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health insurance agent in Folly Beach, SC
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, SC 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, SC 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 Folly Beach, SC 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 Folly Beach, SC 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, SC 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 Folly Beach, SC 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 Near Me Folly Beach, SC
Folly Beach keeps holiday spirit alive with festive traditions and community events
Jason Tighehttps://abcnews4.com/news/local/folly-beach-keeps-holiday-spirit-alive-with-festive-traditions-and-community-events
FOLLY BEACH, S.C. (WCIV) — Christmas may have come and gone, but the holiday spirit is still alive in many places, including Folly Beach.“We’re with our two boys, so yes, it does feel like Christmas,” said Susan Elmendorf, who was visiting from the Midwest with her husband, Tom.Temperatures in the 70s drew people to the shoreline, though a lingering December chill remained.“The kids: it’s just pure joy,” said Suzi Raiford. “They have to be told to take their shoes and socks...
FOLLY BEACH, S.C. (WCIV) — Christmas may have come and gone, but the holiday spirit is still alive in many places, including Folly Beach.
“We’re with our two boys, so yes, it does feel like Christmas,” said Susan Elmendorf, who was visiting from the Midwest with her husband, Tom.
Temperatures in the 70s drew people to the shoreline, though a lingering December chill remained.
“The kids: it’s just pure joy,” said Suzi Raiford. “They have to be told to take their shoes and socks off and run into the ice-cold water.”
Modest crowds spent Friday playing games in the sand, while some families surfed throughout the day.
“It’s been amazing,” said Adam Daniels of the season so far. “Every day is a blessing, and this is a season where we’re all very aware of that.”
One of Folly Beach’s seasonal staples, the Tree of Love, continues to attract visitors from near and far – and helps keep the festive spirit going.
“This is totally Folly,” one beachgoer said. “It’s very eclectic, which is at the heart of Folly.”
Vanessa Trexler Oltmann, the caretaker of the tree, said the setting captures the community’s spirit.
“The tree. The beach. Folly,” Oltmann said. “Love is in the air.”
And while Christmas is over, celebrations are far from finished.
Fireworks and the annual Flip-Flop Drop are planned for Dec. 31. On New Year’s Day, a beach cleanup will be followed by a Bill Murray-themed polar plunge.
“It’s a beautiful season – so much love, so much kindness,” Oltmann said. “Folly’s beautiful year-round, but Christmas is a tradition we start embracing from Thanksgiving through the New Year and beyond.”
Folly Beach Flip Flop Drop draws crowds for New Year’s Eve celebration
Reese Thompsonhttps://www.live5news.com/2026/01/01/folly-beach-flip-flop-drop-draws-crowds-new-years-eve-celebration/
CHARLESTON, S.C. (WCSC) — Folly Beach is preparing to ring in 2026 with its iconic Flip Flop Drop, drawing large crowds from across the nation and locals for the New Year’s Eve celebration.The city will welcome 2026 with New Year’s traditions starting with a fireworks show at 9 p.m. over the Atlantic, switching back to traditional fireworks after using drone lights last year. Center Street will close at 10 p.m. for the main event, when a giant pair of sparkly flip flops will descend from the sky at midnight.Th...
CHARLESTON, S.C. (WCSC) — Folly Beach is preparing to ring in 2026 with its iconic Flip Flop Drop, drawing large crowds from across the nation and locals for the New Year’s Eve celebration.
The city will welcome 2026 with New Year’s traditions starting with a fireworks show at 9 p.m. over the Atlantic, switching back to traditional fireworks after using drone lights last year. Center Street will close at 10 p.m. for the main event, when a giant pair of sparkly flip flops will descend from the sky at midnight.
The tradition is turning 15 years old and has become a trademark of the city known nationwide. Visitors say the fellowship at Folly Beach offers the perfect blend of party ambiance while remaining family-friendly.
“It’s definitely just nice not having like the too large of crowd in Times Square, you know, where you probably can’t even see the ball drop, so to say, where you know you’re anywhere over here, you’re going to be able to see. You’re going to get to be able to be a part of it. So I think that’s a pretty cool and unique sort of thing,” Joe Hilliker, a Folly Beach visitor, said.
Some celebrants are experiencing their first Flip Flop Drop, while others returned after last year’s event. Alexa Castillo and Tori Carter, Folly Beach partygoers, said they chose the location because they had heard good things about the Flip Flop Drop and love Folly Beach.
