health insurance agent in Folly Beach
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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 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. 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.
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.
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.
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.
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.
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.
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 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:
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
- 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.
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)
- 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.
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.
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:
- Advent Health
- United Healthcare
- National General
- 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.
Latest News in Folly Beach, SC
Folly Beach receives millions for emergency beach renourishment
Folly Beach received a significant amount of federal funding for emergency renourishment following beach damage from Hurricane Ian.FOLLY BEACH, S.C. (WCSC) - Folly Beach received a significant amount of federal funding for emergency renourishment following beach damage from Hurricane Ian.The September storm washed away sand dunes and caused erosion to take away parts of the beach.The $27 million of funding will work to get the beach back to normal with sand replacement.“This is not a full renourishment, but ...
Folly Beach received a significant amount of federal funding for emergency renourishment following beach damage from Hurricane Ian.
FOLLY BEACH, S.C. (WCSC) - Folly Beach received a significant amount of federal funding for emergency renourishment following beach damage from Hurricane Ian.
The September storm washed away sand dunes and caused erosion to take away parts of the beach.
The $27 million of funding will work to get the beach back to normal with sand replacement.
“This is not a full renourishment, but it does allow us to get a little more beach back in place for the protection of infrastructure and recreation,” Folly Beach Mayor Tim Goodwin said.
Around 900,000 cubic yards or 90,000 dump trucks of sand, will be replaced, and the city plans to use sand from the Folly River.
“That kind of does two things,” Goodwin said. “It helps us refurbish the beach with beach sand that just kind of washes around in the river, and it kind of opens up the river for the boaters, gets rid of some sand bars.”
The mayor believes beachgoers will be excited about the project, but they are not the only ones who will benefit.
Safety is a concern when the beach is in its current state.
“A lot of people don’t understand but especially in medical emergencies, we have a lot of equipment to carry, so it’s helpful when we can bring that one a cart or a four-wheeler, and with a small beach that’s impacted by the storm, it makes it pretty difficult or impossible to do, so getting this sand is a huge help for us,” the City of Folly Beach Director of Public Safety Andrew Gilreath said.
The sand is also crucial for those who rely on the beach for business.
“Just makes the beach so much deeper, so much more room for everybody, everybody’s not shoulder to shoulder stuffed on the beach, so once we get that new beach it’ll be glory days for us,” Sun & Ski Beach Service Owner Andy Pracht said.
The project most likely will not get underway till after the busy season.
“Everybody just has to work together to get through the summer,” Pracht said. “It’s going to be crowded. It kind of is what it is. Hopefully, we could have a new beach by this summer but we’re not going to. So, if we have one by next summer that would be awesome.”
City officials say this will be the first emergency renourishment Folly has needed since 2018.
They say It will be a few months before a timeline is laid out for the project.
A contract should be awarded in late summer/early fall and construction will start shortly after.
Copyright 2023 WCSC. All rights reserved.
Folly Beach short-term rental property owners discuss strategies to keep licenses
Dozens of Short-term rental property owners met Monday night on Folly Beach to discuss how to maintain both their property’s value their licenses.FOLLY BEACH, S.C. (WCSC) - Dozens of short-term rental property owners met Monday night on Folly Beach to discuss how to maintain both their property’s value and short-term rental license.This comes after the months-long short-term rental discussion ...
Dozens of Short-term rental property owners met Monday night on Folly Beach to discuss how to maintain both their property’s value their licenses.
FOLLY BEACH, S.C. (WCSC) - Dozens of short-term rental property owners met Monday night on Folly Beach to discuss how to maintain both their property’s value and short-term rental license.
This comes after the months-long short-term rental discussion came to a close last month, officially capping the number of short-term rentals on Folly Beach at 800.
The owner of Folly Beach property management company “Folly’s Best Rentals,” and host of Monday’s meeting, Greg Hart, said the short-term rental cap will drive down property value and make Short-term rental licenses more valuable.
“My advice for those who have a license is to be sure to take care of it, because it’s worth its weight in gold,” Hart said.
Right now, the short-term rental cap is set at 800, and there are currently around 1,200 on the island. Hart said he believes the city will try to lower the number of short-term rental licenses.
He said he encourages property owners to pay attention to strikes on their property, and the short-term rental license renewal date itself. Other suggestions included contacting Folly Beach Officials, and supporting a state-wide bill that would make imposing short-term rental bans illegal.
One short-term rental owner, Randy Holton, said he’s going to keep a close eye on his own short-term rental license.
