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

 Health Insurance Companies Ladson, SC
 Health Insurance Ladson, 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 Ladson, SC
 Private Health Insurance Ladson, 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 Ladson, 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 Ladson, SC

Sensory-Friendly Santa event in Charleston caters to families with autistic kids

In Charleston’s bustling holiday season, parents gear up to bring kids to the traditional Santa at the mall. But for parents of autistic kids, that vibrant scene could be a potential sensory overload.That’s why the Medical University of South Carolina’s SPARK research group and Tri-County Therapy are hosting a Sensory-Friendly Santa event on Dec. 2 in Ladson at 3851 Commercial Center Drive from noon to 5 p.m.Autism families often have to forego the traditional photo of kids with Santa, said Dr. Laura Carpenter...

In Charleston’s bustling holiday season, parents gear up to bring kids to the traditional Santa at the mall. But for parents of autistic kids, that vibrant scene could be a potential sensory overload.

That’s why the Medical University of South Carolina’s SPARK research group and Tri-County Therapy are hosting a Sensory-Friendly Santa event on Dec. 2 in Ladson at 3851 Commercial Center Drive from noon to 5 p.m.

Autism families often have to forego the traditional photo of kids with Santa, said Dr. Laura Carpenter, professor of pediatrics and psychiatry and chief of psychology for SPARK.

“Going to a crowded Christmas event can be really hard because those are usually lots of lights, lots of noise and lots of crowds that can be really overwhelming,” Carpenter said. “We’re trying to give them that typical childhood experience, but in a way that is actually enjoyable for the child.”

According to a recent report from the Centers for Disease Control and Prevention (CDC), one in 36 children have been identified with autism spectrum disorder at age 8, a significant rise from past years. The CDC also found that autism diagnoses increased 30 percent from 2018-2020 in minority communities.

“For the first time, the percentage of Asian, Black and Hispanic children identified with autism was higher than among 8-year-old White children,” according to an article published by the S.C. Department of Health and Environmental Control.

The Ladson event will not only give kids a chance to experience Santa Claus in a less-crowded and overwhelming environment, but families are also able to contribute to autism research.

SPARK is a nationwide community of families, autistic adults and researchers working to understand autism and improve lives. The organization is researching autism across the lifespan to better understand what makes each person with autism unique — and how each child, adult and family can get the support they need to thrive. There are approximately 50,000 people included so far.

NORTH CHARLESTON — To continue efforts to become the Coast Guard’s “operational center of gravity” on the East Coast, officials broke ground Jan. 26 on its new $160 million campus.

This 64-acre site along the Cooper River — just south of the former naval base that closed in 1996 — will house an administration building and redesigned 1,100-foot concrete pier.

Construction is expected to begin later this year and be completed in 2026.

“This Charleston campus will have improved infrastructure that translates into more productive personnel and more efficient operations,” said Capt. Neal Armstrong, the commanding officer of facilities design and construction.

The 51,500-square-foot administration building will provide training and conference room space, and additional rooms dedicated to cutter ship support.

Sustainability is a priority, so the new facility will achieve net-zero energy usage and a net-zero carbon footprint, Armstrong said.

The current Pier November will be replaced with a pier more than three feet taller to enhance durability during coastal storms. It will provide utilities to support five national security cutters and a 90-ton crane, which is critical for dockside maintenance, Armstrong said.

During the design and construction phases nearly 60 subcontractors will support the two main contractors on the project, Whiting-Turner Contracting Company and RQ Construction LLC, providing work for nearly 900 people.

Commandant of the Coast Guard Adm. Linda Fagan, who spoke at the groundbreaking ceremony, said every Coast Guard mission begins and ends at a shore facility. When the ships are not at sea, they need a base that can provide necessary maintenance, she added.

The missions conducted at Base Charleston are vital to protecting national security and economic prosperity, Fagan said, adding that the new campus will aid in “lifesaving work,” including patrolling the waters for smuggled narcotics.

Berkeley Co. deputies investigating after shooting leaves 1 injured in Ladson

The Berkeley County Sheriff’s Office is investigating after a shooting in Ladson left one person injured.The shooting occurred on Miami Street, off College Park Road.Just after 1 p.m. on Friday, Nov. 10, Berkeley County Communications received a 911 call about a shooting that occurred with one person injured. Responding deputies located the victim in the parking lot of Food Lion after the victim attempted to have someone drive them to an emergency room.The victim was transported to an area hospital for treatment....

The Berkeley County Sheriff’s Office is investigating after a shooting in Ladson left one person injured.

