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health insurance agent in Daniel Island
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.
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.
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Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in Daniel Island, SC
From policy to porch: Tariffs talk heats up across SC
STAFF REPORThttps://thedanielislandnews.com/news/policy-porch-tariffs-talk-heats-across-sc
Whether it’s overheard at the barber shop, dropped into dinner table chatter, or debated over drinks with friends, talk of the economy is everywhere these days. What was once the realm of economists and policy wonks – think tariffs and trade wars – has crept into everyday conversations in a way few would’ve predicted just a few years ago.In an effort to better understand what South Carolinians are actually talking about when they talk money, ...
Whether it’s overheard at the barber shop, dropped into dinner table chatter, or debated over drinks with friends, talk of the economy is everywhere these days. What was once the realm of economists and policy wonks – think tariffs and trade wars – has crept into everyday conversations in a way few would’ve predicted just a few years ago.
In an effort to better understand what South Carolinians are actually talking about when they talk money, MarketBeat.com surveyed more than 2,750 adults. The results paint a vivid picture of a state navigating economic uncertainty, where everyday pressures – like grocery bills – still take center stage, even as once-arcane terms, like tariffs, are entering the mainstream.
What’s on South Carolinians' Minds? Despite the news cycle's focus on international trade and the stock market, it turns out the most common economic topic in everyday conversation is still simple: grocery prices. However, in what would have been unthinkable just a month ago, tariffs talk has now surged, now ranking among the most discussed topics among South Carolinians.
The six most commonly discussed financial topics among South Carolinians are:
1. Grocery and food prices 2. Tariffs and trade wars 3. Housing costs, energy bills, and gas prices 4. Stock market fluctuations 5. Tax refunds and tax cuts 6. Job loss, job changes, and the rise of AI in the workplace
These findings underscore something intuitive: while people might casually mention stock prices or political decisions, it’s the things that hit closest to home – literally and figuratively – that dominate our daily conversations.
The Worries Behind the Words Beyond what people talk about in everyday conversation, the survey also looked at what South Carolinians actually worry about. Not surprisingly, grocery costs came out on top again, cited by nearly a quarter of respondents as a financial stressor they think about more often than they’d like to admit.
Rent and mortgage payments tied with concerns about retirement savings (both at 19%), followed by credit card debt (13%). Job loss came in at 11%, with another 10% saying they’re uneasy about the possibility of AI replacing their jobs. Medical debt, while lower on the list, was still a concern for 5% of those polled.
When asked what they’d cut first if prices continue to rise, more than half of South Carolinians said they’d rein in restaurant meals or takeout spending. Subscriptions like Netflix or Spotify were next on the chopping block, followed by groceries – though most people said they’d simply switch brands or cut back on non-essentials, rather than skipping meals. Only a small fraction said they’d cut back on commuting or health care.
Tariffs: From Obscure Policy to Party Talk
Once a term most Americans could barely define, tariffs have become conversational. Now, whether people understand them fully or not, tariffs are on the tip of a lot of tongues. In fact, MarketBeat.com created a quiz so people can test themselves on their tariffs knowledge.
Despite the hesitation, 80% of respondents said they believe they understand how tariffs work. Whether that’s accurate is another matter, but it suggests that public awareness around global trade issues has grown considerably in recent years.
As for where South Carolinians are getting their information on tariffs, the news media still leads the way, with 58% saying it’s their main source. Social media trails behind at 30%, while podcasts, YouTube, and everyday conversations with friends or coworkers each clock in at around 6%.
“The numbers tell us something we’ve all felt for a while now – people are more engaged with economic issues than they used to be," said Matt Paulson, founder of MarketBeat.com in the company’s press release. "The rising cost of food, fears about job security, and the visibility of trade policy in the headlines have brought these conversations into everyday life. It’s not just about understanding the big picture anymore – it’s about how those big issues hit close to home.”
Provided by MarketBeat.com.
Development booms along Clements Ferry, approval requests mount
thedanielislandnews.comhttps://www.thedanielislandnews.com/news/development-booms-along-clements-ferry-approval-requests-mount
Here are the developments before the various City of Charleston boards and committees this week, as well as results, if any, from the prior week’s items specific to Daniel Island and the Cainhoy area.More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMING: TECHNICAL REVIEW COMMITTEEMarch 6: The Pointe At Governors Cay - Proposed concept plan for future fee simple development, 55 units on 4.25 acres in Cainhoy. TMS: B2710002133. Owner: Trident Medical Center LLC. Ap...
