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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
Luxury Daniel Island townhome development launches new phase
Jason Thomashttps://charlestonbusiness.com/luxury-daniel-island-townhome-development-launches-new-phase/
East West Partners, a luxury real estate developer, has launched sales for the initial offering in its third collection at the mixed-use community, The Waterfront Daniel Island, which features 11 townhomes.Located in the heart of the Waterfront, the 11 Sanderling townhomes offer approximately 2,900 to 3,500-square-feet of indoor living space, including an upstairs flex space perfect for a game room or den, in addition to a spacious, covered outdoor terrace and a...
East West Partners, a luxury real estate developer, has launched sales for the initial offering in its third collection at the mixed-use community, The Waterfront Daniel Island, which features 11 townhomes.
Located in the heart of the Waterfront, the 11 Sanderling townhomes offer approximately 2,900 to 3,500-square-feet of indoor living space, including an upstairs flex space perfect for a game room or den, in addition to a spacious, covered outdoor terrace and a two-car garage in each unit, according to an East West Partners news release.
Starting at $2 million, the development offers four floor plans.
“The Sanderling townhomes bring one of our most highly sought after residential product types back to the community and we couldn’t be more excited to share this latest collection,” said Harriette Calder, project manager for The Waterfront Daniel Island, in the release. “With sales launched in a phased approach, it allows us to listen to our buyers’ needs and adapt accordingly. This offering incorporates valuable feedback from our existing homeowners and emphasizes indoor/outdoor living to maintain coastal sensibilities.”
Related content: Construction begins on 278-unit community in Summerville
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The design vision for the third collection is led by Betsy Berry of B. Berry Interiors, the Charleston-based firm also behind the community’s second collection offering, the release stated. Berry creates a classic aesthetic throughout. Bluffton-based architecture firm Court Atkins Group is involved with the project.
Celebrating the best of waterfront living and the Lowcountry lifestyle, The Waterfront Daniel Island combines an elevated residential offering with premium community amenities, the release stated. Amenities include:
Other partners involved in the waterfront village include Hart Howerton, the master plan architect; Thomas & Hutton, the civil engineer and landscape architect; and Brockington and Associates, environmental consultants for the project. Phase II, which began construction in April 2022, is sold out and expected to deliver in early 2024. The master plan for the development of The Waterfront on Daniel Island includes a total of six phases.
Dozens of Daniel Island neighbors speak out on proposed tree removals
Jordan Cioppahttps://www.counton2.com/news/dozens-of-daniel-island-neighbors-speak-out-on-proposed-tree-removals/
DANIEL ISLAND, S.C. (WCBD) – One agenda item for the City of Charleston’s Board of Zoning Appeals meeting on Wednesday received pushback from many people who live on Daniel Island.A proposed 30-unit townhome community is slated for a tract of land off Fairchild Street near the I-526 on-ramp, according to the meeting agenda and Eric Schultz, a Principal Planner for the City of Charleston.“The primary concern is the location. Were this somewhere else, I think it might have received less attention, but its right ...
DANIEL ISLAND, S.C. (WCBD) – One agenda item for the City of Charleston’s Board of Zoning Appeals meeting on Wednesday received pushback from many people who live on Daniel Island.
A proposed 30-unit townhome community is slated for a tract of land off Fairchild Street near the I-526 on-ramp, according to the meeting agenda and Eric Schultz, a Principal Planner for the City of Charleston.
“The primary concern is the location. Were this somewhere else, I think it might have received less attention, but its right at the front door to Daniel Island. And this is the most, the highest volume entrance to our island. So, everybody who gets on or gets off is going to see what happens on this parcel,” said Tory Sullivan, the Land Use and Development Committee Chair for the Daniel Island Neighborhood Association.
On Wednesday, the BZA was scheduled to hear a request for variances from the Tree Protection Ordinance. However, the applicant requested a deferral at the start of the meeting, and it passed.
The changes would allow the removal of 11 grand trees and construction to occur closer to the base of seven grand trees.
“That involves sidewalks, fill material, trenching, driveways, buildings, whatever’s like impervious construction, we have certain regulations that dictates how far away from the base of the tree you have to be,” explained Schultz.
