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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 James Island 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.
Service Areas
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in James Island 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 James Island 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 James Island 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 James Island 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 James Island, 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 in James Island, SC
City of Charleston takes next step in construction of Johns Island Fire Station
Carlie Bakerhttps://www.live5news.com/2024/12/18/city-charleston-takes-next-step-construction-johns-island-fire-station/
Published: Dec. 17, 2024 at 7:45 PM PST|JOHNS ISLAND, S.C. (WCSC) - Construction of a multi-million-dollar fire station on Johns Island that has been talked about for years is officially moving forward.This project took a significant step after the City of Charleston approved a construction manager at risk, or CMAR, contract during Tuesday night’s council meeting.A CMAR is when a construction manager agrees to take on a project and complete it within a set guaranteed maximum price, or GMP, and if construction servi...
Published: Dec. 17, 2024 at 7:45 PM PST|
JOHNS ISLAND, S.C. (WCSC) - Construction of a multi-million-dollar fire station on Johns Island that has been talked about for years is officially moving forward.
This project took a significant step after the City of Charleston approved a construction manager at risk, or CMAR, contract during Tuesday night’s council meeting.
A CMAR is when a construction manager agrees to take on a project and complete it within a set guaranteed maximum price, or GMP, and if construction services end up exceeding the GMP that was agreed upon, the construction manager is responsible for those costs.
The set GMP that City officials approved for the CMAR contract Tuesday night is $12.4 million.
Fire Station number 23 is planned to sit on Maybank Highway at Wildts Battery Boulevard. Plans call for it to include a training room, three bays and two units: an engine company and a ladder company. Officials say there would be four personnel working on each unit.
“To have enough apparatus and units to respond when we need it, so this will provide for growth as we go forward as well as we continue to plan for future growth beyond this,” Deputy Chief Forrest Cockcroft says. “But right now this will give us another engine and a ladder to really beef up that initial first response that we get on most of our fires, especially on our commercial fires.”
The Charleston Fire Department only has one station on Johns Island, which is Fire Station 17 located on Bohicket Road.
Cockcroft says that they currently have coverage of all of Johns Island between the Charleston Fire Department and St. Johns Fire Department, but they are looking ahead to meet the demand as the population grows by adding this new fire station.
“One of the things we try to look to is to make sure that we have the appropriate amount of personnel on scene for a structure fire or different type of call types, so we have some benchmarks that we try to meet with that and this will allow us to meet those benchmarks much more quickly because we’ve got much more density of stations going in and additional firefighters on the road,” Cockcroft says.
City of Charleston council member, Jim McBride, who represents Johns Island says that this new fire station will also help out other stations in the surrounding areas.
“Sometimes fire stations from James Island and West Ashley have to come augment us if there is a big fire, so getting this station on there on Maybank will actually free them up to focus more on their areas, so it impacts not just Johns Island, but also James Island and West Ashley,” McBride says.
McBride says that the City of Charleston Fire Chief, Dan Curia, has been working ahead and training two fire teams that will occupy the new fire station once it is built.
He says that they expect shovels in the ground for this project in early 2025 with it expected to be finished by the end of the year.
Copyright 2024 WCSC. All rights reserved.
Application for recreational development on James Island met with mixed reviews
Autumn Kleinhttps://www.live5news.com/2025/01/15/application-recreational-development-james-island-met-with-mixed-reviews/
JAMES ISLAND, S.C. (WCSC) - The City of Charleston is looking at the application of a potential new development off Folly Road that would include a mini golf course and a new retail center.In addition to the mini golf course, this potential new mixed-use development would include a food court, a coffee shop, a wellness facility and a bar. There are also plans for over 120 parking spaces to accommodate patrons, according to the developer.If approved, the development, which has been named the “Community Corner,” would...
JAMES ISLAND, S.C. (WCSC) - The City of Charleston is looking at the application of a potential new development off Folly Road that would include a mini golf course and a new retail center.
In addition to the mini golf course, this potential new mixed-use development would include a food court, a coffee shop, a wellness facility and a bar. There are also plans for over 120 parking spaces to accommodate patrons, according to the developer.
If approved, the development, which has been named the “Community Corner,” would take up 2.9 acres of land on Grimball Road Extension.
This project is still very early in the approval process and would require several other steps and approvals from the City to move forward.
Though nothing is finalized, this potential project has garnered quite a bit of attention on social media with residents sharing mixed feelings. Some shared concerns about an increase of traffic and the construction harming wetlands, while others say they are excited about the idea and feel the area needs more recreational activities.
Chad Biel is the owner of Bohemian Bull, a restaurant that is just half a mile from the location of the tentative development. Biel shared his thoughts on the proposed “Community Corner” project.