“Everyone is so friendly and welcoming, and we’ve met so many people just walking around…it’s about the community,” Castillo and Carter said.
Michele and Justin Sohl traveled from Chicago after discovering the event online while returning on a family trip, mentioning that the event was the first to pop up in their search bar.
“We were on our way back up from Jacksonville, going back to Chicago, and we’re looking for something awesome to do for New Year’s Eve, and the first thing that popped up was Folly Beach...I thought it was amazing. We can do it with the kids. We’re excited. We just jumped on Airbnb to see if we could find something. Found something down the street and booked something on the beach,” the Sohls said.
The Folly Beach celebration offers its take on the traditional ball drop with food, drinks and flip flops.
Festivities will continue into New Year’s Day with a costume contest at 11 a.m., followed by a polar plunge at noon. Visitors are encouraged to arrive early and celebrate responsibly.
Move over, Times Square. This Folly Beach restaurant will ring in 2026 by dropping a giant meatball.
Anna Sharpehttps://www.postandcourier.com/charleston_sc/folly-beach-meatball-drop-new-years/article_61129b4f-720f-4e5f-abc1-3fffe62feee2.html
FOLLY BEACH — A pizza restaurant on this barrier island will continue its quirky New Year’s Eve celebration with a ball drop — a meatball, that is.Woody’s Pizza has rung in the new year the same way for more than two decades.Just before midnight on the final night of the year, a crowd gathers around the restaurant on Center Street. As the city of Folly Beach hosts its annual Flip Flop Drop just down the road on Dec. 31, a giant meatball with fiery sparklers stuck into it is simultaneously lifted high int...
FOLLY BEACH — A pizza restaurant on this barrier island will continue its quirky New Year’s Eve celebration with a ball drop — a meatball, that is.
Woody’s Pizza has rung in the new year the same way for more than two decades.
Just before midnight on the final night of the year, a crowd gathers around the restaurant on Center Street. As the city of Folly Beach hosts its annual Flip Flop Drop just down the road on Dec. 31, a giant meatball with fiery sparklers stuck into it is simultaneously lifted high into the sky.
The countdown begins, and the dazzling meatball is then lowered, reaching the crowd as the year officially ends. The meatball typically meets an energetic crowd, with a few brave souls daring to take a bite out of the giant meatball.
But this year the tradition will look a little different. This year’s drop will feature a faux meatball, sculpted by Woody’s Pizza’s kitchen manager.
The tradition is beloved on the island, one that’s taken place in some form or fashion for roughly two decades, Woody’s Pizza owner Matt Gardner said. Gardner took over ownership of the pizza restaurant at the start of the year, taking the reins from previous owner Todd Webb.
Some years, the drop took place at the bar with a regular-sized meatball. Over the years, the drop grew into the offbeat event it is today.
“It just became over the years, bigger and bigger into what it is now,” Gardner said. “It's just a goofy thing that they like to do and people have really grown to enjoy watching it.”
The latest sculpture, though meatless, will be lit up and lowered onto the roof of the building instead of onto the sidewalk, Gardner said.
The changes come after last year’s drop was nearly shut down at the eleventh hour due to lack of permits. But this year, Gardner appeared before the city’s Special Events Committee to ensure the event could take place.
“Now that I'm taking it over, I said we'll do it the right way. We'll get a permit and make sure everybody's on board,” Gardner said.
Both the committee and Folly Beach City Council agreed to unanimously give Gardner the all-clear to host the meatball drop, on the condition that the restaurant hire additional security guards for crowd control.
“The committee is very pleased that the new owners are working with the City to ensure a safe and enjoyable event for all,” the committee wrote in a memo to city council in December.
The meatball drop will take place at Woody’s Pizza at 39 Center St. on Folly Beach just before midnight.
The island offers several other ways to celebrate the new year — Folly Beach style.
In addition to the meatball drop, Pier 101 Restaurant and Bar is hosting a beachfront fireworks show at 9 p.m. on New Year’s Eve.
The city’s annual Flip Flop Drop is another “funky Folly” tradition on the island that will feature a D.J. Center Street will shut down at 10 p.m. on Dec. 31 for the ceremonial lowering of the sparkling sandals.
And on Jan. 1, hundreds of people will dash into the chilly waters on Folly Beach for a polar plunge and Bill Murray lookalike contest at the Tides Hotel.
