health insurance agent in Johns Island

Ask Us Anything!

843-364-9155

Quick Quote

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 Johns 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 Johns 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 Johns 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 Johns 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.

diagnoses

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.

store

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.

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 Agent Johns Island, SC

Health Insurance Solutions for Individual and Family Health Insurance

CLICK HERE TO GET A QUOTE

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 Johns 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 Johns Island you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

 Health Insurance Companies Johns Island, SC
 Health Insurance Johns 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 Johns Island, SC
 Private Health Insurance Johns 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 Johns 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 Johns Island, SC

Johns Island woman receives keys to new home from Habitat for Humanity

JOHNS ISLAND, S.C. (WCSC) - A woman neighbors describe as a staple of the community has a new home thanks to a group of volunteers.Sea Island Habitat for Humanity celebrated another closing on Johns Island Friday, handing over the keys for the second house they completed this year to Clareatha Matthews.Matthews says she has been waiting for this day to come. She previously lived in a trailer right behind her new home for almost 40 years. On average, trailers are only supposed to last 10 to 15 years.Matthews is an active ...

JOHNS ISLAND, S.C. (WCSC) - A woman neighbors describe as a staple of the community has a new home thanks to a group of volunteers.

Sea Island Habitat for Humanity celebrated another closing on Johns Island Friday, handing over the keys for the second house they completed this year to Clareatha Matthews.

Matthews says she has been waiting for this day to come. She previously lived in a trailer right behind her new home for almost 40 years. On average, trailers are only supposed to last 10 to 15 years.

Matthews is an active member of the community and has been a resident of John’s Island since 1989. She is involved in multiple Bible studies and has worked at the John’s Island Subway for 20 years now.

“Oh my god today means so much to me. I have been blessed and truly blessed for this day. I have been waiting for this day,” Matthews says.

The project to build her home began in September. When a new homeowner is picked, they are required to work a certain amount of “sweat equity” hours by working with volunteers to help build their own home. Matthews was required to work 300 and volunteers say she continued to come out and work on her house even when her required hours were completed.

“She is just a staple. She is a very active part of this community, and she was also very involved in her habitat sweat equity hours. Continuing to come out and help work on her house even after she finished her hours,” Construction site supervisor Kali Tanguay says.

She also said that they have seen some new homeowners in the past fall short on their hours or not want to commit, but that Matthews went above and beyond.

Her friends and family came out to celebrate and help Matthews move in. Her daughters said their mother worked three jobs when they were growing up and that she never complained. They said that she deserved this greatly.

“We owe our entire life to Habitat for Humanity. It’s very special because my mom is such a dependable, hardworking, and deserving lady and it’s good to see her just totally happy,” Matthew’s daughter, Veronica Huggins, says.

Sea Island Habitat for Humanity completes an average of five to six houses per year and they are hoping to see that number continue to grow.

Copyright 2024 WCSC. All rights reserved.

Johns Island could be getting not 1 but 2 new hotels

A newly proposed hotel would be one of the first on Johns Island if it comes to fruition.New Leaf Builders is proposing a 55,000-square-foot lodging, with an unspecified number of guest rooms, according to plans reviewed last week by the city of Charleston's Technical Review Committee, typically the first official stop in the permitting process.The hotel is part of a larger mixed-used development to be called Jubilee. It includes 65 residential units, three restaurants and reta...

A newly proposed hotel would be one of the first on Johns Island if it comes to fruition.

New Leaf Builders is proposing a 55,000-square-foot lodging, with an unspecified number of guest rooms, according to plans reviewed last week by the city of Charleston's Technical Review Committee, typically the first official stop in the permitting process.

The hotel is part of a larger mixed-used development to be called Jubilee. It includes 65 residential units, three restaurants and retail and office space.

The 3.27-acre property at 2935 Maybank Highway is just west of River Road. It was annexed into the city in 2017.

New Leaf did not respond to requests for comment about its plans last week. The company, which is headquartered on Johns Island, not far from the Jubilee site, builds homes in several residential developments in the Charleston region and in the Wilmington, N.C., market, according to its website.

The first hotel on Johns Island is well on its way. The Dunlin is set to open this summer at Kiawah River, a master-planned development off Betsy Kerrison Parkway. The luxury Auberge-operated boutique inn will offer guests 72 rooms, 19 villas, riverfront dining and a full-service spa, among other amenities.

MLK Day at IAAM

The International African American Museum is once again offering free admission, this time as part of a public celebration on Martin Luther King Jr. Day.

