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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 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 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 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.

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 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 Team will find a plan that caters to your current needs and future endeavors. Common health insurance plans for self-employed people include vision, life, dental, and stand-alone prescription coverage. We also offer major medical, supplemental, short-term, and fixed-benefit plans at a range of prices that you can afford.

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Small Business

Offering health insurance to your employees is one of the best ways to keep your team happy and attract diligent workers to your company. If you are a business owner who wants to provide health insurance to your employees but cannot do so because the cost of benefits is too high, worry not. Our experienced health insurance agents will work directly with your employees to help them find the coverage they can afford. We also offer hybrid plans that can be customized so that both you and your employee’s needs are met. Whether you need a major medical package or voluntary benefits only, the Health Insurance Solutions Team has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.

plane departure

Travelers

If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler’s insurance can help minimize expensive cancelation fees and costs.

Health Insurance Solutions Team for Individual and Family Health Insurance

Health Insurance Solutions Team for Individual and Family Health Insurance

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Most Popular Types of Coverage

Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions Team, we will provide you with a trusted health insurance agent in 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.

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 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.

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 Isle of Palms

Scott Pierce Places Bid In Isle Of Palms Special Election

Following statement provided by the candidate With Phillip Pound’s transition to his role as Mayor of Isle of Palms, I will be running for the open Council seat in the April 5 election. I’d first like to extend sincere gratitude to our City Council and Administration. You served endless hours over the past few years addressing pressures of not only day-to-day operations of the City, but also dealing with often conflicting demands of residents, businesses, visitors, surrounding communities, and State/Federal issues...

Following statement provided by the candidate

With Phillip Pound’s transition to his role as Mayor of Isle of Palms, I will be running for the open Council seat in the April 5 election. I’d first like to extend sincere gratitude to our City Council and Administration. You served endless hours over the past few years addressing pressures of not only day-to-day operations of the City, but also dealing with often conflicting demands of residents, businesses, visitors, surrounding communities, and State/Federal issues. The Covid pandemic magnified the obvious, way beyond our city limits – we’re very fortunate to live in a unique paradise, where all want to enjoy, live and access freely. Our community continues to face challenges and opportunities from accelerating regional growth. We’ll need to collaborate with residents, local businesses, other municipalities, and representatives/agencies at the County, State and Federal levels to address the impacts. I believe representation is your voice being clearly heard and reflected in sound public policy, actions and results.

As your representative, my commitment and goals are straightforward:

• Protect our quality of life

• Provide proactive, respectful, objective, and accountable leadership for effective governance

• Be transparent & responsive

• Keep our community safe

My community involvement offers a strong foundation to serve you. Over the years, I’ve attended innumerable Council and community meetings to help address neighborhood concerns, parking, public safety and provide assistance with City budget preparations. I currently serve on the IOP Planning Commission. It’s a privilege to work collaboratively with teams of resident professionals, addressing island issues including drainage projects, sewer & septic challenges, IOP’s Comprehensive Plan, and most recently resident Livability impacts of short-term rentals. Other community participation includes: addressing environmental concerns, identifying potential traffic & parking solutions, Adopt-a-Highway, IOP charity runs & beach sweeps, transparency efforts, Exchange Club member, Barrier Island Preservation Alliance supporter, sponsor of IOP’s Law Enforcement Neighborhood Support (LENS) program, Marina free access & greenspace, and VFW auxiliary member. As personal background, my wife Jennie and I have been married for over 35 years. We have two wonderful children who live out West and all our other relatives live in the Carolinas and Georgia. Our frequent visits, plus the warm reception we received while making the Isle of Palms our winter/ spring home for several years, led us to make the Isle of Palms our permanent home in 2015. My qualifications and skills to serve you include 28-years as an executive with Verizon, including responsibility for global operations, customer service, mergers & acquisitions, division CFO, supply chain, procurement, systems implementation, and disaster recovery.

Since retiring from Verizon in 2011, I have owned and operated a management consulting firm, focused on delivering Fortune 25 enterprise systems. I am a CPA, CFP®, and retired Registered Investment Advisor. I enjoy assisting entrepreneurs launch new businesses and am a partner in a LEED certified data center. I have a BS in Accounting, and an MBA in Decision Science & Finance. I would be honored to represent you on Council and feel free to contact me anytime. I ask for your vote on April 5.

For more information, contact scott. pierce@prodigy.net.

Editor’s Note: The last day to register for IOP’s special election is March 5, 2022. Election date: April 5, 2022.

South Carolina Professional Firefighter Association raises concern about low IOP pay

ISLE OF PALMS, S.C. (WCIV) — The South Carolina Professional Firefighters Association said the wages for the Isle of Palm Fire Department are not high enough.Th...

ISLE OF PALMS, S.C. (WCIV) — The South Carolina Professional Firefighters Association said the wages for the Isle of Palm Fire Department are not high enough.

The city of Isle of Palms said the lowest paid firefighter earns $12.55 an hour.

"They are not paying well. And they are not paying down the road, people are realizing it," said William Pesature, Vice President of the SC Professional Firefighter Association.

