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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 Team 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 Team, 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 Folly Beach 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 Team. 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 Folly Beach 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.

Do You Really Need Health Insurance?

Who We Serve

At the Health Insurance Solutions Team, 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 Folly Beach 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.

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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 Team 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.

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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 Team has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.

plane departure

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.

Health Insurance Solutions Team for Individual and Family Health Insurance

Health Insurance Solutions Team for Individual and Family Health Insurance

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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 Team, we will provide you with a trusted health insurance agent in Folly Beach 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 Folly Beach you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

MAJOR MEDICAL
DENTAL

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.

VISION
LONG-TERM CARE

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 Team 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 Folly Beach, 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.

Expert Help Is Only a Phone Call Away

Call us (843) 364-9155 for a complimentary consultation and evaluation of your healthcare coverage.

Latest News in Folly Beach

Folly Beach businesses ‘excited’ for flip flop drop’s in person return

FOLLY BEACH (WCSC) – Business owners on Folly Beach say they are excited to welcome back a New Year’s tradition for the first time since the COVID-19 pandemic began.The city’s flip flop drop will be held on New Year’s Eve along Center Street.“We’re very excited to have that happen again,” Rita’s Seaside Grill Manager Tayler McBarron said.Charlotte Goodwin, the brainchild of the event and the mayor’s wife, said the event has helped make Dec. 31 the busiest night the lo...

FOLLY BEACH (WCSC) – Business owners on Folly Beach say they are excited to welcome back a New Year’s tradition for the first time since the COVID-19 pandemic began.

The city’s flip flop drop will be held on New Year’s Eve along Center Street.

“We’re very excited to have that happen again,” Rita’s Seaside Grill Manager Tayler McBarron said.

Charlotte Goodwin, the brainchild of the event and the mayor’s wife, said the event has helped make Dec. 31 the busiest night the local businesses will have throughout the year.

McBarron said she expects to have at least 100 more customers for this year compared to 2020, when the event was held virtually.

“All the bars had to be shut down and all alcohol off the tables by 11 o’clock,” McBarron said. “So we couldn’t even celebrate New Year’s at our restaurant with people in it.”

Folly Beach Council Member DJ Rich owns Planet Follywood, a local dive bar off Center Street.

He said the flip flop drop helps bring in people across the Lowcountry to Folly Beach.

“Events like this are always better when they’re in person,” Rich said. “You know, you just get more of a feel. You’re more in the spirit, things of that sort. You just have a lot more fun when it’s in person.”

Goodwin, meanwhile, added that this year’s drop will be the 11th time it’s held.

“People are excited. We’ve had people walking by, and they’re just looking, saying, ‘Oh, they’re excited,’ and we’re going to be here to see them.”

Although the pandemic has taken its toll on the Lowcountry, business owners said they are excited to have a holiday tradition come back.

“It’s one of our favorite events of the year, and because it’s in the offseason, and it’s just something that’s very unique, very community oriented,” Rich said. “You’ll see people from the community of all ages come out.”

Organizers will be closing Center Street at around 10 p.m. to prepare to welcome the new year.

Copyright 2021 WCSC. All rights reserved.

What you need to know about setting off fireworks in Charleston

It’s not unusual to hear the sounds of fireworks popping off in your neighborhood between the Christmas and New Year’s Eve holidays — but that doesn’t mean it’s the right time to set them off.If you’re planning on ringing the new year with an at-home firework display, make sure you know the local ordinances and laws to avoid receiving a fine (and irritating all of your neighbors in the process).Here’s the lowdown on when and where you can set off fireworks in the Charleston area this ye...

It’s not unusual to hear the sounds of fireworks popping off in your neighborhood between the Christmas and New Year’s Eve holidays — but that doesn’t mean it’s the right time to set them off.

If you’re planning on ringing the new year with an at-home firework display, make sure you know the local ordinances and laws to avoid receiving a fine (and irritating all of your neighbors in the process).

Here’s the lowdown on when and where you can set off fireworks in the Charleston area this year:

Purchasing and igniting fireworks within the city limits is prohibited. (Many of the surrounding islands also ban the lighting of fireworks year-round, including Folly Beach, Isle of Palms, Sullivan’s Island, Kiawah Island and Seabrook Island.)

City of North Charleston

Residents of North Charleston are permitted to set off fireworks throughout the year between the hours of 9 a.m.-11:20 p.m. Special exceptions are made on New Year’s Eve and the Fourth of July, when fireworks are allowed until 1 a.m.

Town of Mount Pleasant

Mount Pleasant permits fireworks the day before, the day of and the day after a holiday between 9 a.m.-10 p.m. For New Year’s Eve, firework displays would be legal during these hours on Dec. 30 and 31, 2021 and Jan. 1, 2022.

