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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
Want to vote early in South Carolina? Here’s when and where to cast your ballot
Sophie Bramshttps://www.counton2.com/news/your-local-election-hq/want-to-vote-early-in-south-carolina-heres-when-where-and-how-to-cast-your-ballot/
CHARLESTON, S.C. (WCBD)- The 2024 general election is quickly approaching, but South Carolina voters will not have to wait until Election Day to cast a ballot.Governor Henry McMaster signed a law in May 2022 that replaces in-person absentee voting with an early in-person voting period for the two weeks leading up to election days.Any registered voter, including those w...
CHARLESTON, S.C. (WCBD)- The 2024 general election is quickly approaching, but South Carolina voters will not have to wait until Election Day to cast a ballot.
Governor Henry McMaster signed a law in May 2022 that replaces in-person absentee voting with an early in-person voting period for the two weeks leading up to election days.
Any registered voter, including those who will be 18 years old by the Nov. 5 general election, can cast a ballot during the early voting period without an excuse.
“Early voting provides a convenient and secure way for you to cast your ballot,” said Howie Knapp, the executive director of the South Carolina Election Commission. “Find an early voting center in your county, vote just like you would at your polling place on Election Day, and have your voice heard.”
Early voting for the 2024 election begins on Monday, October 21, and ends on Saturday, Nov. 2.
Interactive content by Flourish
Here’s what voters need to know:
The ballot will include seven candidates for president, according to officials:
An eighth candidate — Robert F. Kennedy Jr. — was initially nominated by the South Carolina Alliance Party. However, party leaders withdrew him from the ballot in August after he suspended his presidential campaign.
Additionally, each of South Carolina’s seven U.S. House of Representatives seats is up for election.
All 170 seats in the South Carolina state legislature — 124 in the House and 46 in the Senate — are also up for grabs this year. Some are uncontested, however.
Some ballots will also include races for county sheriff, circuit solicitor, probate judge, coroner, school board, and other countywide and local races.
Voters can find out who is on the ballot where they live by obtaining a sample ballot from the South Carolina Election Commission.
South Carolina adopted new state legislative district maps in December 2021 following the 2020 U.S. Census. Some district lines were redrawn, new districts were created, and some districts were eliminated.
Voters can find out which district they live in on the South Carolina legislature’s website.
Each county in South Carolina is required to have at least one polling location open for early voting. Some larger counties may have multiple open locations while smaller counties may have just one early voting site.
Early voting centers are open Monday through Saturday from 8:30 a.m. to 6 p.m. during the early voting period. Early voting is not available on Sunday, Oct. 27.
Here are the early voting locations* in the Lowcountry, by county:
Beaufort County
Berkeley County
Charleston County
Colleton County
Dorchester County
Georgetown County
Orangeburg County
Williamsburg County
You can find the complete list of early voting locations in every South Carolina county here.
Editor’s Note: The list of early voting centers may be updated as additional information becomes available.
A valid photo ID is required to vote in South Carolina elections, including during the early voting period. Acceptable forms of identification include:
State law requires an individual to register to vote at least 30 days before an election.
The deadline to register for the 2024 election is Monday, Oct. 14.
There are several ways you can register to vote in South Carolina:
1 – South Carolinians can register online by visiting scvotes.gov before midnight on Oct. 14. You will need your South Carolina Driver’s License or DMV ID card.
2 – Download a voter registration form from scvotes.gov. Complete and return the form to your county voter registration office either by fax or email before midnight on Oct. 14, or by mail – but it must be postmarked by Oct. 14.
3 – Register in person at your county voter registration office. Remember: most offices close at 5 p.m. for in-office registration.
Voters can check their registration status by visiting scvotes.gov.
As Election Day nears, you can count on News 2 as your Local Election Headquarters to keep you up-to-date on the latest from the campaign trail.
Berkeley County Announces Early Voting Locations for 2024 General Election
berkeleycountysc.govhttps://berkeleycountysc.gov/berkeley-county-announces-early-voting-locations-for-2024-general-election/
You must have your photo ID to vote. Voters may view their sample ballot through the South Carolina Election Commission HERE.ABSENTEE-BY-MAIL: Absentee-by-mail voting is available for qualified voters. Request an absentee application in one of the following ways:Applications must be returned to the Berkeley County Voter Registration & Elections Office in person or by mail by Friday, October 25 at 5 p.m....
You must have your photo ID to vote. Voters may view their sample ballot through the South Carolina Election Commission HERE.