Holton said when he and his family bought the house thirty years ago, renting it was always part of their retirement plan.
“Now we are reaching retirement age, so we are very threatened by laws that come along and say, ‘no we can’t do that,’” Holton said.
A majority of people at Monday night’s discussion were short-term rental property owners who are against the short-term rental cap.
Live 5 News reached out to The Folly Beach Resident Association, a group that is openly in favor of the short-term rental cap, for a statement.
We at the Folly Beach Residents Association (FRA) were pleased to see the highest voter turnout of any election on the Island vote to retain our sense of community and quality of life by passing the Referendum to CAP Investment Short Term Rental licenses at 800. The City leadership team is now beginning the implementation process of updating ordinances and capturing this decision into implementable city rules and regulations and the FRA is partnering with the City however they need us to through this process. We’ve already heard of one positive shift so far... the City confirmed to us that there are more Long Term Rental licenses being requested.
The City of Folly Beach said they did not want to comment on Monday’s discussion at this time.
Copyright 2023 WCSC. All rights reserved.
Folly Beach Fishing Pier to be dedicated Wednesday
Charleston County Parks and Recreation Officials say they look forward to formally celebrating the Edwin S. Taylor Folly Beach Fishing Pier Wednesday.FOLLY BEACH, S.C. (WCSC) - Charleston County Parks and Recreation Officials say they look forward to formally celebrating the Edwin S. Taylor Folly Beach Fishing Pier Wednesday.The pier will be dedicated at 10 a.m. with a ceremonial cast of fishing lines following ...
Charleston County Parks and Recreation Officials say they look forward to formally celebrating the Edwin S. Taylor Folly Beach Fishing Pier Wednesday.
FOLLY BEACH, S.C. (WCSC) - Charleston County Parks and Recreation Officials say they look forward to formally celebrating the Edwin S. Taylor Folly Beach Fishing Pier Wednesday.
The pier will be dedicated at 10 a.m. with a ceremonial cast of fishing lines following a quiet opening back in December.
Charleston County Parks and Recreation spokesperson Sarah Reynolds said the history of a pier in this location dates back to the 1930s.
Reynolds said Charleston County purchased the land in 1992 and built the “original” wooden pier, which opened in 1995. After it showed signs of deteriorating, officials closed that pier in 2020, tore it down and built a new one from scratch.
But Reynolds said they didn’t want the new pier to lose its original feel, so they decided to build it in the same footprint.
The structure is made from concrete, meaning it will last generations longer than the original, but the walkways, railings and fishing stations are all wooden.
“We knew it was so important to the Lowcountry and to so many visitors and people who have made memories on the pier with fishing and, I’ve heard so many stories of people getting engaged out there and going there after their weddings and stuff, so we knew it meant a lot to a lot of people. So we wanted it to be reminiscent and nostalgic of the previous wooden pier at the site,” Reynolds said.
The pier stretches 1,049 feet and is 25 feet wide and 22 feet above sea level. Charleston County Parks and Recreation says its amenities include a 7,500-sq.-ft. diamond-shaped platform at the end of the pier, beach access, accessible restrooms, showers, rod rentals, a gift and tackle shop and oceanfront dining at Pier 101 Restaurant & Bar.
She said the pier is being dedicated to Edwin S Taylor, a prominent member of their commission in the 1990s and an instrumental part of building the original wooden pier.
The new pier is being dedicated to Taylor once again along with honoring many others who played key roles in its construction.
She said the pier is an iconic landmark, and it is important to acknowledge people who have invested so much time into making the pier a reality.
Copyright 2023 WCSC. All rights reserved.
Rethink Folly Road makes headway in phase one
Cyclists, walkers and joggers going through James Island to Folly Beach are one step closer to what officials hope is safer and easier travel.FOLLY BEACH, S.C. (WCSC) - Cyclists, walkers and joggers going through James Island to Folly Beach are one step closer to what officials hope is safer and easier travel.The Rethink Folly Road Complete Streets Initiative focuses on improving connectivity and reducing congestion on Folly Road.The steering com...
Cyclists, walkers and joggers going through James Island to Folly Beach are one step closer to what officials hope is safer and easier travel.
FOLLY BEACH, S.C. (WCSC) - Cyclists, walkers and joggers going through James Island to Folly Beach are one step closer to what officials hope is safer and easier travel.
The Rethink Folly Road Complete Streets Initiative focuses on improving connectivity and reducing congestion on Folly Road.
