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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.

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.

Health Insurance Agency James Island, 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 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.

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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 James Island, 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 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.

 Health Insurance Companies James Island, SC
 Health Insurance James Island, 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 James Island, SC
 Private Health Insurance James Island, 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 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.

Health insurance plans

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

Latest News in James Island, SC

Charleston Co. moves forward with James Island intersection improvements

CHARLESTON, S.C. (WCSC) - One concerned resident living on James Island says there is a lack of communication on a traffic project that was designed to improve the safety and flow of traffic.The Central Park Road and Riverland Drive Intersection Improvements Project was made to improve the safety and traffic flow of Riverland Drive and Central Park Road for all modes of transportation while minimizing impacts on adjacent property and grand trees. The project officially began in 2018 and is still in the works.More than 11,000 ve...

CHARLESTON, S.C. (WCSC) - One concerned resident living on James Island says there is a lack of communication on a traffic project that was designed to improve the safety and flow of traffic.

The Central Park Road and Riverland Drive Intersection Improvements Project was made to improve the safety and traffic flow of Riverland Drive and Central Park Road for all modes of transportation while minimizing impacts on adjacent property and grand trees. The project officially began in 2018 and is still in the works.

More than 11,000 vehicles a day commute on Riverland Drive, according to the Charleston County Transportation Department, and the lack of turn lanes and significant delays have prompted a plan to relieve traffic congestion at the intersection of Riverland Drive and Central Park Road.

The need for more crosswalks, signs and designated areas, frequent accidents, narrow lanes and delays for school traffic are just a few reasons officials say the project is needed. The funding for the project comes from the second half-cent sales tax.

Eric Lundcrum lives on Terrabrook Lane on James Island and says the road hasn’t been upgraded and the growth continues to climb in the area.

Charleston County spokesperson Kelsey Barlow says the county intends to install crosswalks and a flashing light at the Central Park and Riverland intersection. The project will also add a right-turn lane with refuge on Central Park and a sidewalk along Riverland Drive that will extend to the future Woodland Shores sidewalk to the Riverland Drive multi-use path.

“We should have some consideration on completing some of these projects that are way overdue,” Lundcrum says. “The Charleston County Council is always 20 years behind upgrading infrastructure to satisfy the growth. The other solution was just to put a traffic light there, but they didn’t even do that. Year after year of more growth and year after year no solution to the very busy intersection.”

We reached out to officials from Charleston County who told us the South Carolina Department of Transportation has approved the right-of-way plans, and they are currently in the right-of-way acquisition process. They are scheduled to advertise construction in the third quarter of this year. Currently, officials say the project team has made contact with impacted property owners and working with them for the right-of-way acquisition process.

If you know a road that’s driving you crazy, you can submit your concern here.

Copyright 2024 WCSC. All rights reserved.

$277M hospital proposed for Johns Island

Trident Medical Center has submitted a Certificate of Need to the South Carolina Department of Health and Environmental Control to build a $277 million hospital on Johns Island. The application is for a 50-bed acute care hospital between Maybank Highway and Cane Slash Road, across from the Live Oak Square development.Projections for Johns Island Hospital show that within the first three years it will create nearly 300 jobs, contribute $10 million in non-income taxes to support the community and pay $70 million in salaries, wages and b...

Trident Medical Center has submitted a Certificate of Need to the South Carolina Department of Health and Environmental Control to build a $277 million hospital on Johns Island. The application is for a 50-bed acute care hospital between Maybank Highway and Cane Slash Road, across from the Live Oak Square development.

Projections for Johns Island Hospital show that within the first three years it will create nearly 300 jobs, contribute $10 million in non-income taxes to support the community and pay $70 million in salaries, wages and benefits, the organization said in a release.

“We are excited to continue making medical care more accessible to residents in our historically underserved communities,” Trident Health President and CEO Christina Oh said in the news release. “Currently on Johns Island and neighboring communities, it can take residents 30 to 45 minutes to drive to their nearest hospital, and often longer in heavy traffic and inclement weather. Our goal is to increase access to timely, high quality and affordable health care services.”

