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

 Health Insurance Companies Kiawah Island, SC
 Health Insurance Kiawah 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 Kiawah Island, SC
 Private Health Insurance Kiawah 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 Kiawah 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 Kiawah Island, SC

Editorial: Stop wasting money; start conserving Capt Sam’s Spit

For years, we have called for the conservation of the fragile, ever-shifting southern tip of Kiawah Island, a slice of land many know as Capt. Sam’s Spit. We reiterate that call for a deal — and encourage leaders in our state government and conservation community to focus anew on it — particularly as the property remains in between controversial efforts to develop homes there.As The Post and Courier’s Toby Cox reported, the property is tied up in a complicated legal dispute over a 2013 Amended and Restated Deve...

For years, we have called for the conservation of the fragile, ever-shifting southern tip of Kiawah Island, a slice of land many know as Capt. Sam’s Spit. We reiterate that call for a deal — and encourage leaders in our state government and conservation community to focus anew on it — particularly as the property remains in between controversial efforts to develop homes there.

As The Post and Courier’s Toby Cox reported, the property is tied up in a complicated legal dispute over a 2013 Amended and Restated Development Agreement between the town of Kiawah Island and developer Kiawah Resort Associates that expired last month. At issue is whether the developer met contractual obligations to transfer ownership of some of the property’s highlands to the community association and to protect the remaining highlands with deed restrictions. These actions would protect the spit from development efforts, but the developer says these obligations were contingent on development, which did not occur.

Since 2008, developers have sought state permits to build 50 homes on the land, but the complexity of running a road and utility lines to the property has resulted in years-long court battles and appeals that stopped the plans. But those hoping for the property’s conservation should not count on permitting battles and environmental lawsuits alone; the land has some value, and its owners deserve to be compensated to some degree for a conservation agreement that would preclude development. Of course, there may be a wide disagreement over the dollars involved, given the property’s proximity to the high-valued real estate of Kiawah Island as well as the folly of building on land so subject to erosion and flooding.

Town officials sent the developer a letter this month asking it to fulfill the two obligations, and it’s certainly possible this could lead to yet another legal battle. That turn would be regrettable. It would be much better for both sides to focus on a conservation deal that would settle this matter once and for all.

The U.S. Supreme Court issued a precedent-setting ruling in 1992 in a case only five islands north of Kiawah (Lucas v. South Carolina Coastal Council), saying if government restricts all potential use of a piece of private property, that is considered a “taking” — and the property owner is owed compensation. We agree with what Amy Armstrong, executive director and general counsel at the S.C. Environmental Law Project, told Ms. Cox: “As long as the developer owns the property, there’s a threat.”

The property is valuable for conservation not only because it provides habitat for wildlife but also because it adjoins Charleston County’s Kiawah Beachwalker Park, which is so popular most summer weekends that there is a waiting list for its limited parking spaces. And that’s not surprising: Beachwalker offers access to more than a mile’s worth of beach and creekfront, around which bottlenose dolphins, sea turtles and seabirds are common visitors. In short, it’s one of South Carolina’s most pristine sections of beach publicly accessible by car.

Both South Carolina and Charleston County leaders should engage on ways to strike a conservation deal here for many reasons, including the prevention of unwise attempts to harden the land for development and the preservation of wildlife habitat and high-quality public access. The time to strike that deal is now, before more dollars are wasted on legal battles or ill-considered development plans.

Click here for more opinion content from The Post and Courier.

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Kiawah Island to hold Special Election for Mayor and Council Member Seats on April 23rd

There will be a Special Town Council Election on Tuesday, April 23, 2024, from 7 a.m. until 7 p.m., at the Sandcastle (1 Shipwatch Road, Kiawah Island, SC 29455) for the following two Town Council seats:Candidacy filing for Mayor closed today at noon and below are the candidates for Mayor.Candidacy Filing for Second Open Council Member SeatCandidacy filing for the second open Council Member seat, to serve the remainder of Council Member Brad Belt's term, will open on Friday, Feb. 9 at noon and close on T...

There will be a Special Town Council Election on Tuesday, April 23, 2024, from 7 a.m. until 7 p.m., at the Sandcastle (1 Shipwatch Road, Kiawah Island, SC 29455) for the following two Town Council seats:

Candidacy filing for Mayor closed today at noon and below are the candidates for Mayor.

Candidacy Filing for Second Open Council Member Seat

Candidacy filing for the second open Council Member seat, to serve the remainder of Council Member Brad Belt's term, will open on Friday, Feb. 9 at noon and close on Tuesday, Feb. 20 at noon, due to the Board of Election's and Town of Kiawah Island's office closures on Monday, Feb. 19, for President’s Day.

Candidacy documents and details here

Election Details for April 23 Election

Any person wishing to vote in the April 23 election must register no later than Sunday, March 24, 2024. Voter registration by mail forms will be accepted if postmarked by Monday, March 25, 2024.