The original request received 162 public comments, mostly all in opposition. Many of the people not only expressed concerns about the protected trees, but the rest of them on the tract as well.
Sullivan said the trees serve as a barrier to 526.
“We’re right on the gateway to Long Point and the Wando Welch cargo terminal. So, we have big rigs and trucks all day every single day, so this is a really key spot for that,” Sullivan told News 2. “In addition, around us is a bunch of Lowcountry marshland and maritime forest. It’s surrounded by that so these trees, you know, from resiliency purposes and otherwise are really important.”
According to Sullivan, the project received over 300 comments when it was on the BZA’s agenda a few months ago.
Developers report sellout of The Waterfront Daniel Island Phase II
Ross Nortonhttps://charlestonbusiness.com/developers-report-sellout-of-the-waterfront-daniel-island-phase-ii/
All of the residences in Phase II at the mixed-use lifestyle community The Waterfront Daniel Island have been sold, a little more than a year after they were released, according to developers East West Partners.Phase II comprises 41 one-, two-, and three-bedroom condominium units across three new buildings, according to a news release from the development company.“We are thrilled to officially close out sales on this second residential phase at ...
All of the residences in Phase II at the mixed-use lifestyle community The Waterfront Daniel Island have been sold, a little more than a year after they were released, according to developers East West Partners.
Phase II comprises 41 one-, two-, and three-bedroom condominium units across three new buildings, according to a news release from the development company.
“We are thrilled to officially close out sales on this second residential phase at The Waterfront,” Harriette Calder, project manager for The Waterfront Daniel Island, said in the release. “Demand for this community has remained strong ever since its inception, reflecting a continually growing interest in the elevated, yet relaxed coastal lifestyle and vibrant social environment we’ve been able to cultivate here. Our residents truly make this community a one-of-a-kind destination in the Lowcountry and we can’t wait to welcome our Phase II residents home to The Waterfront soon.”
Phase II, for which began construction in April 2022, will feature luxury condominium residences spread across the Sabal, Camellia and Magnolia buildings, most of which offer direct, unobstructed views of the Wando River. Ranging from approximately 1,220 to 3,400 square feet, floor plans in the second collection feature outdoor terraces, elevated finishes by interior designer Betsy Berry, and river views, with some penthouse units. In addition to the residences, this second collection also features exclusive new homeowner amenities, including a shared, elevated outdoor courtyard for residents of the Sabal and Magnolia buildings and an outdoor terrace and gathering space called The Perch for residents of the Camellia building. Construction is expected to be complete on units early in 2024, the release stated.
Later this fall, East West Partners expects to announce the release of sales for Phase III of the development, a new collection of 47 total residences including condominiums, townhomes and a handful of marsh cottages, representing a new product offering for the community. East West Partners will expand upon its collaboration with Berry for the interior design of Phase III products and will partner with two architectural firms, including MacMillan Pazdan Smith and Court Atkins, to bring the residences to life.
All homeowners who purchase at The Waterfront enjoy access to standout amenities, including:
Direct access to Daniel Island’s newly redesigned waterfront park, featuring two public docks with paddle launch and dog ramp, an interactive fountain, waterfront swings, and children’s play area.
Access to an array of natural and planned amenities, including 25+ miles of trails with views along the marsh and water; The Kingstide, Daniel Island’s only waterfront restaurant with rooftop bar; and The Daniel Island Market and Eatery (The Dime), a gourmet grab-and-go market.
Private amenities including a resort-style pool; pool pavilion with fire pit, fireplace, and grilling station; fitness center with state-of-the-art equipment; community outdoor gathering spaces; and post center with onsite property management.
The master plan for the development of The Waterfront on Daniel Island includes six phases.
Blue Raiders win Daniel Island Intercollegiate
Thomas Donleyhttps://goblueraiders.com/news/2023/10/31/mens-golf-blue-raiders-win-daniel-island-intercollegiate.aspx
Full Results Charleston, S.C. — Middle Tennessee men's golf used a hot start in Tuesday's third round to pick up a win at the Daniel Island Intercollegiate. Gavin Clements set a new personal best with a score of 67 (-5) in the third round, while ...
