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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 Hanahan 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 Hanahan 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 Hanahan 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.

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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 Hanahan 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 Hanahan 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 Hanahan, 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 Hanahan

Hanahan Middle School’s first year principal brings new initiatives

HANAHAN, S.C. (WCSC) - Hanahan Middle School is hiring a new, first year principal from within the Berkeley County School District.Kelli Roberson has been with Berkeley County Schools for 20 years, and the district says she starts her first school year as a principal on Monday.Roberson did her student practicum at Hanahan Middle when she was a student at the College of Charleston. So she says her new role as principal is a full circle moment.This year she’s launching “flex time.” she says it’s an ...

HANAHAN, S.C. (WCSC) - Hanahan Middle School is hiring a new, first year principal from within the Berkeley County School District.

Kelli Roberson has been with Berkeley County Schools for 20 years, and the district says she starts her first school year as a principal on Monday.

Roberson did her student practicum at Hanahan Middle when she was a student at the College of Charleston. So she says her new role as principal is a full circle moment.

This year she’s launching “flex time.” she says it’s an allotted amount of time after lunch for intentional and purposeful intervention. This allows teachers to assess where students are in their education, as well as socially and emotionally. Roberson says it also gives teachers time to discuss areas they would like to improve.

The Hanahan Middle School guidance department is also implementing what they call minute meetings, Roberson says. Guidance counselors will meet with every student for at least one minute at the beginning of the year, making sure kids have a one-on-one conversation with a counselor.

“Well, for some of our kids, they haven’t been inside a school building in 18 months. So, it’s just, you know, not only are we going to be thinking about their academics, but we’re having to re-teach the norms of being around people and being connected to others,” Roberson said. “I’m sure they’ve missed that, I think teachers, adults missed it when we were not in a building with one-another, so it’s just a way to continue to build those connections.”

She adds that there are some learning methods that were advanced during the pandemic that they plan to keep in place.

“I think just using technology as a means of, especially when students are out and absent, knowing that we can still provide that instruction when students aren’t present in the building, whatever that reason might be,” Roberson said. “And it’s also just using the tools that are available just to make sure all students have access to notes and any kind of resources they can use to go back and re-learn something or just as a reminder, it’ll help them do the work that they need to do.”

Roberson says there’s a lot of history and community support around Hanahan Middle School which is encouraging for this first-time principal.

Copyright 2021 WCSC. All rights reserved.

NEXT WEEK: South Carolina Communities Bring Hope, Can-Do Attitude to School Choice Week Celebrations

COLUMBIA, S.C., Jan. 20, 2022 /PRNewswire/ -- Kids learn differently, so families need options when it comes to education. That's the message South Carolina families and educators are bringing to their celebrations of National School Choice Week 2022.South Carolina schools, organizations, and individuals are planning 457 celebrations for the Week, which will feature more than 26,000 activities nationwide. One of the biggest events in South Carolina will be a school choice fair in Charleston, where families can pick up free school supp...

COLUMBIA, S.C., Jan. 20, 2022 /PRNewswire/ -- Kids learn differently, so families need options when it comes to education. That's the message South Carolina families and educators are bringing to their celebrations of National School Choice Week 2022.

South Carolina schools, organizations, and individuals are planning 457 celebrations for the Week, which will feature more than 26,000 activities nationwide. One of the biggest events in South Carolina will be a school choice fair in Charleston, where families can pick up free school supplies, on Saturday, Jan. 22.

The Week's celebrations focus on community building, sharing student and teacher successes, and raising awareness about how to put kids first when it comes to education. The goal? Supporting families and highlighting schools so more kids can find learning fits where they thrive.

Here in South Carolina, there are a variety of educational options to attend including: traditional public schools with open enrollment at the discretion of each district, charter schools, magnet schools, online learning, private schools, and homeschooling. In South Carolina, students with disabilities may qualify for a state-run scholarship program.

To raise awareness about these options, Gov. Henry McMaster has officially proclaimed South Carolina School Choice Week. Across the state, additional communities are celebrating School Choice Week by formally proclaiming it, including the cities of McCormick, Mount Pleasant, Mullins, Chapin, Hanahan, and Hardeeville, as well as the county of Calhoun.

"For families in South Carolina and across the U.S., the process of choosing a school is too often a stressful one," said Andrew Campanella, president of National School Choice Week. "With clear resources and support, navigating your child's education can be a hope-filled, positive experience, and School Choice Week is a time to encourage that."

Local celebrants are available to discuss their plans with reporters upon request. For more information, send us the specifics of your coverage area at pressoffice@schoolchoiceweek.com, or preview a sampling of South Carolina events at schoolchoiceweek.com/south-carolina.

National School Choice Week shines a spotlight on effective K-12 education options for children, focusing equally on traditional public, charter, magnet, online, private, and home education options. Every January, participants plan tens of thousands of celebrations –– such as school fairs and open houses–– to raise awareness about school choice across all 50 states. School Choice Week also develops resources and guides to K-12 education for families. As a not-for-profit effort, the Week is nonpolitical and nonpartisan and does not advocate for legislation. For more information visit schoolchoiceweek.com.

Leaders break ground on new 53-acre park in Hanahan

HANAHAN, S.C. (WCBD) – A new multi-use park is being constructed in Hanahan. It comes after more than 75% of voters approved a bond referendum for the project back in November.The brand new 53-acre park is located next to Bowen’s Corner Elementary and will serve several purposes in the Hanahan community.“We are just so excited about this new park,” said Hanahan Mayor Christie Rainwater. “When the federal government partnered with us and donated the land, it had to be used for parks and rec. It was ...

HANAHAN, S.C. (WCBD) – A new multi-use park is being constructed in Hanahan. It comes after more than 75% of voters approved a bond referendum for the project back in November.

The brand new 53-acre park is located next to Bowen’s Corner Elementary and will serve several purposes in the Hanahan community.

“We are just so excited about this new park,” said Hanahan Mayor Christie Rainwater. “When the federal government partnered with us and donated the land, it had to be used for parks and rec. It was exactly what the city of Hanahan needed.”

The last time Hanahan opened new ballfields there were only 13,700 people in the town. Now, about 29,000 call Hanahan home.

“There will be tennis courts, an artificial turf field, ballfields, a dog park, fishing pond, picnic spaces – you name it,” said Mayor Rainwater. “Everything that you would love to see in a park will be here.”

The project will cost more than $11 million. The Berkeley County School District agreed to pay nearly $1 million for artificial turf on a field so that it could be used as a practice field.

“We will partner with them to make sure they now have the things they need to play their sports,” the mayor said.

Berkeley County Supervisor Johnny Cribb said Hanahan has been working on the project for some time, even during the full ten years he was town administrator.

“It’s critical because it’s a quality-of-life project,” he said. “If you’re going to be a vibrant city, a vibrant community, people are looking for parks and recreation- do you want to draw in young families, do you want to be able to keep the families that you’ve drawn in?”

Bryce Florie grew up in Hanahan and has coached kids in the area, He said this is a great project.

“Just the way the community has grown and the need for it- it’s so important and the way the city came together… it’s a good place for everyone,” he said.

Mayor Rainwater hopes to have the park finished a year from now. The park has not yet been named.

Berkeley County wrestlers win 8 classes in Parker Invitational

The Skip Parker Invitational tournament presented area grapplers with a chance to test themselves in a bracket format at Fort Dorchester High School on Jan. 8.Wrestlers vied for titles in 14 weight classes while also earning points for their respective teams.Hanahan was the team winner, compiling 147 points to edge runner-up Socastee by 5½ points. The host team placed third with 123 points, followed by Bishop England and Cross to round out the top five.The tournament honors former Fort Dorchester coach Skip Parker...

The Skip Parker Invitational tournament presented area grapplers with a chance to test themselves in a bracket format at Fort Dorchester High School on Jan. 8.

Wrestlers vied for titles in 14 weight classes while also earning points for their respective teams.

Hanahan was the team winner, compiling 147 points to edge runner-up Socastee by 5½ points. The host team placed third with 123 points, followed by Bishop England and Cross to round out the top five.

The tournament honors former Fort Dorchester coach Skip Parker, who lost a long battle with cancer in the summer of 2020 not long before his 50th birthday. Parker was also a former wrestler and football player at Summerville.

Parker served in the U.S. Marine Corps and volunteered time to several causes including Toys for Tots and Community Clean Up.

Wrestlers from the Berkeley County School District found the top of the podium in eight weight classes.

Cross led the BCSD in individual winners: Cameron White (145), Antwain Hoskins (152) and Amonte McCray (285).

Hanahan and Berkeley won a pair of weight classes. Gavin Qualls (132) and Kevon Rivera (220) rose to the challenge for the Hawks. Luke Gadsden (182) and Storm Judy (195) captured crowns for Berkeley.

Philip Simmons’ Dustin McDonnell finished first at 120.

The Hawks also snagged five runner-up finishes.

Team scores

Hanahan 147, Socastee 141.5, Fort Dorchester 123, Bishop England 103.5, Cross 92, Philip Simmons 86, South Florence 63.5, Berkeley 54.

Individual (Top 3)

106 – Richard Springs (FD), Carson Port (S), Alex Watson (PS).

113 – Nathan Gates (FD), Alex Weslanski (H), Jimmy Chambers (PS).

120 – Dustin McDonnell (PS), Wilson Dotter (H), Caleb Wilson (FD).

126 – Camren Knapper (S), Sam Cherichello (BE), Jacob March (C).

132 – Gavin Qualls (H), Holden Teufel (BE), AJ McClanahan (PS).

138 – Edwin Barros (S), Joshua Shomate (SF), Cayman MacIver (BE).

145 – Cameron White (C), Ethan Jones (H), Conner Maxwell (S).

152 – Antwain Hoskins (C), Dixon Hardy (BE), Frederic Brown (FD).

160 – Omari Taylor (S), Thomas Curl (BE), Jeremiah Mitchell (SF).