ABSENTEE-BY-MAIL: Absentee-by-mail voting is available for qualified voters. Request an absentee application in one of the following ways:
Applications must be returned to the Berkeley County Voter Registration & Elections Office in person or by mail by Friday, October 25 at 5 p.m. Completed ballots must be returned to the Berkeley County Voter Registration & Elections Office no later than 7 p.m. on Election Day (November 5). Photo ID is required to return your ballot in person. For more information, go HERE.
The 2024 General Election is on Tuesday, November 5. For all election-related information, visit www.scvotes.gov or the County Voter Registration and Elections Department Page. You may also call 843-719-4056 or email vog.csytnuocyelekreb@ervbew.
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-Prepared by the Berkeley County Public Information Office-
MONCKS CORNER, S.C. – (Friday, October 4, 2024) – The deadline to register to vote in South Carolina ahead of the 2024 General Election has been extended to Monday, October 14, 2024. To vote in South Carolina, state law requires a person to register to vote at least 30 days prior to an election; however, the deadline has been extended due to the widespread impact of Hurricane Helene. Read more HERE.
Individuals may register to vote by October 14 in one of the following ways:
ABSENTEE-BY-MAIL: Absentee-by-mail voting is available for qualified voters. Request an absentee ballot in person at Berkeley County Voter Registration & Elections Office at 1003 Highway 52 in Moncks Corner; by calling 843-719-4058; or by mail (P.O Box 6122, Moncks Corner, SC 29461).
Applications must be returned to the Berkeley County Voter Registration & Elections Office by October 25 at 5 p.m. Completed ballots must be returned to the Berkeley County Voter Registration & Elections Office by November 5 at 7 p.m.
POLL WORKERS: Berkeley County needs additional poll workers for the upcoming General Election. Poll workers can earn compensation of up to $200. If interested, contact Laura Thomas with Voter Registration & Elections at 843-719-4663 or email vog.csytnuocyelekreb@samohT.aruaL. View more information and the application HERE.
For all election-related inquiries and information, please contact Berkeley County Voter Registration & Elections at (843) 719-4056; or visit https://berkeleycountysc.gov/dept/elections/ or www.scvotes.gov.
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– Prepared by the Berkeley County Public Information Office –
Red Balloon Yard Sale is Sept. 28
thedanielislandnews.comhttps://www.thedanielislandnews.com/news/red-balloon-yard-sale-sept-28
By:Staff reportBargain hunters can get out their treasure maps to search Daniel Island neighborhoods for the annual fall Red Balloon Yard Sale on Saturday, Sept. 28, from 7 a.m. to 1 p.m.Those wishing to take advantage of the chance to clear some clutter should put a red balloon at their home to let everyone know you are participating in this island-wide event.The Daniel Island Property Owners Association reminds sellers the sale must be in either the front or rear of their property and no blocking of sidewalks is...
By:
Staff report
Bargain hunters can get out their treasure maps to search Daniel Island neighborhoods for the annual fall Red Balloon Yard Sale on Saturday, Sept. 28, from 7 a.m. to 1 p.m.
Those wishing to take advantage of the chance to clear some clutter should put a red balloon at their home to let everyone know you are participating in this island-wide event.
The Daniel Island Property Owners Association reminds sellers the sale must be in either the front or rear of their property and no blocking of sidewalks is allowed. Set up or selling is not allowed in any POA common areas, parks, or amenities or those belonging to the City of Charleston. This is prohibited for liability and insurance reasons.
The sale will be held rain or shine. There is no rescheduled date for inclement weather.
Many homeowners have already registered their sale location and can be found on the map on the POA website.
If you would like for your address to be added to the sale map, email info@dicommunity.org. Please include in the subject line of the email “2024 Fall Red Balloon Yard Sale Map” and then in the body of the email provide your Daniel Island address as well as a good contact phone number in case the POA needs to get back to you for any reason. The address will then be added to the map of participating homes.
This is only for homes located on Daniel Island.
For those participating in the yard sale who would like to donate unsold items to Palmetto Goodwill, they will have one truck located at the Blackbaud parking lot on Fairchild Street and River Landing Drive to collect donated items from 11:30 a.m. to 2 p.m. (or until their truck fills up). Goodwill may not be able to accommodate everyone due to truck space and timing constraints and depending on the number of donations but will try to accommodate to the best of their ability. Donation collection is on a first-come, first-serve, drop-off basis.
For more information about the sale, donation restrictions and schedule, visit the POA website.
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