Registration for a timeslot is required for the waiver for tickets that are good from noon to 5 p.m. on Jan. 15. Local vendors, food trucks and other activities will be on the grounds of the IAAM, which opened its doors in June.

Earlier this month, the waterfront museum next to the Charleston Maritime Center offered free admission to commemorate Emancipation Day on Jan. 1.

Tennis (jobs), anyone?

The 2024 Credit One Charleston Open is less than 90 days away, and organizers are courting would-be volunteers to ensure the women's professional tennis tournament runs smoothly.

The annual WTA 500 event is a big visitor draw, attracting more than 90,000 attendees to Daniel Island each spring. It returns March 30-April 7 to Credit One Stadium.

Organizers are looking to recruit 350 volunteers to fill all sorts of roles, from ushering to maintenance, as well as 100 ball-crew members. The perks for the unpaid gig include tickets to a match, meal allowances and event apparel. Training and orientation sessions are required.

The tournament is run by The Charleston Place owner Ben Navarro's Charleston Tennis LLC and Beemok Sports & Entertainment.

Our twice-weekly newsletter features all the business stories shaping Charleston and South Carolina. Get ahead with us - it's free.

Charleston city councilman looking at ways to alleviate traffic on Johns Island

JOHNS ISLAND, S.C. (WCIV) — Balancing development and existing infrastructure is an issue Charleston County and city leaders are facing.Ask any John's Island residents their main complaint and they will likely tell you traffic.Charleston city councilman for District 3, Jim McBride, is brainstorming ways to alleviate the stop-and-go drive on and off the island.On Maybank Highway, two lanes are coming onto Johns Island and only one going off towards James Island.Read more:...

JOHNS ISLAND, S.C. (WCIV) — Balancing development and existing infrastructure is an issue Charleston County and city leaders are facing.

Ask any John's Island residents their main complaint and they will likely tell you traffic.

Charleston city councilman for District 3, Jim McBride, is brainstorming ways to alleviate the stop-and-go drive on and off the island.

On Maybank Highway, two lanes are coming onto Johns Island and only one going off towards James Island.

Read more: "Blackbaud Inc. executive arrested on DUI charges."

Councilman McBride said it's a bottleneck and taxpayers are sitting in traffic, wasting time and money.

There are three projects in the works.

McBride said the first project that will alleviate this problem is the Northern Pitchfork, which is expected to be finished in March.

It will allow motorists to take a right coming onto the island at the fairly new stoplight near Fenwick Hall Allee and take them to River Road, meaning no one has to sit on Maybank.

Read more: "'Whatever you do, do your best' SC native helps design Super Bowl half time show outfits."

The second project is restriping Maybank Highway near the intersection of River Road.

Right now, there are short turn lanes and McBride said cars get backed up, slowing traffic coming onto the island.

He said after the striping, there will be a left turn lane only. The middle lane will be three lanes and a new right turn lane will be added.

The third planned project is the nearly $30 million Southern Pitchfork, creating a possible left turn when you come onto Johns Island.

Read more: "Thieves steal 12 French bulldog puppies worth $32k from North Charleston home: NCPD report."

The traffic light for the Northern Pitchfork would potentially be moved and realigned with the entrance to the Southern Pitchfork closer to the bridge.

"If that gets funded, and if that happens, the estimated completion time would be somewhere somewhere around 2028," McBride said. "I don't want to wait for four years and no one on the island wants to wait for four years. So, we're trying to come up with some ideas to improve things before that."

McBride said these projects will allow traffic to flow better coming onto the island, but there is nothing funded now to help people get off the island.

"Every single morning taxpayers are sitting in traffic wasting money wasting time," McBride said. "And it's a problem that needs to get fixed."

Read more: "2 awarded Citizen Lifesaving Awards for helping Mt. Pleasant officer struck by vehicle."

One idea McBride is researching is reversible lanes.

With reversible lanes, the middle lane would switch directions in the evening, potentially alleviating traffic.

"In the morning you have two lanes going off the island, and then in the evening, you'd have two lanes coming on the island," McBride said.

McBride said it would require large signaling and possibly entry gates to make it very clear which direction people would drive.

"In 2019, the county did a study on this idea, and they determined that it would improve traffic going off the island in the morning by 66%. That's a huge improvement," McBride said.

Read more: "Friends and family win $1 million in Mega Millions, split earnings six ways."

McBride said the county recommended they could not do reversible lanes because currently there are too many stop lights too close together.