Trident Medical Center’s chief of the medical staff and medical director of emergency services, Dr. Scott Hayes, said he sees firsthand the results of delayed care.

“For residents who live far from emergency medical care and who may be experiencing a medical emergency like a heart attack or a stroke, minutes can mean the difference between life and death,” he said in the news release. “Access to care close to home is critical, especially in areas like Johns Island and the surrounding communities, that have frequent traffic delays.”

Trident Health surgeon Dr. Thomas Litton, who lived on Johns Island for 20 years and recently moved from there largely due to increasing traffic congestion and limited access routes off the island, said, “The rapid population growth and development of Johns Island, as well as its role as the sole gateway to Kiawah, Seabrook and Wadmalaw Islands, has created a strong need for a full-service hospital in the area. Residents on those islands have never had a full-service hospital. Trident’s hospital on Johns Island and their freestanding ER on James Island will greatly improve residents’ access to much-needed medical care.”

Johns Island Hospital will be located seven miles from James Island Emergency, Trident’s new freestanding ER at 945 Folly Road, Charleston, that will open in the next few weeks.

Plans call for Johns Island Hospital to have 50 beds with space to expand to 150 beds, 40 medical/surgical/stepdown beds, 10 ICU beds, 20 ER rooms, four operating rooms, two endoscopy suites and a cardiac catheterization lab. The hospital also would have two CT scanners, an MRI, two diagnostic radiology suites and a fluoroscopy room.

In addition to the hospital, services would include medical offices for primary care and specialists as well as outpatient imaging and support such as breast imaging, rehabilitation and other outpatient therapy services.

“From our first discussions about building a hospital on Johns Island, we have been committed to creating a thoughtful plan that preserves the natural beauty of Johns Island,” Oh said in the release. “We will honor the strong Gullah Geechee cultures of the community; we will partner with the areas’ community and businesses; and will promote the important and unique contributions of Johns Island’s agricultural community.”

The proposed Johns Island Hospital is in addition to nearly $140M in capital investments currently underway at Trident Health’s hospitals, Trident Medical Center and Summerville

Visit May Forest, a new 23-acre state park on James Island

Updated with visitor information on Friday, Oct. 13Something green is coming to Charleston, and we’re not talking about St. Patrick’s Day. A new state park is in the works at the tip of James Island. We spoke with SC State Parks Director Paul McCormack for the latest on the project.The waterfront park will be located on 23 acres at the end of Fort Johnson Road, adjacent to the Fort Johnson historic site. The parcel is managed by the SC Dept. of Parks, Recreation & Tourism.In 2021, the state ...

Updated with visitor information on Friday, Oct. 13

Something green is coming to Charleston, and we’re not talking about St. Patrick’s Day. A new state park is in the works at the tip of James Island. We spoke with SC State Parks Director Paul McCormack for the latest on the project.

The waterfront park will be located on 23 acres at the end of Fort Johnson Road, adjacent to the Fort Johnson historic site. The parcel is managed by the SC Dept. of Parks, Recreation & Tourism.

In 2021, the state purchased the land from the Sisters of Charity of Our Lady of Mercy for $23 million. The May Forest Convent located on-site is expected to be converted into an event venue that will be the main component of the new park. Funding has not yet been secured for the venue construction project.

Charlestonians can look forward to a day-use recreation and picnicking area with views of the Charleston Harbor, the Ravenel Bridge, and Fort Sumter. There is an existing gazebo and bench swing. Conceptual images are not yet available, but stay tuned.

An event space, lodging, and a dock may be added in the future. A structural assessment of the property is expected to determine park features down the road. What would you like to see this new park offer? Let us know.

In addition, there is a master plan that envisions the entire ~100-acre Fort Johnson area that is separate from the state park project.

The park is expected to open this spring or summer. There is currently no timeline for potential future amenities, but keep an eye on the newsletter for updates. The plans for Fort Johnson, which surrounds the state park area, are long-term.

May Forest launched its soft opening phase. The new state park on the northeast waterfront of James Island offers views of the Charleston Harbor, Ravenel Bridge, and Fort Sumter, plus woodland and fields abutting the shore.

The park is far from finished — but you can stroll for yourself now.