Pesature said in the firefighting world you want to build a team that has experience, training and standing.

He said the Isle of Palms is not doing that for their firefighters and a change needs to be made when it comes to pay.

He said the department has two problems: no fire chief for the last eight months and the firefighter pay rate.

"You should be able to afford a decent wage for your firefighters so that they want to stay there. If you have one of the richest cities in the state, and you are not taking care of your first responders? What's going to happen to your in an emergency situation?" he said.

Pesature said the issue should concern taxpayers on the island because when someone leaves the department the city has to pay to train a new employee.

"Training is very expensive. Because they have to pay for a person to go to school and then when they are supposed to be in the fire house (and) they have to pay someone overtime to cover their spot to maintain the standards of staffing," he said.

Read More: New signs going up at Johns Island bus stop to remind drivers to stop for school buses

ABC News 4 reached out to the city for comment. Desiree Farago, the city administrator said in part, "The City is in the process of finalizing a wage and compensation analysis with the goal of identifying market based and competitive wages for all City positions. We expect the report and recommendations for adjustments will be in place before the end of the year."

"We have also collected feedback from every member of the fire department regarding how we reward high performance and increase wages throughout their tenure with the city that will be incorporated into new compensation policies," John Moye, an IOP councilman, said.

Moye said the consultant's leading the wage compensation plan should be presenting to council sometime in September.

CARTA’s summer beach shuttle from Mount Pleasant to Isle of Palms will be free

MOUNT PLEASANT — A summer weekend shuttle bus from Mount Pleasant to the Isle of Palms beachfront will start running May 29, and thanks to just-announced funding from the two municipalities it will be free to ride. CARTA will run a free weekend beach shuttle, May 9 to Sept. 6, from Market Center Boulevard in Towne Centre to the 9th Avenue beach access on the island. SOURCE: ESRI | BRANDON LOCKETT | THE POST AND COURIER The shuttle will run hourly on Saturdays and Sundays through Sept. 6 from a stop...

MOUNT PLEASANT — A summer weekend shuttle bus from Mount Pleasant to the Isle of Palms beachfront will start running May 29, and thanks to just-announced funding from the two municipalities it will be free to ride.

The shuttle will run hourly on Saturdays and Sundays through Sept. 6 from a stop at the Towne Centre shopping area in Mount Pleasant to the Isle of Palms beach access at Ocean Boulevard and 9th Avenue.

The shuttle will also run on Memorial Day and on Labor Day.

“With this service in place for the season, access to the ocean has never been greater for residents of the region,” said Mike Seekings, chairman of CARTA’s board.

When the Charleston Area Regional Transportation Authority originally announced updated plans for the shuttle May 19, the short trip from Towne Centre to the Isle of Palms beach was going to cost riders $4 round-trip.

That’s because IOP at that time hadn’t committed to contribute funding.

“To date, the City of Isle of Palms has declined to contribute any funding to the Beach Reach shuttle service, which the city requested,” CARTA spokesman Daniel Brock said.

The transit advocacy group Best Friends of Lowcountry Transit also criticized the lack of financial support from Isle of Palms needed to make the shuttle free for riders.

But the following morning, May 20, Isle of Palms agreed to contribute $8,000 toward the cost of the shuttle — matching an equal contribution from Mount Pleasant — and CARTA said the shuttle would be free.

“We’ll definitely match Mount Pleasant’s because we want this to be successful,” said IOP Administrator Desiree Fragoso. “It’s something the city has been advocating and we’re happy that people are embracing different modes of transportation.”

She said the funding issue had been a miscommunication.

The summer shuttle will cost an estimated $24,000 to run, with CARTA, Mount Pleasant and Isle of Palms each paying $8,000.

CARTA did a test-run of the beach shuttle in the fall. It was prompted, in part, by Isle of Palms’ plan to eliminate much of the free parking at the beach — a plan that was later quashed by the S.C. Department of Transportation.

Brock said that although there’s more free parking at the beach than expected, the Beach Reach shuttle still serves an important need by increasing access to the beach for the area’s growing population.

William Hamilton, executive director of Best Friends of Lowcountry Transit, said the connection will allow some area residents to visit the beach for the first time. The shuttle will be coordinated with the existing Route 40 and Route 42 buses.

“Before this summer is over, we’ll be taking families with children to the beach on this bus who have never seen the ocean,” he said.

Hamilton noted that the bus stop on Isle of Palms has no seating or shade, and said he hopes the city will work on that.

Fragoso said the city will “be looking at what can be done to address that.”

The 9th Avenue beach access is two blocks south of the island’s beachfront commercial area, where there are shops, restrooms and beach showers.

The hourly shuttle will depart Towne Centre, from a stop on Market Center Boulevard near the Belk Men’s store starting at 9:15 a.m. The last return bus from Isle of Palms will leave at 5:35 p.m.

Riders will need to wear masks, shoes, shirt and pants, or beach cover-ups. Coolers will be allowed, but not bulky items such as surfboards or large beach umbrellas.

Route details and bus tracking will be available on the free Transit App, which can be downloaded from Apple’s App Store or Google Play.