Town of James Island

Fireworks are legal year-round on James Island between 9 a.m.-11 p.m. This time frame is extended on New Year’s Eve.

Town of Summerville

Summerville dwellers are permitted to light fireworks throughout the year between 10 a.m.-10 p.m. and on the New Year’s Eve and the Fourth of July until 1 a.m.

City of Goose Creek

Goose Creek only permits fireworks on holidays including Christmas Eve, Christmas Day, New Year’s Day, New Year’s Day and Fourth of July.

Town of Monck’s Corner

Monck’s Corner residents can shoot off fireworks only on New Year’s Eve between 9 a.m.-1 a.m. and on the Fourth of July from 9 a.m.-11 p.m.

If you’re unsure about the ordinances in your area, check your local government’s website. People living in neighborhoods with a Homeowners Association should check with their HOA about firework guidelines.

Looking for professional fireworks displays? You can catch a few around Charleston.

Folly Beach to expand eParking services

FOLLY BEACH, S.C. (WCSC) - Folly Beach leaders plan to provide an electronic payment option for drivers using the city’s existing paid parking spaces.The City of Folly Beach says it made nearly $1.7 million in parking fees in 2021, an increase of almost 56% over 2020′s $1.1 million, before expenses.Starting in January, the city will extend its “TapToPay” option so that every paid parking spot will have an electronic option. The city started rolling out the ParkWhiz program in some areas this summer as an...

FOLLY BEACH, S.C. (WCSC) - Folly Beach leaders plan to provide an electronic payment option for drivers using the city’s existing paid parking spaces.

The City of Folly Beach says it made nearly $1.7 million in parking fees in 2021, an increase of almost 56% over 2020′s $1.1 million, before expenses.

Starting in January, the city will extend its “TapToPay” option so that every paid parking spot will have an electronic option. The city started rolling out the ParkWhiz program in some areas this summer as another option for payment.

City administrator Aaron Pope says they want to make it clear that through this program, they are not adding any additional paid parking, just adding an electronic option to existing pay-to-park spaces.

Pope says currently there are 2,881 right-of-way parking spaces on Folly Beach and 9% of those are paid spots. He says they plan to keep it that way for now.

All of the pay-to-park areas include public beach access, some areas of Arctic Avenue and the Washout on Ashley Avenue.

Folly Beach City Council will give a summary of their parking payment collection and traffic enforcement plan Tuesday at 6 p.m. at City Hall.

After expenses, Folly Beach says it made nearly $1.3 million in parking fees in 2021. That figure is more than they expected to make, after budgeting for $833,376.02 this year.

Pope says after the companies running the paid parking and parking enforcement programs are paid, the city uses the remaining funds to pay for road shoulder improvements, beach access improvements and repairs, public safety calls, beach and litter patrol, and extra sanitation runs at the beach accesses during the summer.

Folly Beach also reports that over 11,000 parking citations were issued this year and 79% of those have been collected.

The city’s parking contractor, Jared Glass, says they collect unpaid citations by sending late notices to folks who have a citation that is 30 days delinquent. If not paid, they send a follow-up late notice at 60 days informing them of the fine and the intention to release the owed fine to a collection agency. At 90 days, the citation is eligible to be sent to a collections agency to attempt to collect the fine.

Glass says they also have a vehicle immobilization device for violators that they encounter.

Pope says all paid access spots on Folly except for three will still offer a physical pay station option. Those are the 10E access, 1587E access, and the 1670E access.

Copyright 2021 WCSC. All rights reserved.

Folly Beach County Parks experience flooding, erosion after weekend high tides

FOLLY BEACH, S.C. (WCSC) - High tides at Folly Beach that led to flooding and erosion this past weekend reached eight and a half feet, Folly Beach Officials said.Photos taken on Wednesday show the waterline up against the dunes. The dunes along the beach were put in place to protect the seawater from rushing further inland, Folly Beach Coastal Consultant Dr. Nicole Elko said.Rising sea levels and climate change are to blame for the tidal flooding, Elko said.“We are experiencing bigger spring tides – that&rsqu...

FOLLY BEACH, S.C. (WCSC) - High tides at Folly Beach that led to flooding and erosion this past weekend reached eight and a half feet, Folly Beach Officials said.

Photos taken on Wednesday show the waterline up against the dunes. The dunes along the beach were put in place to protect the seawater from rushing further inland, Folly Beach Coastal Consultant Dr. Nicole Elko said.

Rising sea levels and climate change are to blame for the tidal flooding, Elko said.

“We are experiencing bigger spring tides – that’s what they used to be known as,” Elko said. “Nowadays, people call them king tides, so these are our larger tides that occur during the new moon, particularly during this time of year.”

For every dollar spent on beach restoration, six dollars get put back into South Carolina’s economy because of increased visits to the state’s beaches and parks, officials said.

South Carolina’s accommodation taxes help fund beach restoration efforts, officials said.

