health insurance agent in Mount Pleasant
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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 Mount Pleasant 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 Mount Pleasant 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 Mount Pleasant 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 Mount Pleasant 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 Mount Pleasant 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 Mount Pleasant, 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 Mount Pleasant
Mount Pleasant residents show concern over potential rezoning
MOUNT PLEASANT, S.C. (WCSC) - The Mount Pleasant Planning Commission is set to vote on a rezoning request that could bring changes to a small neighborhood just off Highway 17.“Outside the neighborhood, it’s concrete and asphalt. We are surrounded by commercial Mount Pleasant,” says Chad McPeters, who lives in the neighborhood. “This is like a time capsule of Mt. Pleasant 50 years ago. This is one of the last little gems left in Mount Pleasant.”The small community neighbors call ‘Louise Terrac...
MOUNT PLEASANT, S.C. (WCSC) - The Mount Pleasant Planning Commission is set to vote on a rezoning request that could bring changes to a small neighborhood just off Highway 17.
“Outside the neighborhood, it’s concrete and asphalt. We are surrounded by commercial Mount Pleasant,” says Chad McPeters, who lives in the neighborhood. “This is like a time capsule of Mt. Pleasant 50 years ago. This is one of the last little gems left in Mount Pleasant.”
The small community neighbors call ‘Louise Terrace’ is surrounded by commercial development and high-density apartment buildings. The rezoning request on the Planning Commission’s agenda is to rezone part of the Louise Terrace to a Townhouse District, potentially allowing for townhouses to be right next to and across from houses over half a century old.
While the request does not directly affect McPeters’ house, his concern transcends the rezoning vote at Wednesday’s Planning Commission meeting.
McPeters says his fear is high-density developments changing the character of the neighborhood, potentially bringing in more traffic and fitting new infrastructure in a small neighborhood that neighbors say is already experiencing issues like flooding.
While he is not against development, McPeters says a vote to change the zoning in a small neighborhood is only “putting a foot in the door for bigger, high-density development.”
“Growth is a great thing until it’s unregulated, unsupported and unsustainable, and then it becomes a cancer,” McPeters says.
The decades-old neighborhood is still in the very early stages of seeing any potential for development, in fact, a rezoning request is just the very beginning, which is why several residents plan to attend the Planning Commission meeting.
“You can see right now, there’s no high-density houses here right now,” McPeters says. “There are no giant developments. It’s all single-family houses, and that’s the way we want it to stay. I’d just like to ask them to say no to the rezoning.”
Wednesday’s vote covers only one property in the small neighborhood, but the commission says votes on other properties are “forthcoming.”
Other area residents say they are open to the potential for change, and that rezoning and development are inevitable in a fast-growing city like Mt. Pleasant.
The Mount Pleasant Planning Commission meeting is set for Wednesday at 5 p.m. You can find the full meeting agenda here.
Copyright 2022 WCSC. All rights reserved.
Lowcountry hospitals working to address blood shortage amid COVID-19
MOUNT PLEASANT, S.C. (WCBD) – Medical professionals are recognizing a national blood shortage due to the COVID-19 pandemic. Some Lowcountry hospitals are doing their part to help end the shortage.East Cooper Medical Center says they’re feeling the impact of the lack of blood and are looking for creative ways to help to close the gap. Some of those include community blood drives.“I think we were able to hold this off for a while but it’s finally caught up with us,” says Dr. Joe Sanfrancesco, a Patho...
MOUNT PLEASANT, S.C. (WCBD) – Medical professionals are recognizing a national blood shortage due to the COVID-19 pandemic. Some Lowcountry hospitals are doing their part to help end the shortage.
East Cooper Medical Center says they’re feeling the impact of the lack of blood and are looking for creative ways to help to close the gap. Some of those include community blood drives.
“I think we were able to hold this off for a while but it’s finally caught up with us,” says Dr. Joe Sanfrancesco, a Pathologist and Medical Director of the Lab at East Cooper Medical Center.
Medical professionals across the Lowcountry say the blood shortage is reaching critical levels.
“I think some would argue we’re already there,” says Dr. Sanfrancesco. “And I think it’s something that really because it’s an amoeba, it’s a live product. This is something we need to address as soon as possible.”
From East Cooper Medical Center to Tidelands Health, doctors say the shortage is a direct result of COVID-19.
“You know we’ve just been in this pandemic,” says Brooke Howard, Vice President of Operations with Tidelands. “It’s been very difficult for people to make it out of their homes, participate in blood drives, just kind of led to this, to the events that we’re in now.”