The shooting occurred on Miami Street, off College Park Road.

Just after 1 p.m. on Friday, Nov. 10, Berkeley County Communications received a 911 call about a shooting that occurred with one person injured. Responding deputies located the victim in the parking lot of Food Lion after the victim attempted to have someone drive them to an emergency room.

The victim was transported to an area hospital for treatment.

The Berkeley County Sheriff’s Office continues to investigate this case.

Dar Shokri and Fred Robinson each hit a hole-in-one in January to start 2024 off with a bang at Goose Creek’s Crowfield Golf Club

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Goose Creek Mayor Greg Habib, left, was joined by John Matthews of the Goose Creek NAACP at city hall to officially proclaim Monday, Jan. 15, as Dr. Martin Luther King Jr. Day in the city of Goose Creek. King was born Jan. 15, 1929, and the day has been celebrated as a federal holiday for 38 years. The proclamation praises King for “working alongside people of all ages, races and backgrounds” and encouraging Americans “to come together to strengthen communities and empower the impoverished.”

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By submitting this form, you are consenting to receive marketing emails from: The Post and Courier, 148 Williman Street, Charleston, SC, 29403, US, https://www.postandcourier.com. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact.

Leidos announces new manufacturing facility in North Charleston, South Carolina

Facility will insource production of key security products and bring new jobs to the region(RESTON, Va.) July 6, 2023 – Leidos (NYSE:LDOS), a FORTUNE® 500 science and technology leader, today announced plans to establish a new security systems manufacturing facility in North Charleston, South Carolina. This will be the company’s third security systems manufacturing location in the U.S., expanding its presence and support to customers. Le...

Facility will insource production of key security products and bring new jobs to the region

(RESTON, Va.) July 6, 2023 – Leidos (NYSE:LDOS), a FORTUNE® 500 science and technology leader, today announced plans to establish a new security systems manufacturing facility in North Charleston, South Carolina. This will be the company’s third security systems manufacturing location in the U.S., expanding its presence and support to customers. Leidos will invest $31.7 million in the new facility, creating up to 170 new jobs in the region over time.

“This facility brings more manufacturing back into the U.S. and expands Leidos’ global security capabilities for the aviation and critical infrastructure markets,” said Jim Moos, Leidos Civil Group president. “We’re thrilled to expand into the North Charleston area and look forward to making a positive impact in the community.”

The new facility will produce security systems for Leidos’ Security Enterprise Solutions (SES) operation. SES offers a comprehensive suite of fully automated and integrated products for aviation, shipping ports, border crossings and critical infrastructure customers. These systems provide threat detection by screening baggage, cargo and people at checkpoints around the world.

“Leidos’ $31.7 million investment in their new facility here in the Lowcountry will lead to significant job growth and economic development,” said Congresswoman Nancy Mace (R-SC-1). “We congratulate them on their expanding operation and thank them for putting their faith in South Carolina.”

Located in Ladson Industrial Park, the new 150,000-square-foot facility will enable Leidos to onshore more manufacturing increasing the company’s critical capacity to support its growing customer base. The new plant will optimize manufacturing efficiency, quality and safety through application of best-in-class manufacturing processes. The facility is currently under construction and is expected to be fully operational by the first half of 2024.

About Leidos

Leidos is a Fortune 500® technology, engineering, and science solutions and services leader working to solve the world’s toughest challenges in the defense, intelligence, civil, and health markets. The company’s 46,000 employees support vital missions for government and commercial customers. Headquartered in Reston, Virginia, Leidos reported annual revenues of approximately $14.4 billion for the fiscal year ended December 30, 2022. For more information, visit www.leidos.com.

Certain statements in this announcement constitute “forward-looking statements” within the meaning of the rules and regulations of the U.S. Securities and Exchange Commission (SEC). These statements are based on management’s current beliefs and expectations and are subject to significant risks and uncertainties. These statements are not guarantees of future results or occurrences. A number of factors could cause our actual results, performance, achievements, or industry results to be different from the results, performance, or achievements expressed or implied by such forward-looking statements. These factors include, but are not limited to, the “Risk Factors” set forth in Leidos’ Annual Report on Form 10-K for the fiscal year ended December 30, 2022, and other such filings that Leidos makes with the SEC from time to time. Readers are cautioned not to place undue reliance on such forward-looking statements, which speak only as of the date hereof. Leidos does not undertake to update forward-looking statements to reflect the impact of circumstances or events that arise after the date the forward-looking statements were made.