Here are the developments before the various City of Charleston boards and committees this week, as well as results, if any, from the prior week’s items specific to Daniel Island and the Cainhoy area.
More detailed agendas and results can be found at charleston-sc.gov/agendacenter.
UPCOMING: TECHNICAL REVIEW COMMITTEE
March 6: The Pointe At Governors Cay - Proposed concept plan for future fee simple development, 55 units on 4.25 acres in Cainhoy. TMS: B2710002133. Owner: Trident Medical Center LLC. Applicant: Sitecast, LLC Zoning. Contact: Jacob Cordray, jcordray@sitecastsc.com
March 6: Cainhoy Hopewell Residential - Phase 2 – Fifth review of proposed preliminary plat and road construction plans for future 125 lots for single-family homes on 74.8 acres at 800 Hopewell Drive. TMS: B2620000008. Owner: Cainhoy Land & Timber LLC. Applicant: Thomas & Hutton Engineering. Contact: Steven Roach, roach.s@tandh.com.
March 6: Extra Room Clements Ferry - Second review for proposed 4-story climate-controlled storage facility on 2.44 acres at 2274 Clements Ferry Road. TMS: B2670000148. Owner: Extra Room Clements Ferry LLC. Applicant: Earthsource Engineering Zoning. Contact: Noah Nelson, nelsonn@earthsourceeng.com.
RESULTS: TECHNICAL REVIEW COMMITTEE
Feb. 27: Point Hope Pod 4 - Phase 2 – Second review of preliminary plat and road construction plans for proposed 91-unit future single-family development on 45.4 acres at 1472 Clements Ferry Road. TMS: B2620000028. Owner: Pulte Home Co. Applicant: Thomas & Hutton Engineering. Contact: Brian Riley, riley.b@tandh.com. Results: Preliminary plat - no return/ paperwork comments. Road plans – revise and return.
Feb. 27: Alliance Apartments - Ph. 1 – Fifth review of site plan for 336-unit multifamily development on 23.9 acres at 1111 Kentucky Derby Lane. TMS: B2620000028. Owner: Seven Sticks LLC. Applicant: Seamon, Whiteside & Ass. Contact: Hannah Wilken, hwilken@seamonwhiteside.com. Results: Revise and return.
Feb. 27: Sportsman Island Boat & RV Storage Facility – Site plan for boat and RV storage on 1.978 acres at Sportsman Island. TMS: B2710002066. Owner: 1.7SI, LLC. Applicant: Kellum Engineering. Contact: Thomas Kellum, thomas@kellum-engineering.com. Results: Revise and return.
RESULTS: PLANNING COMMISSION:
Feb. 19: Comprehensive Plan Amendment Affordable Housing ATAX - Request to amend the City Comprehensive Plan to include the City of Charleston’s housing impact analysis for Senate Bill S284, now known as Act 57, which allows for Accommodations Tax (ATAX) to support local workforce housing. Results: Approved 6-0.
Feb. 19: Comprehensive Plan Amendment for Urban Waterfront District - Request to amend the City Comprehensive Plan to rename the “Future Planning Area” district and replace it with “Urban Waterfront” district. Results: Approved 6-0.
RESULTS: BOARD OF ZONING APPEALS – ZONING
Feb. 18: 1808 Clements Crest Lane, Beresford Hall - Request variance from Sec. 54-404(c) to allow three off-site directional signs. TMS: 267-00-00-129. Owner: SensusOne Clements Ferry LLC. Applicant: Reveer Group – Bob Almirall. Results: Approved 4-0.
Women’s Golf Wins for First Time Since 2017; Ties Program 54-Hole Record at Daniel Island Invitational
North Carolina State Universityhttps://gopack.com/news/2025/2/25/womens-golf-womens-golf-wins-for-first-time-since-2017-ties-program-54-hole-record-at-daniel-island-invitational
DANIEL ISLAND, S.C. - The NC State women's golf team earned its first win in nearly eight years, finishing at 17-under 847 (280-282-285) to lead the field in wire-to-wire fashion at the Daniel Island Invitational in Daniel Island, South Carolina. That 54-hole score matched a program record previously set at the 2023 ICON Invitational.This tournament win is the first for NC State women's golf head coach Darby...