Folly Beach gears up for safe, fun New Year’s Eve with fireworks replacing drones
Jason Tighehttps://abcnews4.com/news/local/folly-beach-gears-up-for-safe-fun-new-years-eve-with-fireworks-replacing-drones
FOLLY BEACH, S.C. (WCIV) — One of the Lowcountry’s largest New Year’s Eve celebrations is set to return, continuing a tradition that blends fun with safety on Folly Beach.“We live in an island community, and we’re all about our flip-flops,” said Kelly Travers with the Folly Association of Business.Thousands of people are expected to gather along Center Street, where fireworks and a 10-foot-tall flip-flop will once again take center stage.“I think New Year’s Eve on Folly rea...
FOLLY BEACH, S.C. (WCIV) — One of the Lowcountry’s largest New Year’s Eve celebrations is set to return, continuing a tradition that blends fun with safety on Folly Beach.
“We live in an island community, and we’re all about our flip-flops,” said Kelly Travers with the Folly Association of Business.
Thousands of people are expected to gather along Center Street, where fireworks and a 10-foot-tall flip-flop will once again take center stage.
“I think New Year’s Eve on Folly really welcomes in the eclectic scene that we love,” Travers said.
The event typically draws large crowds eager to celebrate, and both the Folly Association of Business and the city’s Department of Public Safety say keeping attendees safe remains a top priority.
One safety-related change this year is the decision not to bring back a drone show following issues during last year’s event.
“We decided to go back to something we know: technology that’s safe and proven,” Travers said.
Fireworks will return in place of the drones.
City officials say law enforcement will be fully staffed, with additional resources brought in for the night. A key concern for officers is excessive drinking and impaired driving.
“New Year’s is one of those events where folks are having a good time, and in the past we’ve had a few people start the year on probation,” said Public Safety Director Chief Andrew Gilreath. “Don’t come out here and decide to ignore the rules that we have.”
Gilreath said he also expects Folly Beach businesses that serve alcohol to do so responsibly and urged attendees to have a plan to get home safely.
The fireworks show is scheduled to begin at 9 p.m. Closures along Center Street will start around 9:30 p.m. ahead of the annual Flip Flop Drop.
Folly Beach bar continues decades-old Christmas potluck tradition
Reese Thompsonhttps://www.live5news.com/2025/12/26/folly-beach-bar-continues-decades-old-christmas-potluck-tradition/
FOLLY BEACH, S.C. (WCSC) — As Christmas Day closes many doors, one remains open for those who may have nowhere to go.Planet Follywood, a bar and grill in Folly Beach, is carrying on a family tradition of a Christmas potluck, inviting new and familiar faces with a backstory that began in the 1960s.The tradition started when Florence O’Donnell was a U.S. Navy wife alone for Christmas, unable to see her family in Philadelphia. She went to the one place open in Folly.“She was at my mom and dad’s favor...
FOLLY BEACH, S.C. (WCSC) — As Christmas Day closes many doors, one remains open for those who may have nowhere to go.
Planet Follywood, a bar and grill in Folly Beach, is carrying on a family tradition of a Christmas potluck, inviting new and familiar faces with a backstory that began in the 1960s.
The tradition started when Florence O’Donnell was a U.S. Navy wife alone for Christmas, unable to see her family in Philadelphia. She went to the one place open in Folly.
“She was at my mom and dad’s favorite little local bar, which at that point in time was on Front Beach. And she was crying,” her daughter, Flossie O’Donnell, said.
She said the owner of the local bar found her mom heavy-hearted and decided to bring holiday spirit to her.
“The owner’s wife told her to basically buck up, which I think in today’s terms is to put on your big girl panties, and we will have Christmas dinner here,” Flossie O’Donnell said.
The tradition is still alive and well, carried on for generations at her grandson’s bar and grill. Planet Follywood has hosted the potluck for 20 years, bringing home to those away and near.
Pete Burbage now makes it a yearly custom, bringing the ham.
“Since my children are grown and I don’t do the at-home thing with presents and all anymore. This is a very special part of my Christmas,” Burbage said.
At the potluck, Florence O’Donnell takes donations for her charity organization, Folly Angels, helping those in need on Folly Beach.
The family hopes the tradition keeps going decades down the line.
“It’s a small business. It can be hard to keep the doors open,” Flossie O’Donnell said.
Rain or shine, first timer or a local, all can find a small but tight-knit community on Christmas Day.
Planet Follywood says as long as the establishment endures, so too will the tradition.