Quick Quote
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
Feast your eyes on Daniel Island, Clements Ferry’s newest dining spots
Emma Slavenhttps://www.thedanielislandnews.com/news/feast-your-eyes-daniel-island-clements-ferry%E2%80%99s-newest-dining-spots
It’s no secret that the Daniel Island and Clements Ferry restaurant scene has been booming lately.In just the past month, the corridor welcomed four new eateries, including a burger joint and a coffee chain – both just a golf cart or quick drive away.Restaurants now open:Konnichiwa - 2490 Clements Ferry RoadKonnichiwa, a Japanese chain with locations across South Carolina, recently opened on Clements Ferry Road, taking over the former Hardee’s. The restaurant&rsq...
It’s no secret that the Daniel Island and Clements Ferry restaurant scene has been booming lately.
In just the past month, the corridor welcomed four new eateries, including a burger joint and a coffee chain – both just a golf cart or quick drive away.
Restaurants now open:
Konnichiwa - 2490 Clements Ferry Road
Konnichiwa, a Japanese chain with locations across South Carolina, recently opened on Clements Ferry Road, taking over the former Hardee’s. The restaurant’s menu features a variety of Japanese dishes, from sushi and steak to ramen and bento boxes.
Dekari Su, a staff member, said the chain decided to open a second location in Charleston.
“Daniel Island has been developing rapidly, attracting families, professionals, and newcomers from all over, and our owner saw a real opportunity to introduce something fresh and unique to the local food scene,” Su said. “Our owner wanted to share our bold, clean flavors and his artistry and tradition with this community and provide a dining option that celebrates both authentic Japanese techniques and a modern, approachable twist.”
Open daily from 11 a.m. to 10 p.m., guests can enjoy dine-in or carryout options. Su said the restaurant has already received an overwhelmingly positive response.
“Many of our guests have told us they were craving more variety in the area, and we’re thrilled to have filled that gap with our modern take on Japanese cuisine. What’s been particularly rewarding is how quickly we’ve built a loyal customer base. Whether it’s a busy weeknight dinner or a weekend celebration, we’ve seen people return time and again, and it’s been amazing to witness the growth of this sense of community around the restaurant.”
Dunkin’ Donuts - 838 Foundation St.
The new Dunkin’ in Point Hope has quickly become a favorite for nearby residents, with the American coffee and donut chain offering its famous brews and pastries.
Opening day featured giveaways including offering the first 100 customers free coffee for a year, with people lining up the night before, according to the chain’s operator, Coastal Franchising LLC.
The new store is the operator’s 19th Dunkin’ location in the Charleston area. The Point Hope Dunkin’ is open daily with various hours.
Heavy’s Barburger - 891 Island Park Drive
Located in the former Laura Alberts Tasteful Options space, Heavy’s Barburger serves up a menu full of comfort food, including chicken wings, chili dogs, crinkle-cut fries, and smashburgers. Don’t forget about their iconic “Heavy’s sauce.”
Open from 11 a.m. to 9 p.m. Tuesday through Sunday, with a vintage sound system and community-style seating, the new Daniel Island space mirrors the restaurant’s downtown location on Morrison Drive.
Catrina’s Tacos and Tequila - 834 Foundation St.
Catrina’s Tacos and Tequila is now serving up sizzling tacos and fresh margaritas at Point Hope.
The restaurant’s menu is a mix of traditional recipes and creative takes, including fajitas, steak plates, and enchiladas. The Mexican eatery is owned by Yesenia Leon, who also owns VIVA Tacos and Tequila on Daniel Island.
“Our chefs blend authentic recipes passed down through generations with fresh, creative touches, resulting in a menu that is both familiar and exciting,” the restaurant’s website says. “Each dish is a celebration of Mexican heritage.”
Catrina’s is open every day from 11 a.m. to 10 p.m. Guests can dine in or order takeout.
Restaurants still to come:
Buck’s Deli and Market - 866 Island Park Drive
A gourmet market offering locally sourced, organic, and allergen-friendly foods, Buck’s Deli and Market will include made-to-order sandwiches, homemade soups, farm-fresh produce, and specialty grocery items. Open for breakfast and lunch, the market will also offer daily prepared dinner options.
Owner Gail Buck said the idea of a deli came from the lack of local options for breakfast and lunch. “We thought a deli and market concept, something we’re accustomed to in the northeast, could meet a lot of needs here on Daniel Island.”
The family-owned business is currently undergoing inspections and plans to open sometime this month.