He said if the Northern Pitchfork is realigned with the future Southern Pitchfork, there would be one intersection closer to the bridge which would create a more continuous stretch of road, potentially allowing this idea to work.

McBride said the reversible lane idea would cost about $5 million.

"In comparison, the Southern Pitchfork is estimated to be about $30 million. So, $5 million is a lot of money, but it will save taxpayers so much money over time and save time. Instead of sitting in traffic you know, wasting time and gas money," McBride said.

Read more: "Joint Commission to boost North Charleston education holds inaugural meeting."

This is just one idea McBride is researching.

He said he is working alongside Mayor William Cogswell, city staff, and county council members Jenny Honeycutt and Joe Boykin to find a solution for Johns Island traffic.

River Road and Maybank Highway are state-owned, meaning they are managed and funded by the county.

McBride said this requires collaboration between the city and county.

Read more: "Celebration of the outdoors kicks off as 42nd annual SEWE comes back to the Lowcountry."

This November, the county will vote on a 2024 Half Cent Sales Tax Referendum to potentially replace an old sales tax set to expire in the next 2 years.

McBride said it would raise an estimated $5.4 billion.

He said $2 billion would help fund the Mark Clark Expressway, and the other $3.4 billion would help fund the County Infrastructure Improvement Projects.

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.

Vandalism causes 60-gallon diesel spill on Johns Island: Charleston Water System

CHARLESTON COUNTY, S.C. (WCIV) — Clean-up efforts are underway after vandalism resulted in a 60-gallon diesel fuel spill on Johns Island, officials with Charleston Water System said Monday.The diesel fuel spilled into a stormwater ditch behind homes along Colonel Harrison Drive that leads to the Stono River. Residents initially discovered and smelled the fuel spill over the weekend. The South Carolina Department of Health and Environmental Control was called on Sunday to help with the spill.Read more: ...

CHARLESTON COUNTY, S.C. (WCIV) — Clean-up efforts are underway after vandalism resulted in a 60-gallon diesel fuel spill on Johns Island, officials with Charleston Water System said Monday.

The diesel fuel spilled into a stormwater ditch behind homes along Colonel Harrison Drive that leads to the Stono River. Residents initially discovered and smelled the fuel spill over the weekend. The South Carolina Department of Health and Environmental Control was called on Sunday to help with the spill.

Read more: "Successful oil spill cleanup in Charleston by Coast Guard, no marine life threats."

“Our contractor cleaned up a portion of the spill, immediately called in a professional environmental remediation company, and notified SC DHEC and the EPA’s National Response Center,” said Mike Saia, Charleston Water System's public information administrator. “It may take several days for them to recapture all remnants of the fuel.”

This is the third instance of vandalism to contractor equipment in recent weeks, and the Charleston County Sheriff's Office is investigating.

“I mean it is a very, in depth vandalism. It's not just a rock through the window. It’s someone who came out here to destroy this 200-something thousand-dollar machine,” said Chad Hunter, owner of Hunter Landworx Construction, the contractor onsite.

Hunter showed up to his Johns Island job site Monday expecting to quickly finish a project he’s been working on since October. Instead, he found his machinery completely vandalized.

“There are wires in there, cut and hidden like that. We wouldn't be able to find it if we didn't see that all the fuel around it, my guys would've gotten in the machine. He put rocks and all in our engine to try to blow the engine up,” Hunter said.

But the damage doesn’t stop there.

Read more: "Suspicion arises over two Colleton County mobile home fires in three days."

The vandalism led to a 60-gallon diesel fuel spill into the surrounding area along the Stono River. Charleston Water System owns the construction project, and its staff says they’ve never seen damage this bad.

“We don't see a lot of vandalism. If we do, it's very, very minor, and easy to repair. But this is a different situation because not only did the person damage the equipment related to the job, but they've also damaged the environment,” Saia said.

Saia said they were able to soak up as much of the liquid fuel as possible and the Coast Guard confirmed to CWS that the spill didn't reach the river.

Now, Hunter must pick up the pieces.

He said the damage to his machine alone will cost a few hundred thousand dollars and his crews are now behind on all their current projects.

“We're out here to clean up somebody's mess as well as take time from our family and slow down the project. I mean, it's hurting everybody, the neighborhood, everything around us is just getting messed up from one person,” Hunter said.

“One hour's worth of work is causing weeks of fix-up.”

News 4 has reached out to CCSO for more information.

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.