The South Carolina Department of Natural Resources bought the 23-acre park land from the Sisters of Charity of Our Lady of Mercy for $23.25 million in 2021.

May Forest State Park and the ~100-acre Fort Johnson area make up a long-term development plan including updated trail access, greenspace, historical interpretation, and research campuses.

The park is located at 424 Fort Johnson Rd. Since it occupies one tip of James Island, navigating is easy: just follow the road to its end and follow the signage for visitor parking.

During the soft opening phase, the park is open from 8 a.m.-5 p.m. on weekdays, grounds only.

May Forest is currently hiring a park ranger. Once they do, you’ll be able to visit on weekends, too.

Currently, May Forest offers walking trails and four picnic tables to unwind by the water. Pets are welcome in most areas, but you’ll need to keep them leashed.

As the park grows, look forward to an event space at the old May Forest Convent, overnight accommodations, and dining options.

SC High School League denies appeals by James Island, Burke

The first challenges to the S.C. High School League’s reclassification of its member schools began on Tuesday, as 12 schools appealed their placement in the league’s realignment for the 2024-26 school years.Ten more schools will make their appeals on Wednesday.School officials made their cases to the league’s executive committee, and can take their appeals to the league’s appellate panel later this week. A total of 22 schools statewide are lodging appeals with the executive committee.Most of the a...

The first challenges to the S.C. High School League’s reclassification of its member schools began on Tuesday, as 12 schools appealed their placement in the league’s realignment for the 2024-26 school years.

Ten more schools will make their appeals on Wednesday.

School officials made their cases to the league’s executive committee, and can take their appeals to the league’s appellate panel later this week. A total of 22 schools statewide are lodging appeals with the executive committee.

Most of the appeals center around the SCHSL’s decision to use a multiplier to determine student enrollments for its purposes, with students attending a school from outside of its assigned attendance zone counting three times. The multiplier was installed in an effort to address competitive-balance issues, with private and charter schools dominating state championships in lower classifications in recent years.

Three Charleston-area schools made their appeals on Tuesday.

James Island Charter, moved to Class AAAAA in reclassification, had its request to remain in AAAA denied. Burke, moved up to Class AA, had its appeal to remain in Class A denied.

Charleston Math & Science, moved up to Class AAA from Class A, won its appeal to remain in Class A for the next two years.

Bishop England, bumped up from Class AA to AAAA, will have its appeal to move to Class AAA heard on Wednesday.

Columbia’s Gray Collegiate Academy, a sports-oriented charter school and a center of much of the competitive-balance debate, was bumped up two classifications, from AA to AAAA, by the league’s multiplier. The school requested to play in Class AAA, but was denied by a vote of 12-3.

James Island officials made their case to remain AAAA by saying the school was willing to remain in Region 7-AAAA, which includes Colleton County and Beaufort-area schools. The school said it was willing to accept a considerable increase in travel expenses over what it would incur in a local AAAAA region.

Members of the committee noted that James Island’s attendance numbers, which total 1,968 including the multiplier, would place the school in Class AAAAA even without the multiplier, but only because the league has increased the number of AAAAA schools to 56.

After discussion, the committee voted 14-1 to deny the request to remain in AAAA.

Charleston Math & Science, which is currently in Class A, was reclassified to AAA by the league. The school, which is not competitive for state titles in most programs, hinted that a move to AAA could result in the school closing all of its athletics programs. School officials said the athletic department operates at a deficit as a Class A school.

According to the multiplier numbers, CMS would be the smallest school in AAA with 672 students, and would have almost 400 actual students fewer than two schools, Dillon and Newberry, just ahead of them in the AAA list.

The committee decided by a vote of 12-3 to allow CMS to remain in Class A for the next two years.

Burke appealed a move from Class A to AA based on a decline in competitiveness, even though its attendance numbers are solidly in Class AA even without the multiplier. Enrollment numbers, however, are in a steady decline; Burke’s multiplier attendance number is 469.

The committee voted 14-1 to put Burke in Class AA. Burke could be reassigned to Class A in the next reclassification in 2026.