“The past weekend’s flooding event was very impactful to the beach and dune system,” Elko said. “The higher waters drove large waves over and flooded the entire beach system, and the dunes were also overtopped.”

Elko added that the dunes helped retain the encroaching water that threatened the nearby marshland and inland communities.

“Previous dune and beach restoration projects have increased the elevation of the beaches and dunes on places like Folly Beach,” Elko said. “So while the dunes are eroded and while the beach went underwater during the storm, we didn’t have those waves and flooding impacting the infrastructure, so these natural projects actually are protecting and serving as flood mitigation.”

As the sun started to set and the tide receded, the extent of the erosion on Folly Beach came into view.

The roots of trees, previously battling waves, were visible, and the wounds created by Mother Nature have scarred the shoreline.

Cale Shipman calls West Ashley home during the winter.

“I feel lucky to be able to spend my winters here, and [flooding] is a big issue for all of these coastal areas, whether it be Charleston or anywhere along the coast,” Shipman said.

Shipman and his wife Marcia spent Wednesday on Folly Beach admiring the waves and discovering what was left behind after the tides rolled in.

“I think these king tides that we’re experiencing this week are unusual in the fact that they’ve had so many of them in a row,” Shipman said.

While the systems in place on the beach held up, those who ventured out on Wednesday witnessed Mother Nature’s power.

Copyright 2021 WCSC. All rights reserved.

Dominion Energy plans to cut down more than 500 palmetto trees on Folly Beach

FOLLY BEACH — Approximately 550 palmetto trees that have grown too close to overhead power lines are scheduled to be removed by Dominion Energy, starting this month.The utility said trees that reach too close to the lines pose a fire hazard and an issue of employee and public safety.Topping palmettos would likely kill them, so the removal of the ones identified on Folly Beach and in the surrounding area is the safest option, according to Dominion Energy.This decision has proven disturbing to some residents as these...

FOLLY BEACH — Approximately 550 palmetto trees that have grown too close to overhead power lines are scheduled to be removed by Dominion Energy, starting this month.

The utility said trees that reach too close to the lines pose a fire hazard and an issue of employee and public safety.

Topping palmettos would likely kill them, so the removal of the ones identified on Folly Beach and in the surrounding area is the safest option, according to Dominion Energy.

This decision has proven disturbing to some residents as these trees are an icon of the state.

Nina Fair has lived in the Oak Island community, an unincorporated part of Charleston County near Folly Beach, for almost 30 years and said there has never been a “wholesale cutting” of palmetto trees like the one planned now. She hates to see any trees be removed.

“I think we need to be very intentional and selective about the trees that we do take down, both for water absorption and shade purposes,” Fair said.

Trees have already begun to be removed in her neighborhood. She said on heavily wooded lots, a few palmettos being cut down probably won’t make much of a difference. But some people have grass or prairie lots where the trees are a significant part of the landscape.

Bari Zelizer, who also lives in the affected area, had seven palmettos removed from her property. The stumps were left behind.

“So, in addition to changing the landscape of our neighborhood, it leaves us with a costly problem to get rid of the stumps, to grind the stumps, which can cost hundreds to thousands of dollars,” Zelizer said.

She tried speaking with Dominion to suggest alternatives like moving or replanting the mature trees in another location, but was disappointed when she was not given a chance to talk about it.

Dominion Energy spokesman Paul Fischer said the utility understands and appreciates the passion surrounding trees across the Lowcountry, but safety remains a top priority.

The company trims and cuts trees on a five-year cycle. And the process has sparked anger in several communities that don’t want to see the greenery go.

Beyond not being given much notice before the tree removals started, Zelizer said Dominion was not amenable to talking. Some residents say they were only given a six-week notice.

“And had we been given an opportunity (to talk), we would have been able to get our landscape guy out to trim the palms,” Zelizer said.

Fischer said the utility works hard to ensure municipalities and customers are aware of this type of work in advance. Dominion customers with immediate concerns about trees on or near their property can call the utility at 800-251-7234.

Trees and limbs are the No. 1 reason for power outages. Fischer said safeguarding the overhead facilities is critical to help ensure a safe, resilient and reliable electric system and to keep the lights on for all of Dominion’s customers.

The utility said trees exceeding 15 feet are not suitable for planting along distribution rights of way or near overhead lines and are subject to removal.

Earlier this year, Dominion set out to cut away more than 170 palmettos from the Charleston peninsula’s power lines. Mayor John Tecklenburg said he would work with city leaders to greenlight a plan for underground lines so that Dominion could begin burrowing under the trees rather than trimming them.

The utility said it is always willing to consider underground lines as long as the engineering is technically feasible, system reliability is not compromised and there is a plan to cover the additional costs.

A list of considerations for planting along the utility’s right of way can be found on Dominion’s website.

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