Full Results Charleston, S.C. — Middle Tennessee men's golf used a hot start in Tuesday's third round to pick up a win at the Daniel Island Intercollegiate. Gavin Clements set a new personal best with a score of 67 (-5) in the third round, while Kevin Jegers, Michael Barnard and Markus Varjun all finished within the top 15.
The Blue Raiders combined for eight birdies and an eagle on the front nine, compared to just four bogeys. Clements was responsible for the eagle and three of those birdies. He played even-par golf on the back nine for his second career-low round of the season.
The second half of the final round proved challenging for MTSU, as the Blue Raiders combined for 10 holes over par with just six birdies.
Jegers and Barnard finished the tournament in a tie for ninth at 213 (-3). Barnard was 2-under for the third round until a triple bogey on the 16th hole forced him to settle for a 73 (+1). Jegers carded a 76 (+4) in the third round.
Paired with his brother, Mattias, of VCU, Markus Varjun shot a 71 (-1) for the second straight round Tuesday. He tied for 15th individually at 216 (E).
Clements and Owen Stamper tied for 41st overall at 222 (+6).
By the Numbers 48 – The Blue Raiders' 48 birdies were the second-most in the tournament. 14 – Jegers tied for the most birdies in the tournament with 14. 30 – Varjun gained 30 spots on the individual leaderboard from the end of the first round to the end of the event.
Coach's Comments: Mark McEntire "What a great week! I am so proud of this team and glad we finished this one off! Round of the year from Gavin, and we needed it. Solid tournament by everyone and a great way to end the fall. Let's go!"
Tournament Notes
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Daniel Island bridge replacement could include widening, pedestrian access
Emily Johnsonhttps://www.live5news.com/2023/05/22/daniel-island-bridge-replacement-could-include-widening-pedestrian-access/
DANIEL ISLAND, S.C. (WCSC) - The city of Charleston will be voting Monday and Tuesday night on the approval of a $2 million replacement bridge on Daniel Island.The Beresford Creek Bridge is one of the only two ways to get onto Daniel Island, but officials say the bridge is in need of demolition and replacement after years of use.The final approval of the project from the city council would include adding a pedestrian and bike lane since the current bridge is very narrow.Charleston City Councilman Boyd Gregg has been push...
DANIEL ISLAND, S.C. (WCSC) - The city of Charleston will be voting Monday and Tuesday night on the approval of a $2 million replacement bridge on Daniel Island.
The Beresford Creek Bridge is one of the only two ways to get onto Daniel Island, but officials say the bridge is in need of demolition and replacement after years of use.
The final approval of the project from the city council would include adding a pedestrian and bike lane since the current bridge is very narrow.
Charleston City Councilman Boyd Gregg has been pushing for approval of the project to reduce dangerous traffic conditions on the bridge.
“More than anything, right now, I’d say pedestrian access,” Gregg says. “There’s not a really safe path for pedestrians cross or bikers to cross; the new bridge will have much improved pedestrian access.”
The bridge experienced damage to its infrastructure about three years ago, forcing load limits on the bridge for heavy trucks.
More recently, fire vehicles and ambulances are no longer to access the island from the bridge due to its current condition.
City of Charleston Director of Public Service Tom O’Brien says the bridge was built in the 90s, and it used to be the only way to access Daniel Island before Interstate 526 provided another entry point.
“Obviously with all the development with the homes and the town center, traffic has increased,” O’Brien says. “The bridge we will be replacing it with will be a very solid bridge and will provide great access for the people.”
Daniel Island is also working on another project to build a pedestrian and bicycle bridge over Nowell Creek.
“I think it shows the city’s commitment to provide these passages and safe ways to allow for pedestrians and bicycles to use the city,” O’Brien says.
Both O’Brien and Gregg are pushing for the project to finish before the next school year.
“There’s a significant amount of school traffic on this road, particularly for those traveling up with Phillip Simmons High School,” Gregg says. “We really wanted to try to get this done as much as we could during the summer to try to alleviate some of that school traffic and take advantage of school being out.”
In efforts to address traffic concerns, the city will be holding a meeting in the next month to explain the entire construction process and answer questions from nearby homeowners.
The project will be voted on at Monday night’s Public Works and Utilities Commission meeting and Tuesday’s city council meeting.
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