East Cooper says they’re hoping to close the gap through community blood drives. Howard says Tidelands Health’s recent partnership with The Blood Connection is their best hope to ensuring the hospital has enough supply.
“We just wanted to make sure that we had adequate blood supply for our patients in the area,” says Howard. “Obviously, there is a nationwide blood shortage that we are facing.”
Both hospitals say COVID-19 protocols will be strictly enforced at blood drives in hopes of encouraging more to provide hope for others.
East Cooper Medical Center plans to hold a blood drive Friday, January 28th from 10:00 a.m. to 3:00 p.m. at the hospital. Howard says Tidelands Health is planning to hold blood drives in the coming weeks in partnership with The Blood Connection.
Some families having trouble claiming free, at-home COVID-19 tests
MOUNT PLEASANT, S.C. (WCBD) – The plan to send free, at-home COVID-19 tests through the U.S. Postal Service (USPS) launched on the web Tuesday.- While many have already claimed their free tests, some people are running into issues trying to claim theirs.Getting your free at-home COVID-19 tests is not as easy as expected. An error message stating “At-home COVID-19 tests have already been ordered for this address” has left many looking to obtain their free tests confused.Arlene Clark, who plans to claim her free...
MOUNT PLEASANT, S.C. (WCBD) – The plan to send free, at-home COVID-19 tests through the U.S. Postal Service (USPS) launched on the web Tuesday.- While many have already claimed their free tests, some people are running into issues trying to claim theirs.
Getting your free at-home COVID-19 tests is not as easy as expected. An error message stating “At-home COVID-19 tests have already been ordered for this address” has left many looking to obtain their free tests confused.
Arlene Clark, who plans to claim her free tests soon, says she’d like to have the at-home tests just in case.
“I don’t feel like it’s important for me to have it now,” Clark said. “I don’t run to get tested. I think if I ever had the symptoms of COVID, I’d like it, you know, to be convenient.”
She hasn’t run into issues obtaining her test yet, but she says she’s heard about the problem and thinks it’s because the program is so new.
“I think it’s too soon,” she said. “I don’t know anyone that’s gotten it yet. The only one I know that has even sent for it is my brother in New York. So, I just think it’s going to take a while for people to start thinking about getting it.”
Officials say the program is limited to four tests per residential address, meaning those living in apartments, duplexes and other multi-unit homes may run into problems.
USPS says if you come across the error message, you should make sure someone in your household didn’t already claim your tests.
If no one has, USPS encourages you to file a service request on their website, or get tested at a nearby testing site.
Clark says she’s just happy that the option to claim four free at-home COVID tests is available.
“So, I would probably get it and hold onto it until I think I need it,” she said.
White house officials say it will be several weeks before the free tests are shipped to homes.
At-home test kits will hopefully relieve pressure, says Lowcountry pharmacy owner
MOUNT PLEASANT, S.C. (WCIV) — The Biden Administration has officially rolled out a website where individuals can order free at-home COVID 19 test kits. There is a limit of four per household.This comes as test kits are in high demand. It seems as soon as pharmacies get them in, they're swiped off the shelves.We asked Dr. Kay Durst of Roper St. Francis if she thinks these kits are reliable. "Yes I think they are," she said....
MOUNT PLEASANT, S.C. (WCIV) — The Biden Administration has officially rolled out a website where individuals can order free at-home COVID 19 test kits. There is a limit of four per household.
This comes as test kits are in high demand. It seems as soon as pharmacies get them in, they're swiped off the shelves.
We asked Dr. Kay Durst of Roper St. Francis if she thinks these kits are reliable. "Yes I think they are," she said.
Watch ABC News 4 live at 6 p.m. in the player below or at abcnews4.com/watch.
She believes at-home tests provided by the government are a trusty tool if used correctly.
"Whatever test you get, if it’s one they’re mailing or you’re picking up, read the directions," said Dr. Durst. "They’re all pretty different."
She says if you're having symptoms, test. If you've been exposed and have no symptoms, wait five days before you do.
"I wish we could get more than four per household, because a lot of people have several people," said Dr. Durst.
"Four per household is not a whole lot, let’s be honest," said Cynthia Feldman, founder and CEO of Sweetgrass Pharmacy. "If you have a household of more than four, certainly you need more than that."
She orders at least 300 at a time for her pharmacy and sells out in a day.
"As far as the over-the-counter testing kits, as soon as they became available for us to order they were flying off the shelves," Feldman explained.
As soon as you call Sweetgrass Pharmacy, you'll hear a voicemail saying they're all out of COVID test kits right now.