Beach Santa to receive Isle of Palms’ distinguished award for litter cleanup efforts

ISLE OF PALMS — The city will recognize a man affectionately known as Beach Santa this week for his efforts in keeping the coast clean and bringing attention to the litter crisis plaguing beaches and waterways.Howard Hogue will receive the Isle of Palm’s Signal 30 Award at a city council meeting on July 27. The award is given on a limited basis with the approval of the city council for special citizen service.Hogue, of Moncks Corner, has become a staple on the beach at the Isle of Palms. He is known for his big whit...

ISLE OF PALMS — The city will recognize a man affectionately known as Beach Santa this week for his efforts in keeping the coast clean and bringing attention to the litter crisis plaguing beaches and waterways.

Howard Hogue will receive the Isle of Palm’s Signal 30 Award at a city council meeting on July 27. The award is given on a limited basis with the approval of the city council for special citizen service.

Hogue, of Moncks Corner, has become a staple on the beach at the Isle of Palms. He is known for his big white beard and is often seen wearing red swimming trunks and a red muscle shirt as he walks along the shore with a litter grabber and bucket.

He picks up litter as he walks and regularly stops to take pictures and talk with beachgoers.

From the summer of 2018 to the end of May 2021, Hogue documented collecting more than 55,000 litter and debris items from the Isle of Palms Beach and more than 75,000 items from the streetscape and parking lots in the island’s Front Beach commercial district.

But his cleanup efforts expand farther than the Isle of Palms and includes other parts of the Charleston region, too. It is believed that he has collected more than 425,000 litter items across the Lowcountry.

“Beach Santa has done an incredible service by helping to keep our island beautiful and protect the coastal ecosystem and public health from pollution,” said Isle of Palms Mayor Jimmy Carroll in a news release.

Carroll said Hogue is an inspiration and great role model, and he thanks him for his volunteer efforts.

Susan Hill Smith, a city councilwoman and the Isle of Palms Cleanup Crew co-founder, said the 425,000-plus items collected by Hogue was done with “a twinkle in his eye.”

“This kind crusader gladly talks with those on the beach who ask about what he’s doing, ready to share a message for all who will listen about the importance of doing our part to protect the environment and shared public spaces,” Hill said.

To help prevent some of the beach litter, Isle of Palms began restricting smoking on the beach and beach access points in 2020, plus prohibited single-use retail plastic bags, plastic straws, balloons, and Styrofoam coolers, cups and food containers.

Hogue is continuing to document his litter sweeps and anticipates exceeding half a million litter items by the end of 2021.

Organizers announce changes for Saturday’s LOWVELLO cycling fundraiser due to poor weather

ISLE OF PALMS, S.C. (WCBD) – Organizers announced changes Friday for the LOWVELO fundraising event due to inclement weather.The annual cycling event raises funds for cancer research. But rain and gusty winds associated with a coastal storm will pose a threat during the event Saturday morning.“I’m disappointed in the weather, but I’m really excited about what everyone is doing to fight cancer,” said MUSC Hollings Cancer Center Director Dr. Raymond N. DuBois. “Raising money for lifesaving cance...

ISLE OF PALMS, S.C. (WCBD) – Organizers announced changes Friday for the LOWVELO fundraising event due to inclement weather.

The annual cycling event raises funds for cancer research. But rain and gusty winds associated with a coastal storm will pose a threat during the event Saturday morning.

“I’m disappointed in the weather, but I’m really excited about what everyone is doing to fight cancer,” said MUSC Hollings Cancer Center Director Dr. Raymond N. DuBois. “Raising money for lifesaving cancer research is an overarching effort that far exceeds the weather. We appreciate everyone’s support.”

The event is still on: Those who signed up for the two longer routes, 57 and 100 miles, can switch to the 43-mile route that leaves from the Isle of Palms rather than Hagood Stadium at The Citadel.

“Unfortunately, expected high winds tomorrow means it’s unsafe to go over the Ravenel Bridge,” organizers said.

The 43-mile route will leave from the Isle of Palms at 8:30 a.m. and go out to Bethel AME Church and then return to the Isle of Palms. It will require riders to cross the Isle of Palms Connector going out and on the return ride back. “The first call for this ride will be at 8 a.m.,” said organizers.

“Our shorter ride still will leave from the Isle of Palms. Riders may choose to do one or two laps of it. The start time for that – whether you are doing one or two laps – will be 9 a.m. with riders needing to be off that course by 11 a.m.The first call for riders on that route will be 8:30 a.m. “

You can also choose to join a stationary cycling class held under a covered tent or participate virtually.

Riders are encouraged to dress for the chilly, windy weather in the morning, and all riders must wear a helmet.

Isle of Palms parking options:

Option 1 – please park in the Isle of Palms County Park 1 14th Ave Isle of Palms, SC 29451

Option 2: Municipal Lot B Public Parking 1490 Ocean Blvd Isle of Palms, SC 29451

All volunteers should report to the Isle of Palms venue. The LOWVELO team will reassign you a post if you were scheduled to work at Hagood.

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