“Our team has been working tirelessly to accelerate the process, especially with Publix closing,” Buck said. “We know everyone is anxious for us to open and we appreciate their patience. We have put our hearts and souls into this and are so excited to open the doors!”
Jeff’s Bagel Run - 1721 Clements Ferry Road
Slated to open in early 2025, Jeff’s Bagel Run will offer freshly baked bagels, spreads, and craft coffee. The bakery will feature 15 bagel flavors and 15 spreads, from roasted jalapeno to brown sugar cinnamon.
“Our motto is bake fresh, bring joy, build community,” said Catriona Harris, the company’s vice president of marketing. “We should be opening in the early second quarter of this year. We are just excited to join this friendly community – we can’t wait to be part of it!”
Ye Ole Fashioned Ice Cream & Sandwich Cafe - 832 Foundation St.
Locally known as a go-to ice cream and sandwich shop, Ye Ole Fashioned will soon offer burgers, hot dogs, crinkle-cut fries, and 32 flavors of ice cream in Point Hope.
The Cainhoy-area restaurant will follow the chain’s old-fashioned diner look and traditional menu, along with a covered patio for family outings.
“Our vision is to serve the new growing community with a family-friendly spot to grab lunch, dinner and ice cream,” said owner Cole Spradling.
“I plan on being involved with the local schools and sports teams, to be a spot for students to come and grab a bite to eat with friends, study and do homework.”
Food will be available for dine-in or carry-out, and it will not include a drive-thru. The store anticipates opening before March.
Firehouse Subs - 838 Foundation St.
A popular sub chain, Firehouse Subs will soon open next to the new Dunkin’ Donuts in Point Hope. Known for its specialty hot subs like meatball and build-your-own options, the store is set to open before March and will offer both dine-in and online ordering for pickup.
16 Handles - 650 Hopewell Drive
This self-serve frozen yogurt shop will offer a menu of 16 soft-serve flavors, over 50 toppings and sauces, and a variety of frozen novelties including cakes, cookie dough, and take-home pints. The store will cater to dairy, vegan, and gluten-free diets. According to Fritz Meyer of Meyer Kapp and Associates, 16 Handles is expected to open in May.
Wings Co. - 186B Seven Farms Drive
Myrtle Beach-based Wings Co. is set to open its seventh location right next to Ali Baba Deli and Catering on Daniel Island, which is known for its signature chicken wings with a variety of sauces and seasonings.
A representative told the “What Now Charleston” media group that the new eatery will be franchisee-owned and is scheduled for a grand opening on Feb. 7.
Upcoming development plans for Cainhoy and Daniel Island
thedanielislandnews.comhttps://thedanielislandnews.com/news/upcoming-development-plans-cainhoy-and-daniel-island
TRC to review key projectsHere 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 COMMITTEEJan. 9: Cainhoy Del Webb – Amenity Center – Proposed amenity center located on 8.9 acres in Cainhoy. TMS: B2620000064. Owner: Pulte Homes Cen...
TRC to review key projects
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
Jan. 9: Cainhoy Del Webb – Amenity Center – Proposed amenity center located on 8.9 acres in Cainhoy. TMS: B2620000064. Owner: Pulte Homes Centex Homes. Applicant: Thomas & Hutton Engineering. Contact: Steven Roach, roach.s@tandh.com.
Jan. 9: The Waterfront – Public Roads Phase 4 – Proposed road extension and improvements on 1.05 acres located at 200 Daniels Landing Drive, in Daniel Island. TMS: B2750000228. Owner: Daniel Island 4 EW Investor LLC. Applicant: Thomas & Hutton Engineering. Contact: Brian Riley, riley.b@tandh.com
Jan. 9: Seven Farms at Pier View Pedestrian Improvements – Proposed pedestrian improvements located in Daniel Island. Location: Intersection of Pier View Street, Seven Farms Drive and Bucksley Lane. Owner: City of Charleston. Applicant: City of Charleston. Contact: James Wallace, wallacej@charleston-sc.gov
Jan. 9: Scrubz Carwash – Proposed new car wash, located on .858 acres at 1991 Clements Ferry Road in Cainhoy. TMS: B2680000125. Owner: Clements Ferry LLC. Applicant: Onsite Civil Group. Contact: Stephen Davis, stevedavis@homesc.com.
Jan. 9: Clements Ferry Road and Clements Crest Lane Intersection Improvements – Proposed removal of raised median and installation of new turn lane, located at 1020 Clements Crest Lane in Cainhoy. TMS: B2670000149. Owner: City of Charleston. Applicant: Reveer Group LLC. Contact: Michael Delventhal, Michael.delventhal@mankiewicz.com.