“I would say I see two sides of this,” he says. “It’s inevitable that the city’s going to grow. I think that there needs to be some better city planning. We have a lot of flooding on this street and a ton of traffic on this street. So, I would ask that, you know, that gets thought of when they’re doing these plans, but then, as a resident that’s kind of the piece of the pie, right? I have kids. So, they’re going to enjoy the mini golf but then we also will deal with all the traffic that comes along with that as more and more people come down this way in a relatively small highway that runs through here.”
Biel says he likes the idea of more activity options coming to the area and believes it could help foot traffic for his business, but he calls on city officials to consider some of the flooding issues and road traffic in the area. If that is addressed, he says he welcomes the idea.
“As a business owner, I think it’ll be a positive impact. I mean, every single time that we see other businesses opening up in the area, we always see a positive impact from it and we’ve had sales growth year over year, and that’s because the area is continuing to grow, we are continuing to get more people that move to James Island, we are getting more businesses on James Island,” he says.
The developer of this tentative project says that they plan to create a world class space that does not exist anywhere in Charleston.
While there is no form for public comment on this project, the city’s Technical Review Committee Administrator, Eric Schultz, welcomes questions about any of the items up for discussion by the committee. Schultz can be reached at 843-724-3790 or schultze@charleston-sc.gov.
The committee will meet Thursday at 9 a.m. to discuss this application.
This item is scheduled in the agenda to be heard at 11:30 a.m.
Click here for the Zoom link to join the meeting.
To call into the meeting, dial 1-312-626-6799, then type in Webinar ID# 832-2640-6779, followed by the password, 721363.
Guests are encouraged to join the meeting 20 minutes before the agenda item is scheduled to be discussed. The “Community Corner” is up for discussion at 11:30 a.m.
Copyright 2025 WCSC. All rights reserved.
Work contract awarded in long-awaited James Island pedestrian project
Melissa Rademakerhttps://www.live5news.com/2025/01/09/work-contract-awarded-long-awaited-james-island-pedestrian-project/
Updated: Jan. 9, 2025 at 5:07 PM PSTJAMES ISLAND, S.C. (WCSC) - After a budget setback in 2024 delayed the project, the Charleton County Finance Committee is expected to award a contract for work to build sidewalks and a crosswalk at Woodland Shores Road and Maybank Highway on James Island.People living in the area say they have been petitioning leaders for pedestrian improvements for years. Adam Friend founded a neighborhood association that focuses on improvement projects and recently, the group celebrated adding speed humps ...
Updated: Jan. 9, 2025 at 5:07 PM PST
JAMES ISLAND, S.C. (WCSC) - After a budget setback in 2024 delayed the project, the Charleton County Finance Committee is expected to award a contract for work to build sidewalks and a crosswalk at Woodland Shores Road and Maybank Highway on James Island.
People living in the area say they have been petitioning leaders for pedestrian improvements for years. Adam Friend founded a neighborhood association that focuses on improvement projects and recently, the group celebrated adding speed humps to Woodland Shores Road.
The ‘Complete Streets’ project plans to put that 8-foot sidewalk along Woodland Shores Drive, onto Maybank Highway to Stefan Drive, and add a midblock crossing of Maybank near Stefan Drive at Terrace Plaza. The work will include a median, pavement marking and drainage as well.
“For it to be 2025 and we’re finally seeing that a bid is being endorsed and going to be signed off on tonight with Gulf Stream is surreal, I guess would be the best word. I’m excited yes, but I’m going to hold out until I see they’re actually breaking ground before I believe this is really happening, but it looks certainly to be coming to fruition which should really help the safety of a lot of us who live on Woodland Shores Road,” Friend says.
County Council is expected to award a more than $3.6 million contract with Gulf Stream construction. Woodland Shores Road catapulted into the public eye after a 2023 hit and run that left Jen Drummond seriously injured. Her neighbors renewed a push for sidewalks, something they say they had wanted for some time. Their efforts have also achieved adding speed bumps since the incident.
“We’d hoped we could have avoided something tragic prior to having this come to fruition, but we fought really hard as a neighborhood. I started this Woodland Shores commission and I think it’s been a really strong grassroots mission, of people just refusing to take no,” Friend says.
Funding is both federal and local for the multi-million dollar project. There is not a set construction start date, but the work is expected to have at least a nine-month timeline once shovels are in the ground. Friend says it’s not perfect since it’s only one side of the road, and the opposite side of their mailboxes for some, but he thanks the local and state leaders who worked on achieving it.
“People have become very ‘Doubting Thomases’ I guess and don’t think it’s really going to happen, so I think we will all be really happy when we see the work in progress,” Friend says.
Copyright 2025 WCSC. All rights reserved.
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