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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 Team 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 Team, 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 Team. 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.
Who We Serve
At the Health Insurance Solutions Team, 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.
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.
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.
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 Team 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.
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 Team has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.
If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler’s insurance can help minimize expensive cancelation fees and costs.
Most Popular Types of Coverage
Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions Team, 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:
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
- 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.
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)
- 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.
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.
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 Team 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:
- Advent Health
- United Healthcare
- National General
- 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.
Latest News in Ladson
Coastal Carolina Fair returns for 64th year this October
LADSON, S.C. (WCBD) – The Coastal Carolina Fair promises a return to food, fun and thrills when it kicks off at the Ladson fairgrounds in late October.The fair, which is typically held in the fall each year, was canceled in 2020 because of the coronavirus pandemic. Organizers ...
LADSON, S.C. (WCBD) – The Coastal Carolina Fair promises a return to food, fun and thrills when it kicks off at the Ladson fairgrounds in late October.
The fair, which is typically held in the fall each year, was canceled in 2020 because of the coronavirus pandemic. Organizers last summer announced they made the difficult decision out of “extreme caution for the health and safety of the community, volunteers, and staff members” as cases of the virus were on the rise.
“The Coastal Carolina Fair is a world-class fair. It’s got one of the biggest mobile midways in America and we just could not produce that fair and be safe for the public and the workers, bottom line, that’s what happened,” said Glenn McConnell, President of the Coastal Carolina Fair, in June 2020.
Many of the annual events people across the Lowcountry love are back on this year, and that includes the Coastal Carolina Fair when it returns for its 64th year beginning October 28th through November 7th.
The Exchange Club of Charleston, which hosts the fair, said proceeds from the annual event are given back to the community through service grants. More than $500,000 was donated to over 60 local non-profit organizations and individuals following the 2019 fair.
Guests can enjoy plenty of delicious – and often interesting – food from dozens of vendors, exciting games and rides, and myriad creative arts, music, and animal exhibits.
A number of COVID-19 safety precautions will be implemented for the fair such as plastic shields and barriers, cashless payment options, and increased hand sanitizer stations. They also hope to add more kiosks at the fair which will help you complete online transactions.
You are also recommended to purchase your tickets ahead of time. Tickets will go on sale October 1st; we’re told you can buy them in advance online or at Circle K locations which will save both money and time, especially if you purchase them before the first day of the fair.
Live entertainment has not yet been announced for this year’s fair. Fair organizers say entertainment will not be announced before October 1st – that is the date tickets go on sale.
Ladson residents concerned over growing litter problem, calling on officials to help
LADSON, S.C. (WCBD) – When driving down Stoney Road or Heaton Drive in Ladson, you’ll notice trash lining the street. But residents say it’s getting worse, and they’re not sure who to turn to.According to Ladson resident, Amanda Collers, people have started dumping tv’s, mattresses, and even couches on the sides of the roads.“We can’t get help from the county, getting it picked up. And we can’t collectively as a community, haul those things off,” Collers said.Collers ...
LADSON, S.C. (WCBD) – When driving down Stoney Road or Heaton Drive in Ladson, you’ll notice trash lining the street. But residents say it’s getting worse, and they’re not sure who to turn to.
According to Ladson resident, Amanda Collers, people have started dumping tv’s, mattresses, and even couches on the sides of the roads.
“We can’t get help from the county, getting it picked up. And we can’t collectively as a community, haul those things off,” Collers said.
Collers and other community members clean the litter themselves. They joined the nonprofit, PalmettoPride, which provides safety equipment for residents to pick up litter a few days during the year.
Aside from that, Collers said residents also go out at least once a month to collect trash on their own.
However, she said they are struggling to find help with the bigger items.
“A few years ago, we had assigned people who would contact the (Charleston) county when we had big things, and they would come out here and pick it up and now we’re having trouble getting them out here to have it picked up,” Collers explained.
When asked about this issue, Charleston County officials told News 2 Stoney Road and Heaton Drive are state roads. Officials said the county steps in if the trash is on private property.
County officials released a statement to News 2:
“If a property owner leaves trash for collection for more than 48 to 72 hours, then they are in violation of Charleston County ordinance. To address trash left on private property, residents can call Charleston County Code Enforcement. A code enforcement officer shall serve written notice on the owner of the property requiring the owner to abate or remove the litter within 15 calendar days from the date of the notice.”
Collers also said she and other community members have reached out to the South Carolina Department of Transportation. She said they told residents to submit work orders online.
On Friday, News 2 reached out to SCDOT about the issue. They said they hadn’t received any recent reports of litter, however, they said district employees inspected the area and removed what they could accommodate in their truck. They submitted a work order for the rest of the trash.
They advise residents to report issues on state roads at 855-GO-SCDOT or click here.
College Park Estate residents fed up with flooding
LADSON, S.C. (WCIV) — Lots of rain and no solutions.Homeowners in the Berkeley County neighborhood of College Parks Estates are looking for answers from county leaders.“The people in College Park that live on this canal hasn'...
LADSON, S.C. (WCIV) — Lots of rain and no solutions.
Homeowners in the Berkeley County neighborhood of College Parks Estates are looking for answers from county leaders.
“The people in College Park that live on this canal hasn't seen any relief from this,” said resident Marshall Harrison.
His neighbor, Ben Ramsey, said his home has fought a losing battle with heavy rain and flooding for more than 10 years.
“We've been flooded 10 times since 2008,” Ramsey said. “Some, just a little bit of water; some, up to 3-and-a-half-foot of water in the downstairs. Our downstairs is useless.”
Monday’s floodwaters turned the College Park Canal into a raging river.
On Tuesday, Berkeley County crews could be seen dealing with the aftermath left behind on neighborhood bridges, removing trash and debris to allow water to flow downstream.
“They put in these barriers that are supposed to catch all this debris,” Harrison said. “But problem with that is there’s nowhere for the water to flow at that time, and it backs it up farther.”
The WaterGoat was installed by the county to act as a trash-trap, collecting debris at an isolated location and preventing it to flow into harder to reach areas.
But when it comes to clearing out the apparatus, county councilman Tommy Newell said it should be a community effort.
“The volunteer fire department can assist; the county can assist but it has to be a community-type thing,” Newell said.
Newell said he is well-aware of the flooding issues within the neighborhood and said it’s an ongoing issue every time there is a thunderstorm.
He said the county has not sat idly by.
“The county can only do so much,” Newell said. “We have been doing stuff. I’ve asked administration to come up with a history of what we’ve done so we can give that to the public to show we are spending your tax money properly to fix this issue.”
He said the real issue at hand sits outside the county’s jurisdiction.
The Army Corps of Engineers has control over any wetlands dredging.
Currently, a study is underway to investigate current conditions in the neighborhood.
“Box culverts and pipes and other roads and stuff that need to be switched out because they’re 50 years old,” Newell said.
Until changes are made, Newell wants community members— especially those in College Park Estates— to know he is right there with them.
“I’m out there driving the flooded area, making sure people aren’t stranded, stuff like that; that’s what I was doing,” he said. “People say we’re not doing anything and that’s just not true.”
Newell says the results of the study are expected to be available within the coming month.
He encourages community members to volunteer to clear out the WaterGoat.
Volunteers can sign up by contacting Stormwater Program Manager Thurman Simmons at Thurman.firstname.lastname@example.org or call (843) 719-2691.
They can also contact Sarah McCarthy-Smith at email@example.com or call (843) 719-2383.
South Carolina man accused of beating, choking 72-year-old mom unconscious
A South Carolina man is facing a felony assault charge after authorities say he beat and choked his 72-year-old mother unconscious Thursday after telling her he had wrecked her car and she began to cry.The Dorchester County Sheriff’s Office said in a release Friday that it has charged Jerry Lee Wood, 45, of Ladson, with assault and battery of a high and aggravated nature.The felony charge carries a penalty of up to 20 years in prison.Deputies were dispatched to Mickler Drive around 7:20 a.m. Thursday. When authorit...
A South Carolina man is facing a felony assault charge after authorities say he beat and choked his 72-year-old mother unconscious Thursday after telling her he had wrecked her car and she began to cry.
The Dorchester County Sheriff’s Office said in a release Friday that it has charged Jerry Lee Wood, 45, of Ladson, with assault and battery of a high and aggravated nature.
The felony charge carries a penalty of up to 20 years in prison.
Deputies were dispatched to Mickler Drive around 7:20 a.m. Thursday. When authorities arrived about 10 minutes later, Wood’s mother told deputies she had just been assaulted by her son inside the home where they both live.
She told authorities her son got home around 7 a.m. after taking her vehicle without her permission. When Wood told her he had wrecked the car, she looked outside through the blinds in her living room and saw the damaged car.
That’s when she began to cry. But when she told her son that he was going to have to pay for the car, Wood lunged at her, according to an incident report.
The elderly woman told deputies her son knocked her phone out of her hands and began punching her in the face. She said Wood then knocked her to the ground and got on top of her.
He grabbed her by the hair, according to the incident report, and started banging her head against the ground.
That’s when she said her son told her he was “going to kill her” and that this was “her last day to live,”according to the incident report.