UPCOMING: BOARD OF ZONING APPEALS – SITE DESIGN
RESULTS: TECHNICAL REVIEW COMMITTEE
Dec. 19: Marshes at Daniel Island Phase 2 – Preliminary plat for future single-family development located on 4.9 acres at 146 UT Fairbanks Drive on Daniel Island. TMS: B2710000010. Owner: Stanley Martin Homes. Applicant: Seamon, Whiteside & Associates, Inc. Contact: Zachary Wortman, zwortman@seamonwhiteside.com. Results: Open pending delivery of stormwater comments.
Dec. 19: Del Webb Entrance Road Revisions – Revisions to previously approved TRC plan located on 1.8 acres at 1236 Clements Ferry Road in Cainhoy. TMS: B2620000028. Owner: Pulte Homes Centex Homes. Applicant: Thomas & Hutton Engineering. Contact: Steven Roach, roach.s@tandh.com. Results: No return, paperwork/comments.
RESULTS: BOARD OF ZONING APPEALS – SITE DESIGN
January development updates for Cainhoy, Daniel Island
thedanielislandnews.comhttps://thedanielislandnews.com/news/january-development-updates-cainhoy-daniel-island
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 COMMITTEEJan. 16: Cainhoy - Proposed industrial building with associated infrastructure, on 19.79 acres located at 1075 Jack Primus Road. TMS: B2680000059. Owner: SRE EV Jack Primus LLC Applicant...
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
Jan. 16: Cainhoy - Proposed industrial building with associated infrastructure, on 19.79 acres located at 1075 Jack Primus Road. TMS: B2680000059. Owner: SRE EV Jack Primus LLC Applicant: Seamon, Whiteside & Associates, Inc. Contact: Preston Busbee, pbusbee@seamonwhiteside.com
Jan. 16: Daniel Island Self Storage – Proposed new self-storage building located at 1050 Forrest Acres Circle in Cainhoy. TMS: B2710002027. Owner: Ryan Hyler Applicant: Barrier Island Engineering Contact: Andy Bajoczky, andy@barrieislandeng.com
Jan. 16: The Waterfront Phase 4 Site – Proposed multifamily development located on 3.9 acres, located at 200 Daniels Landing Drive, in Daniel Island. TMS:B2750000228. Owner: Daniel Island 4 EW Investor LLC. Applicant: Thomas & Hutton Engineering Co. Contact: Bryce Lemon, lemon.b@tandh.com
BOARD OF ZONING APPEALS – SITE DESIGN
No upcoming items pertaining to Daniel Island or Cainhoy.
RESULTS: TECHNICAL REVIEW COMMITTEE
Jan. 9: Cainhoy Del Webb – Amenity Center – Proposed amenity center located on 8.9 acres in Cainhoy. TMS: B2620000064.Owner: Pulte Homes Centex Homes Applicant: Thomas & Hutton Engineering. Contact: Steven Roach, roach.s@tandh.com. Results: Revise and return.
Jan. 9: The Waterfront – Public Roads Phase 4 – Proposed road extension and improvements on 1.05 acres located at 200 Daniels Landing Drive, in Daniel Island. TMS: B2750000228. Owner: Daniel Island 4 EW Investor LLC. Applicant: Thomas & Hutton Engineering. Contact: Brian Riley, riley.b@tandh.com. Results: Open pending delivery of stormwater comments.
Jan. 9: Seven Farms at Pier View Pedestrian Improvements – Proposed pedestrian improvements located in Daniel Island. Owner: City of Charleston. Applicant: City of Charleston Contact: James Wallace, wallacej@charleston-sc.gov. Results: No return/paperwork comments.
Jan. 9: Clements Ferry Road and Clements Crest Lane Intersection Improvements – Proposed removal of raised median and installation of new turn lane, located at 1020 Clements Crest Lane in Cainhoy. TMS:B2670000149. Owner: City of Charleston Applicant: Reveer Group LLC Contact: Michael Delventhal, Michael.delventhal@mankiewicz.com. Results: Open pending delivery of stormwater comments.
Jan. 9: Scrubz Carwash – Proposed a new car wash, located on .858 acres at 1991 Clements Ferry Road in Cainhoy. TMS:B2680000125. Owner: Clements Ferry LLC. Applicant: Onsite Civil Group Contact: Stephen Davis, stevedavis@homesc.com. Results: Open pending delivery of stormwater comments.
BOARD OF ZONING APPEALS – SITE DESIGN
No upcoming items pertaining to Daniel Island or Cainhoy.
Disclaimer:
