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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 Isle of Palms 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 Isle of Palms 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.

Health Insurance Agency Isle Of Palms, SC

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 Isle of Palms 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 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 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 Agent Isle Of Palms, SC

Health Insurance Solutions 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, we will provide you with a trusted health insurance agent in Isle of Palms 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 Isle of Palms you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

 Health Insurance Companies Isle Of Palms, SC
 Health Insurance Isle Of Palms, SC

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.

 Medical Insurance Isle Of Palms, SC
 Private Health Insurance Isle Of Palms, SC

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 Isle of Palms, 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.

Health insurance plans

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

Latest News in Isle of Palms, SC

Isle of Palms: Things to Do and See at This Coastal SC Beach

If you are planning a family vacation to the SC coast, a stellar beach to visit is Isle of Palms. Things to do at IOP near Charleston are endless. Isle of Palms is convenient, family-friendly, and fun. You can even make a fun day trip out of it! She shares all the information that you need, including things to do, where to eat, and how much parking costs if you’re just planning a quick day trip at this local South Carolina beach. About Isle of PalmsRecently my family traveled to Charleston to ...

If you are planning a family vacation to the SC coast, a stellar beach to visit is Isle of Palms. Things to do at IOP near Charleston are endless. Isle of Palms is convenient, family-friendly, and fun. You can even make a fun day trip out of it! She shares all the information that you need, including things to do, where to eat, and how much parking costs if you’re just planning a quick day trip at this local South Carolina beach.

About Isle of Palms

Recently my family traveled to Charleston to spend the day at Isle of Palms. Yes, you read that right – we went for the day. Isle of Palms is completely doable as a day trip. It’s perfect if you’re like me and live on a budget but long to breathe in the salt air.

Let me tell you, I was so impressed. There’s a quaint beachfront road lined with restaurants and shops. The shops are your typical beach shops filled with t-shirts, trinkets, and every size/shape boogie board to hit the market. You know, the kind of shops full of souvenirs found only on the coast.

There are also plenty of unique places to eat, a wonderful and clean beach, and fun shops to explore!

Isle of Palms: Things to Do With Your Family

One of the best things to do while in town is to head to the beach. The beach at IOP is flat, and there is plenty of room, even during high tide. The boys had a great time with boogie and skimboards. You can also spend the day looking for seashells, building sandcastles, or just enjoying the sounds of the Atlantic Ocean. You can occasionally catch live music right by the dunes!

South Carolina’s crazy weather pattern has created a more hazardous environment for swimmers, so always be cautious of rip tides. In the midst of your family fun, make sure to keep an eye on the colored flag at the lifeguard stand.

Big Family Day Trip Tip: Isle of Palms County Park

If you park at Isle of Palms County Park, you’ll have restrooms, outdoor showers, and changing rooms available to you. This is a big deal when you’ll have 3 hour plus ride back home!

The beach can get pretty crowded, especially on Saturday, so plan to get there early in the day if you want a large space on the beach to set up camp. If you are in need of chair and umbrella rentals, there is a company for that! You can rent surfboards, bikes, chairs, and umbrellas from IOP Beach Chair Co. They even rent accessible beach wheelchairs.

You’ll also find rentals for chairs, umbrellas and boogie boards available at a cart by the restrooms at Isle of Palms County Park.

Bonus tip: There is a Harris Teeter across the street from Isle of Palms park. It’s a good place to stop before the beach to load up on snacks, fruit, or even some pre-made sandwiches. You’ll save some money here over restaurants and beach carts!

There’s certainly no shortage of food choices. Whether you enjoy live music and seafood, or you’re looking for some good ol’ American burgers and fries, you will find a delicious meal at Isle of Palms. One of the most popular places is Acme Lowcountry Kitchen. They have mostly seafood options and use fresh and local ingredients, which would make for a great dinner after a long day on the beach. They also have a pretty decent kids’ menu, which is always a plus.

If you are looking for something delicious right off Ocean Boulevard, then Smugglers Island Eats and Raw Bar will hit the spot. They pride themselves on a family-friendly atmosphere with a casual vibe. Smugglers, of course, offers seafood like fried shrimp baskets but also has smash burgers and vegetarian options if you want something else. Their frozen daiquiris are delicious by the way!

One of the most popular beach restaurants in IOP is Coconut Joe’s Beach Grill. They have lots of seafood dishes like crabcakes and shrimp and grits that are delicious, but they also have burgers and sandwiches. The restaurant is located by the ocean on Ocean Boulevard and offers a rooftop bar for patrons to enjoy a delicious cocktail while taking in the sunset over the Atlantic Ocean.

If you are a nature lover, then going on an ecology tour of the waterways and marshes near IOP would be a perfect addition to your trip. Barrier Island Eco Tours has public tours that are guided by a naturalist and include boat excursions, dolphin tours, an exploration of Capers Island, and more. You are certain to see lots of sealife on your excursion, and it is a wonderful way to learn more about the SC coast while also having a blast. The company offers public trips, private charters, school trips, and special events throughout the year.

Isle of Palms Beach Parking

The beachfront Isle of Palms County Park offers great parking, snack bars, restrooms, and beach access. Admission prices vary depending on the season but car prices do not exceed $15 during the week, and $20 on Saturday. If Saturday is your only option for travel, you’ll want to get an early start. The County Park lot will fill up, I promise. I’m speaking from experience.

Parking on the street is an option, but the spaces are limited on the weekends. There are electronic pay-boxes along the sidewalk, so make sure to have a card handy (it’s inexpensive). We lucked out with a spot on the street directly in front of beach access with a clean bathhouse.

Between the County Park and plenty of public beach access, you can’t go wrong with a trip to the Isle of Palms. Whether you are renting a home, having a day trip, staying at Wild Dunes Resort, or vacationing at one of the few hotels in town, you are certain to find your Isle of Palms vacation worthwhile.

Visit the Isle of Palms website for more information on where to eat, what to do, and where to stay if you need more than a day trip.

Find a Place to Stay in Isle of Palms

Use the map below to find the perfect place to stay in Isle of Palms. Kidding Around earns when you book through these links through an affiliate relationship with Stay 22.

What’s your favorite thing to do when visiting the Isle of Palms?

Are you a beach lover?

Check out our list of the 20 Best Beaches in the Southeast!

Charleston Beach Foundation asks Isle of Palms, SCDOT to revoke parking plan

ISLE OF PALMS, S.C. (WCSC) - The Charleston Beach Foundation is asking the city of Isle of Palms and South Carolina Department of Transportation to revoke current parking plans along beach access points.The group disclosed its concerns in a letter on November 27, claiming the “general public is being denied their constitutional guaranty of equality and privilege.”Isle of Palms City Council put the regulations into place in 2015 with the goal of making the beaches functional and safe.The 2015 parking plan, ame...

ISLE OF PALMS, S.C. (WCSC) - The Charleston Beach Foundation is asking the city of Isle of Palms and South Carolina Department of Transportation to revoke current parking plans along beach access points.

The group disclosed its concerns in a letter on November 27, claiming the “general public is being denied their constitutional guaranty of equality and privilege.”

Isle of Palms City Council put the regulations into place in 2015 with the goal of making the beaches functional and safe.

The 2015 parking plan, amended in 2017, cost $250,000 in taxpayer dollars and is modeled off similar plans in both Charleston and Columbia.

The city claims the plan was made to manage “unbridled growth” in the region, both nearby in Charleston and further out in the Lowcountry.

Activists say it does not match up with the increase in commercial use of the island or overall population growth.

“Revoke the 2015 parking plan on Isle of Palms, return all residential-only parking spaces on both Sullivans Island and Isle of Palms back to the general public,” Michael Barnett says.

Barnett says the plan eliminated a number of free spots and instead gave them to short-term rentals in nearby neighborhoods.

The Charleston Beach Foundation also claims the area has since become a hot spot for commercial use, with the city voting in a referendum on Nov. 7 to not limit short-term rental licenses.

“They were really the first to do it. They started to do it piece by piece, which really got my attention because I was a surfer,” Barnett says. “Businesses are operating in these areas. Not basically, they are. They’re not residential neighborhoods anymore.”

City officials weighed in on the matter.

“We are very much a residential community. Certainly, in season, we have a lot more visitors than we do residents. But we provide eight times the among of parking required by the state,” Isle of Palms Mayor Phillip Pounds says.

Pounds says the island offers an abundance of free parking with the current plan, scattered around 56 beach access points.

“It’s not about increasing revenues, being punitive. It’s about making sure every spaces available can be used properly.”

The foundation mentioned encroachment and “excessive fines” as to why the plan should be reworked.

“Why would a parking ticket for parking in a residential area, or having your tires on the road, be 3x the state average on Isle of Palms?” Barnett says.

Pounds says the plan is set in place for now.

“We can’t do anything without approval and oversight, and we have a really good relationship with SCDOT. If there were any changes we were looking to make, we’d certainly have to work in conjunction with them,” Pounds says.

The SCDOT and Isle of Palms City Council both say they are starting the initial review process for the Charleston Beach Foundation’s request.

Copyright 2023 WCSC. All rights reserved.

Isle of Palms city council approves additional funding for erosion control

ISLE OF PALMS, S.C. (WCBD)- Erosion on the Isle of Palms continues to be a big concern for IOP city leaders and property owners.Council members, the mayor and coastal engineering experts met Tuesday afternoon to discuss short term solutions.The issue is so urgent that city leaders took action, approving more than a million dollars to fund short-term solutions for the erosion.Beach erosion has long been a problem on the Isle of Palms“There’s a lot of concern,” City councilmember Rusty Streetman sa...

ISLE OF PALMS, S.C. (WCBD)- Erosion on the Isle of Palms continues to be a big concern for IOP city leaders and property owners.

Council members, the mayor and coastal engineering experts met Tuesday afternoon to discuss short term solutions.

The issue is so urgent that city leaders took action, approving more than a million dollars to fund short-term solutions for the erosion.

Beach erosion has long been a problem on the Isle of Palms

“There’s a lot of concern,” City councilmember Rusty Streetman said.

However, the city says it’s starting to get worse.

“Some of our residents down there have hit the critical line of 20 feet, water within 20 feet of their structure,” Mayor Phillip Pounds said.

The city has no control over one of the major causes of the erosion, king tides.

“Tides were supposed to be 6 and a half feet and with the winds and waves, it was about 8 and half, so pretty significant difference than what we were expecting,” Pounds said.

However, what leaders say they can control, is their response to the issue.

Pounds said, “We need some immediate relief and some immediate guidance to our residents down there on what they can and can’t do.”

“Beach erosion will always be here, it’s a fact of life. We live with it so we just have to try and plan as well as we can to handle that,” Streetman said.

The city approved about one and a half million dollars to continue digging sand from the shoreline for dune renourishment.

It’s a project that has been ongoing since tropical storm Idalia hit in August.

They also say they’ll use that money to bring in more sand if needed and provide sandbags for residents who need them.

Streetman said, “We also have a beach renourishment fund that is taxed onto the accommodations tax, that is targeted just for beach renourishment.”

In January, a long-term renourishment project in partnership with the Army Corp of Engineers will begin.

They’re going to rebuild some of the beach in hopes of mitigating erosion for years to come.

Isle of Palms continuing work on beach repairs after Idalia

ISLE OF PALMS, S.C. (WCSC) - Isle of Palms city crews are working diligently to restore the beach after it experienced heavy erosion during Tropical Storm Idalia.The loss of tons of sand to erosion means the drop off between the access points and the beaches can reach several feet, making it dangerous for people to reach the beach from these points.Until the restoration of the beach is completed, Public Beach Access 1B, 2A, and 3A will be closed until further notice.“The cleanup will happen over the next couple of ...

ISLE OF PALMS, S.C. (WCSC) - Isle of Palms city crews are working diligently to restore the beach after it experienced heavy erosion during Tropical Storm Idalia.

The loss of tons of sand to erosion means the drop off between the access points and the beaches can reach several feet, making it dangerous for people to reach the beach from these points.

Until the restoration of the beach is completed, Public Beach Access 1B, 2A, and 3A will be closed until further notice.

“The cleanup will happen over the next couple of days and then next week we’ll start doing scrapping at low tide to bring some of the sand back up,” Isle of Palms Mayor Phillip Pounds said. “And build a dune in front of these people’s houses to protect them for the rest of the hurricane season.”

Not only is it hurricane season, but it’s also sea turtle nesting season. Inclement weather can leave turtles exposed, but Pounds said the city is doing all it can to keep the turtles protected.

“You’re not in the dunes and hopefully not disturbing the nest,” Pounds said. “Our turtle team does a great as far as marking the nest or moving them when they feel like they’re in harm’s way. So, it’s very coordinated with our local turtle team as well as the South Carolina Department of Natural Resources to make sure they’re aware of what’s going, you know?”

Despite the city not receiving federal funding, city leaders have managed to receive an emergency permit from the Office of Ocean and Coastal Resource Management to begin restoration work Tuesday.

Pounds stresses the importance of maintaining safety before heading into Labor Day weekend.

“So, we just ask folks to be respectful of the workers that’ll be coming in and out of here. There’s going to be trucks and bulldozers and all kind of stuff going on. So just watch out and be careful,” Pounds says. “Our guys will be out here next week with the bulldozers when most of our summer crowd is gone. So, the timing is decent from that standpoint, we just need to get protection on the beach for these folk’s home as soon as we can.”

Copyright 2023 WCSC. All rights reserved.

Charleston Beach Foundation calls for Isle of Palms to revoke parking plan

ISLE OF PALMS, S.C. (WCBD)- Parking on the Isle of Palms continues to be a contentious topic.Some saying that a parking plan approved by the South Carolina Department of Transportation in 2015 which established resident-only parking zones needs to be revoked.The parking plan that was approved in 2015 eliminated a significant number of free parking.The approval was unpopular among the Charleston Beach Foundation, a group that advocates for more public access to the beaches, when it was first approved.Now, this plan...

ISLE OF PALMS, S.C. (WCBD)- Parking on the Isle of Palms continues to be a contentious topic.

Some saying that a parking plan approved by the South Carolina Department of Transportation in 2015 which established resident-only parking zones needs to be revoked.

The parking plan that was approved in 2015 eliminated a significant number of free parking.

The approval was unpopular among the Charleston Beach Foundation, a group that advocates for more public access to the beaches, when it was first approved.

Now, this plan is now receiving renewed pushback.

“For Isle of Palms to eliminate parking in those right of ways is wrong to begin with and probably unconstitutional,” Parking advocate, Michael Barnett said.

Barnett, who started a petition over beach restrictions in the Lowcountry, says this parking issue has come up again after Isle of Palms voted to deny the short-term rental cap.

Barnett said, “The Isle of Palms is allowing short term rentals throughout the island, essentially making the residential only districts, commercial districts.”

Monday morning, Myra Jones with the Charleston Beach Foundation sent the City of Isle of Palms a letter, asking for the plan to be revoked, arguing IOP no longer has legitimate “residential” areas since the resolution to cap short-term rentals on the island failed.

“So, the SCDOT needs to now go back, review the 2015 parking plan, request that the Isle of Palms redo the parking plan, and they need to give back all residential only parking, they need to give back all 3,000 parking spaces that they took in 2015,” Barnett said.

Isle of Palms city council members are fighting back.

Councilman Blair Hahn providing a statement reading, “In response to Myra Jones’ letter to City council dated November 27th, 2023, full council has not had an opportunity to discuss. However, Ms. Jones’ continued attempts to characterize the Isle of Palms as not resident friendly, not tourism friendly, not visitor friendly is nonsensical. Isle of Palms provides 8 times more public beach parking than is required by the SC Beach Front Management Act and more public parking per mile of beach than any other community in South Carolina.

Ms. Jones has previously taken her grievances to the South Carolina Courts and has lost. In my opinion, this is nothing more than another attempt of Ms. Jones to ignore the laws of the State and attempt to force her will on Charleston beach communities.

IOP city council members say they plan to discuss this more in future council meetings.

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