The steering committee made up of officials from Charleston County, the city of Charleston, James Island and Folly Beach held their quarterly meeting Wednesday to go over where this project stands.
As far as the phase one update, Charleston County says we are seeing “the light at the end of the tunnel.”
The state’s department of transportation and health has officially approved the permits for phase one of Rethink Folly Road, according to a Charleston County official.
Phase one is the initial phase of the bike and pedestrian accommodation project, which includes mixed-use paths or lane markings, but construction cannot start just yet.
James Island Mayor Bill Woolsey says they are thinking of beach traffic and how this would impact construction if it were to start in the summer.
In addition to less traffic, these islanders could also see a beach shuttle connecting Folly Beach to James Island, sometime in the future. The town of James Island put out a survey on this to see if people would really use it.
“There is an interest if we can make the ride feasible,” Jenny Costa Honeycutt, Charleston County District 9 councilmember, said. “That is get out there in a way that makes it, encourages people to ride it instead of simply driving and waiting in traffic on their own.”
A survey that pulled in 400 responses from people on James Island, West Ashley and beyond says 77% of people would use a beach shuttle with 23% would not.
When asked if they would take a 10-minute ride in the shuttle in an alternative lane passing traffic, 86% said yes and 14% said no. When asked if they would take a 45-minute ride in the shuttle in the same lane of traffic, 19% said yes and 81% said no.
Katie Zimmerman, executive director of Charleston Moves, says this data could create transit opportunities in the future.
“I think the results are really telling and really useful,” Zimmerman said. “And its information we keep in the back of our minds proceeding forward.”
Charleston County says they are anticipating a 300-day construction timeline for phase one. There is not a set date of when that will start as of now.
Copyright 2023 WCSC. All rights reserved.
SC has 6 of best cities & towns in the South, 2023 Southern Living ranking shows. Is yours listed?
Sarah Claire McDonaldhttps://www.islandpacket.com/news/state/south-carolina/article272891570.html
Southern Living’s 7th annual “South’s Best” results are in for 2023. As for cities and small towns, several South Carolina locales were featured.The results recognize the favorite Southern travel destinations and experiences of the magazine’s readers.In this year’s South’s Best Awards, results revealed the top 50 Southern small towns, best cities, hotels, state parks, and BBQ joints fro...
Southern Living’s 7th annual “South’s Best” results are in for 2023. As for cities and small towns, several South Carolina locales were featured.
The results recognize the favorite Southern travel destinations and experiences of the magazine’s readers.
In this year’s South’s Best Awards, results revealed the top 50 Southern small towns, best cities, hotels, state parks, and BBQ joints from a survey conducted toward the end of last year.
The “South’s Best” winners will appear in the April issue of Southern Living, which will also feature the magazine’s first celebrity cover for the South’s Best issue with NBC TODAY co-anchor Hoda Kotb.
“In a year when more people than ever are traveling and moving to the South, we wanted to put a spotlight on small towns in this year’s South’s Best Awards,” said Sid Evans, Editor in Chief of Southern Living. “These are the hidden gems our readers picked for their character, charm, and unmistakable Southernness. We’re also thrilled to have Hoda Kotb sharing her longtime connection to New Orleans as a cover story. This whole issue is about the places we love, and in Hoda’s case, the city clearly loves her back.”
As for the winners of the South’s best small towns and cities, six South Carolina destinations not only made the lists, but were also highly ranked.
A total of 50 small towns were included in Southern Living’s “Best Small Towns In The South 2023” selections. Below are the small towns within the Palmetto State, as well as their rankings, that were highlighted in the list.
Aside from South Carolina’s small towns, two cities within the state also made the magazine’s ranking for the “South’s Best Cities 2023” list. These include:
Ranking in first place overall out of 20 total cities in the South, Charleston was selected for its overall livability and beauty.
“Almost everyone who visits Charleston these days is tempted to unpack their bags and move right in,” detailed Southern Living magazine in the “South’s Best Cities” category about Charleston.
“That’s because of the wonderfully walkable downtown, picturesque sidewalks, and distinctive architecture studded with Charleston single houses. We could go on: the vibrant culinary scene, the fantastic shops and boutiques, the coastal breezes blowing in over the Battery–it’s no shock that The Holy City stays at the top of this list year after year,” the magazine continued.
The results of the awards were solely picked by the magazine’s readers. To determine the winners, a survey was developed by the editors of Southern Living and was posted online for a given time period towards the end of last year. Readers were then invited to participate through several different platforms, sites and newsletters.