversy and confusion.Michelle Simmons has acted as Charleston County School District’s Interim Chief Academi...
CHARLESTON, S.C. (WCSC) - The Charleston County School District’s Committee of the Whole and Board of Trustees appointed Michelle Simmons as the district’s Chief Academic Officer during Monday night’s meeting.
Members of the board and the public all seemed to agree with hiring Simmons with the crowd erupting into applause after the decision was made. However, an amendment to the hiring sparked controversy and confusion.
Michelle Simmons has acted as Charleston County School District’s Interim Chief Academic Officer since July of 2022.
She has worked in the district since 1998, holding a variety of roles from teacher to principal, and then the district’s director of elementary schools.
During the meeting’s public comment, peers, friends and parents made statements to the board showing support for Simmons.
“We are ready as parents for something different in this district, and I am asking for that,” parent Audrey Lane said.
“And today you have a chance to do something different. Don’t let us down. Do the right thing. Hire Michelle Simmons,” Rev. Rebecca Hines, who spoke during public comment, said.
“You have a gem in your hand; don’t let politics and agendas get in the way,” Ron Malcom, who also spoke during public comment, said. “Don’t waste the opportunity to offer this person the permanent CAO position. Give that person a job.”
Although her hiring was approved, an amendment to her contract was suggested by Charleston County School District Board of Trustees member Keith Grybowski.
His suggestion was Simmons’ contract terms would be for a year and a half with a three-year renewable provision with the salary to be set at the currently posted rate.
“The contract as I am recommending to the superintendent will be renewable. There are no changes whatsoever to the job duties as presented,” Grybowski said.
But other board members said the board of trustees does not have the power to make contractual decisions, the superintendent does.
“It was just a couple of months ago that we approved an acting superintendent and we weren’t concerned about a contract, job qualifications or job descriptions,” board member Darlene Dunmeyer-Roberson said. “But tonight, we are concerned about contract terms and salary. Is this how we are going to govern?”
The amendment failed on a vote of 3 to 6, putting her contract negotiations not in the hands of the board.
It’s also important to note that all other chief positions in the district have three-year contracts.
Simmons has an immediate start date within the district.
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