170 – Arber Lekanki (S), Sloan Casteel (H), Isaac Schimpf (PS).

182 – Luke Gadsden (B), Trokel Prew (SF), Will Denard (H).

195 – Storm Judy (B), Jonathon Tumbri (H), Zane Prioleau (FD).

220 – Kevon Rivera (H), Jaylen Morris (FD), Cole Prieditisch (BE).

285 – Amonte McCray (C), Landon Whitlock (FD), Brandon Arronis (B).

Cane Bay 64, Wando 16

In a Region 7-AAAAA wrestling match on Jan. 6, Cane Bay coasted past visiting Wando, 64-16.

Cane Bay’s winner were Noah Outen (106), Madeline Bowlin (113, forfeit), Jay Peace (120, major), Delshaun Peace-Robinson (126, fall), Caiden Saavedra (132, fall), Asher Honea (138, fall), Tyler Wall (160, fall), Jaden Ussery (170, fall), Collin Mueller (182, fall), Will Coker (220, fall) and Jayden Ferguson (285, fall).

Female wrestlers on the rise: More girls competing, winning for high school teams

The number of females on high school wrestling teams continues to grow across South Carolina, and in the Lowcountry more than a dozen girls are participating in what remains a male-dominated sport.Thomas Bell, president of the S.C. High School Wrestling Coaches Association, said there were 114 girls wrestling on high school teams statewide a year ago, and that number has increased this season.Last season, Hilton Head freshman Zao Estrada became the first female to record a win at the S.C. High School League state tournament. In...

The number of females on high school wrestling teams continues to grow across South Carolina, and in the Lowcountry more than a dozen girls are participating in what remains a male-dominated sport.

Thomas Bell, president of the S.C. High School Wrestling Coaches Association, said there were 114 girls wrestling on high school teams statewide a year ago, and that number has increased this season.

Last season, Hilton Head freshman Zao Estrada became the first female to record a win at the S.C. High School League state tournament. In fact, Estrada posted two wins (both pins) in the state tournament and finished third overall in the Class AAAA 106-pound weight class.

Female wrestlers usually compete against boys. There are some opportunities developing for girls to compete against other girls. The prestigious Bearcat Invitational tournament in Rock Hill had a separate girls division this year. Four girls from Ashley Ridge High School participated in the girls open tournament.

This weekend, the Carolina Invitational middle school and junior varsity state tournament will be held at Lexington High School. There will be a girls division in the tournament, which will act as an unofficial state tournament since the S.C. High School League does not yet offer a state tournament for girls. Girls are permitted to participate in the boys tournament.

Two weeks ago, James Island freshman Jesse Kemp made news by becoming the first female to win a Charleston County championship, winning the 106-pound weight class.

Perhaps the top female wrestler in the area is Cane Bay freshman Madeline Bowlin, who has been a regular this season in the boys lineup at 106 pounds. Bowlin won her first 12 matches this season and has 14 wins overall. She is one of four females on the Cane Bay wrestling team.

“Madeline has earned the respect of the guys because she comes every day and works just as hard as they do,” Cane Bay coach Tim Wash said. “She loves to compete. She takes wrestling very seriously.”

Bowlin took up the sport four years ago, joining a club program in Summerville. She was able to learn the sport quickly and fell in love with the competition aspect of the sport.

“I just really enjoyed competing and my love grew the more I wrestled,” Bowlin said. “It’s fun for me to participate in a boys sport. It’s fun to show that I can compete with them and that I will work as hard as they do to be good at it.”

It is not unusual for Bowlin to hear giggles and jokes when she walks on the mat to compete against a male wrestler.

“There have been some but I think mostly the guys respect me as a wrestler,” said Bowlin, who is home-schooled. “It just makes me want to try even harder. If I lose, I learn. So I am learning and gaining experience every day.”

State wrestling rankings

The most recent statewide rankings of wrestling teams was released last week. In Class AAAAA, Ashley Ridge is ranked second and Summerville is ranked third. They wrestle each other on Thursday night.

Cane Bay is ranked 14th in AAAAA, followed by Wando at No. 17 and Goose Creek at No. 20.

Hanahan is ranked 11th in Class AAA with Academic Magnet checking in at No. 20.

In the Class AA/A rankings, Timberland is ranked second while Cross is ranked eighth. Philip Simmons is ranked ninth.

Lowcountry basketball rankings

Fort Dorchester is ranked No. 1 in this week’s Lowcountry high school basketball boys rankings. The No. 1 girls team is Northwood Academy.

Top 10 Boys Teams

1. Fort Dorchester

2. First Baptist

3. Philip Simmons

4. Woodland

5. Cane Bay

6. Goose Creek

7. Lucy Beckham

8. Oceanside Collegiate

9. Pinewood Prep

10. James Island

Top 10 Girls Teams

1. Northwood Academy

2. First Baptist

3. Cane Bay

4. Summerville

5. Philip Simmons

6. Military Magnet

7. Fort Dorchester

8. Stratford

9. Stall

10. Timberland

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