DANIEL ISLAND, S.C. - The NC State women's golf team earned its first win in nearly eight years, finishing at 17-under 847 (280-282-285) to lead the field in wire-to-wire fashion at the Daniel Island Invitational in Daniel Island, South Carolina. That 54-hole score matched a program record previously set at the 2023 ICON Invitational.
This tournament win is the first for NC State women's golf head coach Darby Sligh, as well as the first for the program since 2017 when the Pack won the Ocean Course Invitational.
NC State led the field after each round and pushed ahead to beat host College of Charleston by three strokes. Marie Eline Madsen led the Pack and finished in second place with an 11-under 205 (67-66-72) and Vania Simont finished with a season-low 6-under 210 (69-70-71).
Madsen was on fire this weekend with an 11-under 205, finishing at par or under in all three rounds. The Denmark native's 205 is the second lowest score in school history and a freshman 54-hole record. Madsen logged a 5-under 67 in the first round and followed that up with a 6-under 66 in the second. In the tournament, she finished with the second most birdies (16) and par 5s average (4.58) and third best par 4s average (3.83) among 75 golfers. She now has seven rounds in the 60s and 12 rounds at par or better this season.
Simont finished with a 6-under 210 (69-70-71) to finish in fifth for her first career top five finish. The Mexico City, Mexico native started out the tournament with a 3-under 69 behind four birdies and 13 pars with one just bogey. Her 2-under 70 in the second round was done behind three birdies, 14 pars and one bogey. The 69 is her fifth career round in the 60s. Simont's par 4s average (3.90) was the sixth best in the tournament field.
Lauren Olivares Leon was solid all week to finish with a 2-under 214 (72-72-70) to log 11th. Her 2-under 70 in the third round jumped her up four spots on the leaderboard, doing so behind four birdies, 12 pars and just two bogeys. She finished tied for second in par 4s (4.58) in the field. Olivares Leon now has 10 rounds at par or under and 48 in her career.
Jaclyn Kenzel had the best performance of her collegiate career, finishing with a 2-over 218 (72-74-72) to log a tie for 15th. The graduate finished with eight birdies, 37 pars, eight bogeys and a double bogey.
Caitlin Whitehead finished in a tie for 52nd with a 15-over (74-80-77) 231. She finished with four birdies, 35 pars, 13 bogeys and two double bogeys. Lea Ludwig played as an individual and wrapped up the tournament with a career-high tie for 36th place. She finished with a 7-over 223 (75-73-75), a career-low 54 hole score.
The Pack had the second best par 3s average (3.12), par 4s average (3.99) and par 5s average (4.87) with the second most birdies (49) in the field.
TEAM LEADERBOARD 1 - No. 45 NC State - 280-282-285=847 (-17) 2 - No. 48 College of Charleston - 279-286-285=850 (-14) 3 - Charlotte - 283-290-292=865 (+1) 4 - No. 37 Tennessee - 285-287-295=867 (+3) 5 - No. 47 Campbell - 294-297-283=874 (+10) 6 - Yale - 285-295-300=878 (+12) 7 - No. 46 Virginia Tech - 300-294-288=882 (+14) T8 - Oral Roberts - 302-293-298=893 (+29) T8 - James Madison - 301-299-293=893 (+29) 10 - Georgetown - 295-296-304=895 (+31) T11 - Charleston Southern - 296-295-305=896 (+32) T11 - Georgia State - 310-294-292=896 (+32) 13 - Coastal Carolina - 306-296-295=897 (+33) 14 - Eastern Michigan - 307-302-292=302 (+38)
PLAYER LEADERBOARD 2 - Marie Eline Madsen - 67-66-72=205 (-11) 5 - Vania Simont - 69-70-71=210 (-6) 11 - Lauren Olivares Leon - 72-72-70=214 (-2) T15 - Jaclyn Kenzel - 72-74-72=218 (+2) T36 - Lea Ludwig* - 75-73-75=223 (+7) T52 - Caitlin Whitehead - 74-80-77=231 (+15)
*- Competed as an individual
UPCOMING The Pack will play at the Briar's Creek Invitational at the Club at Briar's Creek in John's Island, South Carolina from March 10-11.
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