Visit the Charleston County Board of Elections' website here to register online to vote. You must have a SC driver's license to vote online.

You can also register by email, mail, or fax by completing the voter registration form and sending it to the Charleston County Board of Voter Registration at the mailing address below or visiting the physical location.

Visit In Person for Voter Registration:

4340 Corporate Road

Charleston, SC 29405

Mail Voter Registration Form To:

Post Office Box 71419

North Charleston, SC 29415

Additional Contact Information:

Email: voterregistration@charlestoncounty.org

Phone: (843) 744-8683

Fax: (843) 974-6419

More election details including early voting, absentee voting, and more, click here

Opposition rises against controversial Kiawah Island Park Medical Village

CHARLESTON COUNTY, S.C. (WCIV) — A controversial development on Kiawah Island is treading water.Developers of Island Park Place Medical Village said the project will be a mixed-use facility, including medical, health and wellness, that will save people from making long trips to the doctor.Residents and town officials are working to change the proposal or stop it. Meanwhile, supporters believe it would be a one-stop shop for those not wanting to leave the area for medical care. Still, opponents continue to believe the proj...

CHARLESTON COUNTY, S.C. (WCIV) — A controversial development on Kiawah Island is treading water.

Developers of Island Park Place Medical Village said the project will be a mixed-use facility, including medical, health and wellness, that will save people from making long trips to the doctor.

Residents and town officials are working to change the proposal or stop it. Meanwhile, supporters believe it would be a one-stop shop for those not wanting to leave the area for medical care. Still, opponents continue to believe the project is too big and commercial.

"It will destroy wetlands," Louise Bennet said. "It will destroy trees."

Read more: "James Island's Dills Bluff development plan meets resistance: From woodland to townhomes?"

These are only a few of the reasons Bennett is against the project planned just across the way from her business on Betsy Kerrison Parkway.

"It also destroys what's left of Johns Island that is peaceful and rural," Bennett said.

While developers tout the project as a one-stop medical shop, some think the 160,000-square-foot building falls short of that goal. Others said the medical care isn't needed as MUSC and Trident are planning for their projects nearby.

"Only about 60,000 square feet, 40 percent or so, is intended to be devoted to medical-related uses," said Bradley Belt, a member of Kiawah's town council. "The rest is residential, other retail restaurants... There's no requirement that it is actually devoted to medical-related facilities."

Opposition rises against controversial Kiawah Island Park Medical Village (WCIV).

Read more: "Daniel Island townhome development defers second time due to grand oak tree concerns."

Bennett claims there are more viable areas to have a complex, including the central part of the island, where Trident Hospital will be.

An attempt by developers to rezone the area from low-density residential was denied by the Charleston County Planning Commission. That has developers looking to possibly scale back the project.

Meanwhile, an ad in support of the project has appeared on Facebook, seeming to suggest Charleston County Councilman Joe Boykin is in favor of the development. Boykin said he is adamantly opposed to it.

"I am aware that social media ads that utilized my image and words from a past speech were posted on Facebook in an apparent attempt to portray my support for a proposed Medical Health and Wellness Village on lower Betsy Kerrison Boulevard," Boykin said. "It is apparent to me that this was additionally an attempt to influence my constituents to ask me to 'keep my word,' as if I supported this project when the developer knew full well I was adamantly opposed to it.

"Angry constituents contacted me because they believed I supported this project only to learn just the opposite was true. I completely concur with the recommendation of the Charleston County Zoning and Planning staff, the decision of The Charleston County Planning Commission, and the opinions of the majority of the Charleston County voters who shared their views that this Planned Development should be denied."

Read more: "Could more development be coming to Johns Island after the New Year?"

Belt is holding a town hall on Thursday, Jan. 11, to discuss "key issues" impacting Johns Island and the Sea Islands community.

To the news, the development group provided the following statement to News 4.

“Our team has agreed to defer the PWC and first reading until we conduct an additional meeting with members of the community before the next scheduled PWC at Charleston County.”

The letters concerning the development can be read below.

Captain Sams Spit vulnerable again as potential legal dispute brews over who controls it

Despite more than 15 years of conservation efforts to preserve Captain Sams Spit and five rulings from the S.C. Supreme Court that confirmed the spit’s importance as both a natural and public resource, the sandy piece of land still isn’t safe from development.This time, it’s a potential loophole in a decadelong agreement between the town of Kiawah Island and the developer that brings Sams Spit once again under legal scrutiny.The 2013 Amended and Restated Development Agreement between the town of Kiawah Island ...

Despite more than 15 years of conservation efforts to preserve Captain Sams Spit and five rulings from the S.C. Supreme Court that confirmed the spit’s importance as both a natural and public resource, the sandy piece of land still isn’t safe from development.

This time, it’s a potential loophole in a decadelong agreement between the town of Kiawah Island and the developer that brings Sams Spit once again under legal scrutiny.