"We were receiving upward of 200 phone calls a day asking if we had test kits," Feldman said. "It took a huge strain on our staff just to the calls so that’s why we put that out there."
She's hopeful the free government kits will take some of the pressure off pharmacies.
Feldman adds if you're currently having COVID 19 symptoms, you'll need to go to a doctor or buy an at-home test kit from a pharmacy.
The ones provided by the government are not expected to ship for at least seven to 12 days.
Opinion: My week with omicron
As I write, I’m on Day 4 of isolation. That is, I’m locked away in my room, hostage to the mercies of my insouciant butler, who, along with our petite zoo, has been free-roaming throughout the house and enjoying his wife’s indisposed condition a tad too much.I’m not a happy dependent, as some readers might imagine, and am finding my butler’s sporadic attention to my needs more than a little annoying. He takes my mood as a sign of improving health, and my dependency, I suspect, as an opportunity to control...
As I write, I’m on Day 4 of isolation. That is, I’m locked away in my room, hostage to the mercies of my insouciant butler, who, along with our petite zoo, has been free-roaming throughout the house and enjoying his wife’s indisposed condition a tad too much.
I’m not a happy dependent, as some readers might imagine, and am finding my butler’s sporadic attention to my needs more than a little annoying. He takes my mood as a sign of improving health, and my dependency, I suspect, as an opportunity to control my caloric intake. Apparently, he hasn’t yet heard about the anti-diet movement.
In the spirit of public service, I thought I’d share my experience — very briefly — for the few who’ve not yet had the displeasure.
Day 1 produced a slight hint of something not-quite-right. A mini wave of nausea caused me to notice that I was sneezing quite a bit and ripping through a box of tissues. I had thought it was only the lingering effects of the weekend’s ice storm — and life in an elderly house (c. 1827) that requires an indoor coat in winter. I think of home, appropriately, as a large wine cooler.
Day 3, ditto, with a worsening cough and notable chest pressure. More napping. I rallied long enough for a shower, which reminded me I should have taken one sooner.
Day 4, lipstick. Weary of my wretched image as I ambulated past a mirror, I dabbed a little rouge on my lips, hoping that perhaps now my butler might be inclined to provide more than a bowl of gruel each midday.
Obviously, I’ve turned a corner and will be in fighting form again before this column hits print. This is to confirm, as you’ve already heard, that omicron sometimes causes a less severe version of covid (for the vaccinated) and, in my case, without fever. Some have fared worse than I, others much better. An 82-year-old friend had no symptoms at all.
How did I catch it? That’s the riddle of our time, especially if, like me, you’ve had your three shots and typically wear a mask in public. Additionally, and testament to my not-so-latent obsessive-compulsive tendencies, I hold my breath if closer than six feet to another human until I can scoot away. A bird’s-eye view of my erratic path through a grocery store would look like a drunken rat trying to resolve an inscrutable maze.
Between naps, I’ve retraced my steps in the days preceding my positive test, including car travel to a few destinations over the long weekend. Did someone’s cough float on a breeze toward me as I sat by a bonfire at an outdoor pizza joint in Mount Pleasant, S.C.? What about the guy who, clearing his throat, passed by the ATM as I extracted some cash in nearby Lake City?
We can drive ourselves crazy trying to figure out who, when and where. The truth is that omicron is everywhere. Perhaps we’re on our way to herd immunity, though experts predict a reprieve from infections would be short-lived pending another, new variant and barring a vaccination rate of at least 70 percent of the population.
Estimates are that about 740,000 people test positive for the coronavirus daily. That’s a lot of sick days, and a lot of disruption to businesses and excessive strain on health-care workers. It makes some people wonder whether we should go on about our business even when we test positive. I suspect many people do just that. Not sick enough to stay in bed — and needed at work — they figure everybody is going to get it anyway. Or so I’ve heard tell.
The downside to this argument is that not everyone has been vaccinated and many of those folks could get sick and possibly die. But really, whose fault is that? If you want to survive covid, there’s only one clear option: get the shots and cheat the reaper. Evidence is overwhelming that people with covid who are unvaccinated are much more likely to be hospitalized.
I’m not recommending that anyone ignore medical advice to isolate if sick or quarantine if exposed. Omicron isn’t nothing. I was sicker than I thought I’d be, but I’m going to be fine. It seems we’re nearing the end zone. If you’d like to join the celebration, get the vaccine.
If you’ve followed all the rules, good for you — and me. If all else fails and you feel like you might be getting sick, try to make the best of it. Charge your batteries, stockpile some easy edibles and notify your butler(s) that their services may be required.