In other appeals on Tuesday, Abbeville High was denied (by 9-5) an appeal to be assigned to Class A. Abbeville is currently listed as the smallest AA school in the state (379 students with the multiplier), while three schools in Class A have larger attendance numbers. Abbeville will appeal the decision to the appellate panel.

Seneca High’s appeal to remain in Class AAA was denied (14-1), and the school will be assigned to AAAA.

Fox Creek won its appeal (by 11-3) to move to Class AAA. Fox Creek was originally bumped from Class AA to Class AAAA in the realignment.

Southside Christian, a private school in Simponsville, was denied (by 9-5) its appeal to move from Class AAA to AA. Southside Christian was moved from Class A to AAA in the recent reclassification with a multiplier attendance number of 676.

Brashier Middle College, a charter school in the upstate, was assigned to Class AAA, a move up from Class A. The school appealed to be classified to Class AA and the committee granted that request by a vote of 12-4.

High Point Academy, a Class A school in Spartanburg, was moved to Class AAA after use of the multiplier. The school appealed to stay in Class A, but was denied. However, the committee did vote to place the school into Class AA.

Horse Creek Academy of North Augusta, moving into the SCHSL for the first time, was classified to AAA. However, the school offers only 10 varsity sports and one junior varsity program, and does not field a football program. The committee voted to put the school in Class A.

St. Joseph’s Catholic School of Greenville, currently in Class A, was reclassified to Class AAA and requested to be placed in Class AA. The committee denied the request by 12-2.

Proposed James Island preschool sparks drainage worry for neighboring homeowners

JAMES ISLAND, S.C. (WCSC) - The site of a proposed preschool on James Island is causing some neighbors to worry about what their yards will look like during a storm or what the traffic will look like during rush hour.The city of Charleston’s Design Review Board approved the basics, like what kind of building materials and plants the developer wants to use, for example, at the proposed Goddard Preschool located at 1137 Folly Rd., ...

JAMES ISLAND, S.C. (WCSC) - The site of a proposed preschool on James Island is causing some neighbors to worry about what their yards will look like during a storm or what the traffic will look like during rush hour.

The city of Charleston’s Design Review Board approved the basics, like what kind of building materials and plants the developer wants to use, for example, at the proposed Goddard Preschool located at 1137 Folly Rd., at Tuesday night’s meeting.

However, neighbor Matthew Pertuset says he’s more worried about what the city will review later on.

“How is that going to affect the, not just the people that back up, but the entire neighborhood?” Pertuset said.

The proposed preschool sits directly behind Pertuset’s home in the Queenborough neighborhood. He says he’s worried about the design of this building’s drainage because of how it already acts during storms.

“We’re already holding water,” Pertuset said. “So, for that to come up even more, I’m not sure. So, it’s a huge concern.”

But Robert Summerfield, the director of planning, preservation and sustainability for the city of Charleston, said because they have some of the most comprehensive stormwater regulations in the region, no project could make the problem worse but could only improve it.

“They’re working very hard to make sure that they are utilizing the existing wetlands on site and enhancing that as a stormwater catchment area,” Summerfield said.

But that’s not the only concern.

“If it is going to be a pickup, you know, we’re right here on Folly Road, how does that look during rush hour traffic in the mornings and the afternoons?” Pertuset said. “Is it going to get pushed into our neighborhood for us to deal with or is it just going to come to a stop on Folly Road?”

Summerfield said the city has already thought about it.

“We have created a drop-off low space so that cars, as they come in and drop their children off or pick them up, will actually flow through the site so that there’s a queueing situation that will occur so that people aren’t ideally not queueing out on Folly,” Summerfield said.

Neither the Goddard School nor the applicant, AAG Architects for Vista 26, LLC, have responded to requests for comment.

However, Pertuset said no matter what comes on this property, he just wants the city to be thorough with their plans.

“It is something that the community needs,” Pertuset said. “I think James Island could afford to have another preschool.”

Summerfield said the city will discuss more drainage specifics once the developer submits the next step to the Technical Review Committee. They will have to pass all initial designs before that is done and there’s currently no timeline of when that might take place.

Copyright 2024 WCSC. All rights reserved.

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