Deputies said Wood then began to strangle his mom until she lost consciousness.
When she regained consciousness, the woman saw Wood get off her. After he walked to the bathroom and shut the door, she told deputies that’s when she fled.
She called 911 from a neighbor’s house. When EMS arrived, she was transported to Summerville Medical Center for treatment.
Sheriff’s office spokesman Lt. Rick Carson said in a statement that the victim suffered “significant injuries in addition to being choked into unconsciousness.”
Dorchester County Sheriff’s deputies approached the home where the alleged assault took place and tried to talk to Wood.
Deputies say he refused to come out, shouting, “You better not come through that door mother (expletive).”
Deputies again tried to talk to Wood through the door.
Wood refused to comply and continued to shout, according to deputies.
“I have a bomb and a hostage,” Wood warned, according to deputies. “Get off my property mother (expletive).”
After their unsuccessful first attempt, deputies returned hours later with an arrest warrant.
Wood continued to say he had a bomb inside the house, and deputies decided to kick in the front door of the house.
They found Wood sitting on the couch in the living room. Deputies cuffed him, put him the back of a patrol car and drove him to the Summerville Medical Center after he told them his right foot might be broken.
He was later booked at the L.C. Knight Detention Center in Summerville.
On Friday morning, a judge set Wood’s bond at $150,000.
The investigation is ongoing, and the sheriff’s office said additional charges may be coming.
Another Turner on the way for Clemson football
Clemson coach Dabo Swinney raised eyebrows in recruiting circles on signing day of 2016 when he announced little-known safety Nolan Turner of Vestavia Hills, Alabama as part of the class.Turner was the son of one of Swinney’s former Alabama teammates, and to many it appeared he was just doing the family a favor. Well, Turner returned that favor many times over totaling 192 tackles and seven interceptions in his career.Swinney has gone back to the Turner family for another off-the-radar addition, this time wide receiver Co...
Clemson coach Dabo Swinney raised eyebrows in recruiting circles on signing day of 2016 when he announced little-known safety Nolan Turner of Vestavia Hills, Alabama as part of the class.
Turner was the son of one of Swinney’s former Alabama teammates, and to many it appeared he was just doing the family a favor. Well, Turner returned that favor many times over totaling 192 tackles and seven interceptions in his career.
Swinney has gone back to the Turner family for another off-the-radar addition, this time wide receiver Cole Turner. The younger Turner (6-2, 180) made his official visit with the Tigers over the weekend and announced his commitment on Sunday.
His only other offer was from Buffalo. But he’s athletic and fast, reportedly 4.42 seconds in the 40-yard dash, and that attracted strong attention from receivers coach Tyler Grisham.
“He kind of told me he sees me playing anywhere on the field,” Turner said earlier this month after getting his offer from Clemson. “Playing at multiple different places. He can move me around a little bit. I am more of a speed receiver and a deep threat. I can do anything and be whatever they need to be.”
Of course, Turner is very familiar with Clemson the program and Clemson the school. It didn’t take much to convince him this was the route he needed to run.
“It’s a great place,” he said. “The big thing for me is that it is a place that feels like home, and Clemson has that feel to it.”
During the 2021 season, Turner had 42 catches for 581 yards and seven receiving touchdowns. He also recorded a punt return for a touchdown, a kickoff return for a touchdown, and had two passing touchdowns (on double passes).
He’s the third receiver in the Tigers’ 2022 class. The Tigers loss veteran Justyn Ross to the NFL Draft and other wideouts Ajou Ajou and Frank Ladson to the transfer portal.
Cornerback Myles Oliver (6-1, 170) of Douglasville, Georgia had a big weekend at Clemson.
He arrived on Friday for his official visit without an offer. He got that offer on Saturday. And on Sunday, before departing, he committed to head coach Dabo Swinney.
He gives the Tigers three in the 2022 class at cornerback, a position of need with both starters leaving for the NFL.
Unlike Andrew Booth and Mario Goodrich, Oliver was not highly listed on the board of top cornerbacks nationally. His other offers were from Georgia Tech, Charleston Southern and Bethune-Cookman. But that didn’t deter Clemson corners coach Mike Reed from going all-in for him.
“He’s been saying that he likes my speed, size and athleticism,” Oliver said. “It’s a good, winning program. That’s what I like about Clemson. I like how their defense sets up, and how coach Reed coaches the corners. He’s had a whole bunch of corners who have gone to the NFL.”
This season Oliver had 75 tackles with 5 interceptions on defense, and on offense, he had 552 all-purpose yards. He also scored four touchdowns.
This story was originally published January 16, 2022 2:21 PM.