The 2013 Amended and Restated Development Agreement between the town of Kiawah Island and developer Kiawah Resort Associates expired on Dec. 4, 2023. According to the town, the developer did not fulfill two obligations outlined in the contract. The developer disagrees.

The town, Kiawah Island Community Association, the Coastal Conservation League and the S.C. Environmental Law Project say the agreement requires the developer to:

These actions would protect the spit from development efforts.

Kiawah Resort Associates maintains that all requirements have been met and that these two obligations were contingent on development, which did not occur.

“When all the terms of this section are considered together ... the conclusion is inescapable that the entire provision contemplated that the development was to occur before the limited transfer to (the community association), yet that development was made impossible by the courts,” developer representative Jordan Phillips wrote in a letter to the community association.

The town of Kiawah Island issued a demand letter to the developer on Jan. 8, requesting the two obligations in question be fulfilled and reminding the developer that the town can prevent the sale of the spit to a third party. Town officials asked for a response from the developer by Jan. 15. None had been provided by press time, according to Erin Pomrenke, spokesperson for the town of Kiawah Island.

Amy Armstrong, executive director and general counsel at the S.C. Environmental Law Project, has been involved in cases involving Captain Sams Spit since 2008, representing the Conservation League. She said that while the developer isn’t legally required to respond to the demand letter, it would be in their best interest to do so.

“The developer needs to respond because the town is basically threatening a lawsuit against the developer for breach of (the) development agreement,” she said.

Representatives from the town and community association declined to comment at this time. The developer did not respond to requests for comment.

Rising Waters

Conservation v. money

It’s not unusual for conservation efforts like preserving Captain Sams Spit to take decades, Armstrong said. And the reason isn’t a mystery.

“It’s about money,” she said.

Captain Sams Spit is a teardrop-shaped piece of land on the southern tip of Kiawah Island located between the Kiawah River and Atlantic Ocean. It’s one of only three undeveloped, publicly accessible barrier island beaches in the state, and one of the last wild places on the South Carolina coast.

And it’s valuable.

“When there’s a development project like Captain Sams Spit, it would be worth hundreds of millions of dollars to developers,” Armstrong said. “They’re not going to go away easily when they’ve got so much hanging out on the line.”

Armstrong added there’s a lot on the line for the public, too.

“Once it’s gone, it’s gone forever,” she said.

Coastal Conservation League program director Riley Egger emphasized the point.

“Captain Sams Spit is extremely valuable for the people of South Carolina and conservation,” Egger said. “We need to see it permanently protected and permanently conserved.”

From 2008 to 2022, developers attempted to secure permits needed to build 50 luxury homes on Captain Sams Spit and infrastructure such as roads, utility lines and walls to protect the area from flooding and erosion — the spit is constantly transformed by wind and tides and is vulnerable to storms.

Kiawah Island residents criticize development approval process

KIAWAH ISLAND, S.C. (WCSC) - Residents on Kiawah Island are keeping a close eye on presented plans to fix an issue they say they had to point out in the first place. The issue is not enough parking for a development currently being built called “The Cape.”The developers recently submitted a site development revision for “Cape Point parking and emergency access,” but it&...

KIAWAH ISLAND, S.C. (WCSC) - Residents on Kiawah Island are keeping a close eye on presented plans to fix an issue they say they had to point out in the first place. The issue is not enough parking for a development currently being built called “The Cape.”

The developers recently submitted a site development revision for “Cape Point parking and emergency access,” but it’s intended to address only part of the parking deficiency, as they have yet to submit revised plans for the rest of the parking issues. This follows the town and planning director telling them they must do so, only after residents discovered the original plans were approved with a significant lack of parking.

Residents fear the lack of transparency of the plans will continue.

“We’re worried as a community that the planning director will overlook once again, so the community has gotten involved, and we are watching very closely,” Kiawah property owner and land development lawyer Tim Hazel said.

The community feels like they aren’t involved enough in what gets approved and says decisions are made behind closed doors by the planning director alone, and not with the commission as a whole.

Town of Kiawah Planning Director John Taylor Jr. explained the approval process is straightforward.

“Developers will submit plans to the town, we will review those plans and issue comments and work back and forth until the developer addresses the comments and once that is addressed, we will be able to issue approval,” Taylor said.

Hazel said he’s never experienced the doors being open for developers but closed to the community.

“There’s a general sense that the mayor and council want nothing to do with discussions as to community input, the developer isn’t doing a very good job of including the community’s input on these plans so it’s very frustrating,” Hazel said.

Taylor said they have heard from the community throughout this process and have received “tons of emails.”

“The town has responded and listened in,” he said. “We’ve brought in a third-party engineer to review Beachwalker projects which I thought was a positive and a request by the planning staff to do that just to give the community comfortability in our review standards and processes.”

It was told that the town council may be considering changes to the development review process at their next meeting.

Copyright 2023 WCSC. All rights reserved.

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