OSHA cites Ladson business after woman ‘crushed’ by large door, dies

CHARLESTON COUNTY, S.C. (WCSC) - More than six months after a woman was crushed to death at a Ladson business, officials with the South Carolina Occupation Safety and Health Administration have shared their investigative findings on what they believe the business failed to do.Jessica Birkmire, 53, died at Pegasus Steel in Ladson on Jan. 12 after a large, steel door closed on her, crushing her arm and head, according to the ...

CHARLESTON COUNTY, S.C. (WCSC) - More than six months after a woman was crushed to death at a Ladson business, officials with the South Carolina Occupation Safety and Health Administration have shared their investigative findings on what they believe the business failed to do.

Jessica Birkmire, 53, died at Pegasus Steel in Ladson on Jan. 12 after a large, steel door closed on her, crushing her arm and head, according to the Charleston County Coroner.

OSHA’s investigative report says Birkmire was preparing to unload materials at a large bay door when she reached through a small gap to click the ‘open’ button. She instead clicked the ‘close’ button, and the door shut on Birkmire.

OSHA details how Pegasus Steel did not conduct a ‘job hazard analysis,’ and despite making references to these job inspections, they provided no documentation to prove these risk assessments had been completed.

They say their inspection revealed conditions they believe to be in violation of state health and safety laws, specifically Code 41-15-210, which states “each employer shall furnish to his employees employment and a place of employment which are free from recognized hazards that are causing or are likely to cause death or serious physical harm to his employees.”

The report states this is a ‘serious’ violation.

OSHA’s report goes on to say there is, however, a memo from management sent out last summer that explains how employees were not authorized to walk through the bay doors, according to the report. During investigative interviews, OSHA found employees were routinely walking through these doors, and the report states no disciplinary action was taken.

The Chief Human Resources Officer for Pegasus Steel said in an interview with OSHA officials that Birkmire broke safety codes at the business when she reached through the bay door. The report also details how Birkmire was “headstrong” and that management had told her in the past to “not place her body in places that can hurt her.”

OSHA says the company also should have had sensors in place to detect objects in the door’s path.

OSHA provided Pegasus Steel with tips on how to keep the door from closing on people again including installing sensors. The business is also now ordered to pay a penalty of $3,500.

Officials said in the report they’re currently working on relocating those control buttons that Birkmire pushed. The business did not respond to a request for comment.

Copyright 2023 WCSC. All rights reserved.

Ladson man raises concerns over large number of dead bees

LADSON, S.C. (WCIV) — There is a buzz in the Ladson area about dead bees near a house. The homeowner is concerned after finding them.Bees are important pollinators. Many crops people eat are thanks to them. On top of that, honeybees produce honey.Read more: ...

LADSON, S.C. (WCIV) — There is a buzz in the Ladson area about dead bees near a house. The homeowner is concerned after finding them.

Bees are important pollinators. Many crops people eat are thanks to them. On top of that, honeybees produce honey.

Read more: Grand Bees residents voice concerns over heavy crow population in their neighborhood

"I get up in the morning, and I come through here because there is a lot of pine straw and leaves," Chris Wells said. "I'll blow all this off, so they are normally congregated around here and up here."

"In the back, don't really find many, but I got chickens back there," he continued. "(The chickens) probably eat them once they are on the ground and dead."

It's been happening over the past month. Near the front of the house, Wells says he was finding up to 100 a day. Recently, it's been a little less, but still more than 20 a day.

Wells doesn't think mosquito spraying is the cause since his house in Dorchester County was last sprayed two weeks ago. Other areas in the Lowcountry allow residents to opt out of spraying to protect bees.

Brian Fahey, who does beekeeping as a hobby, is impressed with how Charleston County officials work hard to protect the bees.

"The measures (county officials) take to make certain that they're not over-paying or contaminating any of our hives or taking out any bees (includes) spraying at night," he said. "Bees only fly during the day, they need sunlight to be able to navigate."

By looking at the pictures, Fahey thinks the bees' tongues sticking out could be a sign of poisoning, but it is hard to tell without further inspection. He says the bees definitely look older, although they typically only live up to 45 days.

Read more: Bee swarming season: what to do if you spot a swarm

"The last thing honeybees do is forage," Fahey said. "As they're forging, they're on their last legs. They're beating their wings to death."

Whatever the cause, Wells is hoping to get to the root of the problem because he believes the lack of bees around him has resulted in less pollination this year.

“We have a bunch of plants back there that needed to be pollinated," he said. "We didn't get any blueberries this year. Got a few figs, but normally, we get a pretty good amount of blueberries."

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