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

 Health Insurance Companies Myrtle Beach, SC
 Health Insurance Myrtle Beach, 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 Myrtle Beach, SC
 Private Health Insurance Myrtle Beach, 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 Myrtle Beach, 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 Myrtle Beach, SC

Here’s why Myrtle Beach, SC wants to stop long-term rental conversions in the city

The City of Myrtle Beach stands to lose millions if more short-term rental properties are converted into long-term rental properties.It’s that reason that the city council approved a nine-month moratorium on turning short-term rentals into long-term properties. The moratorium would extend to the end of the year.It’s common practice that some short-term rental...

The City of Myrtle Beach stands to lose millions if more short-term rental properties are converted into long-term rental properties.

It’s that reason that the city council approved a nine-month moratorium on turning short-term rentals into long-term properties. The moratorium would extend to the end of the year.

It’s common practice that some short-term rental owners use their property as long-term options during the off-season. Nationally, some local governments are encouraging short-term rentals convert their properties, according to Avalara.

City of Myrtle Beach Director of Public Information Mark Kruea said that every 1,000 short-term rentals turned into long-term ones equals a loss of $5.7 million in direct economic impact. The city and state receive revenue from short-term rentals via the state accommodation tax and Myrtle Beach’s local hospitality fee.

“From an economic standpoint, if you lose all the short-term rentals or a lot of the short-term rentals along the oceanfront, what effect does that have on the economy?” Kruea said.

Kruea said the Chamber of Commerce provided the $5.7 million statistic.

Myrtle Beach Area Chamber of Commerce Director of Communications Marlane White did not return a request for comment before publication.

The city designates properties as short-term rentals if they allow visitors to stay for less than 90 days. According to a City of Myrtle Beach map, most oceanfront properties zoned for short-term rentals are between Farrow Parkway and 82nd Parkway.

Kruea added that the city became alarmed by the number of requests made by property owners to change the purpose of their units, and thus, the city enacted the moratorium. While the number of requests has increased, Kruea did not have an exact number and said the city didn’t know what was causing the trend.

The initial proposal for the moratorium claimed that hundreds of units had been switched from short-term rentals to long-term rentals and added that the loss of revenue derived from short-term rentals could impact “the City’s ability to provide essential public services.”

The new moratorium covers the east of Ocean Boulevard to Kings Highway, including from Grande Dunes Boulevard to where Ocean Boulevard and Kings Highway intersect, according to the city council proposal.

Kruea said the ban can be extended if needed. Units already converted to long-term rental properties won’t be impacted by the moratorium, and Kruea said the temporary ban doesn’t affect properties licensed or zoned for long-term rentals.

The pause is meant to allow the city to study the impact of this growing trend, but Kruea said he didn’t know if the city had selected a firm or how much a study would cost.

The move comes after Grand Strand short-term renters during the 2023 summer reported mixed results, with the supply of Airbnbs growing in particular. While not uniform, some short-term renters said their units were booked on fewer days than in previous years and that prospective vacationers waited longer to schedule their stays.

Lijun Chen is an Airbnb Superhost and owns a beachfront condo in Myrtle Beach. Chen said the new moratorium will not impact her business, as the longest guest stay is a month. Chen added the 2024 spring season is better than in 2023; however, summer bookings are still slow as customers seem to be biding their time before booking.

Humane Society could move back to square one over land. Why is council opposed to deal?

Reality Check is a new Sun News series holding those in power accountable, shining a light on local issues, and answering readers’ essential questions. Have a question or concern we can answer? Email online@thesunnews.com.The Grand Strand Humane Society may have to start its hunt for a new facility over for a third time.Horry County Council has discussed changing the zoning of a parcel of land where the Grand Strand Humane Society is set to ...

Reality Check is a new Sun News series holding those in power accountable, shining a light on local issues, and answering readers’ essential questions. Have a question or concern we can answer? Email online@thesunnews.com.

The Grand Strand Humane Society may have to start its hunt for a new facility over for a third time.

Horry County Council has discussed changing the zoning of a parcel of land where the Grand Strand Humane Society is set to built its new shelter. Council members said they have felt “blindsided” by the animal shelter’s location.

The land along Piedmont Avenue is currently zoned as light industrial, which allows for animal services, but that could be changed.

Council Member Gary Loftus, whose district includes Piedmont Avenue, said he wants council members to consider changing the zoning to no longer permit animal services. The issue is expected to be placed on next the Infrastructure and Regulation Committee agenda

Jess Wnuk, the Grand Strand Humane Society director, said she feels this rezoning is being done specifically to prevent the animal shelter from being built and that she feels personally attacked by it.

“To seek additional action against the Grand Strand Humane Society when it was Horry County that created that zoning area makes it feel like we are targeted,” Wnuk said.

Loftus said he and other council members felt “blindsided.” In addition, a political connection regarding the donation of the land has some upset.

A resolution to show support for the new shelter location passed council in November and then was rescinded in January after neighbors complained.

The original resolution did not include the location, and Loftus said he and other members did not know the exact spot of the shelter until neighbors came to a council meeting in early January.

Wnuk said she also did not know the exact location when the November resolution was passed. Santee Cooper and the Grand Strand Humane Society were discussing potential land options but had not decided on one yet, Wnuk said.

In November, the Grand Strand Humane Society made a deal with Santee Cooper to build the shelter on an unused piece of land the utility company owns. This decision was met by angry neighbors as it would be built across the street from a small neighborhood.

In March, the land lease was approved by the South Carolina Joint Bond Review Committee. Loftus said he did not know that it was going to the Humane Society.

Santee Cooper spokesperson Tracy Vreeland first told The Sun News about going to the Joint Bond Review Committee in January. Other news sites have also reported being approved by the committee is part of the process.

At the Horry County Council Infrastructure and Regulation Committee meeting on Tuesday, Al Allen said Loftus could bypass going through committees by working with county employees. This would allow rezoning to happen faster.

The shelter has been dealing with controversies over its location since last summer. It had planned to be built near a neighborhood in the Carolina Forest area, but after Horry County Council members said they would not approve it, the shelter pulled out of the deal.

The shelter has met with residents twice and tried to mitigate residents’ worries by hiring a new architectural agency.

Another part of the controversy is a personal relationship between the Grand Strand Humane Society President Lindsey Rankin and Santee Cooper Vice Chairman David Singleton. Singleton is a longtime time friend of Luke Rankin, Lindsey’s husband and South Carolina state senator, The Sun News reported.

Records show Singleton initiated the search last June for a suitable property at the request of Lindsey Rankin. Lindsey Rankin said she reached out to Singleton because of her relationship with him.

Loftus and residents of Waterside Drive have said they feel the Humane Society got the land because of political favoritism.

Santee Cooper had an independent law firm conduct an investigation into neighbors’ allegations about a potential conflict of interest and found no violations.

This story was originally published April 11, 2024, 9:19 AM.

Follow more of our reporting on Reality Check

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19th Annual Myrtle Beach International Film Festival Features Special Event: Freedom of Speech Symposium

The 19th Annual Myrtle Beach International Film Festival has become one of the nation's premier film events boasting 39 of the best films from around the World. MYRTLE BEACH, S.C., April 11, 2024 /PRNewswire/ -- The 19th Annual Myrtle Beach International Film Festival (MBIFF) has set this year's Festival dates for April 23rd to 27th, 2024.Location: The Grand 14 Theatre, Market Common. Myrtle Beach, South CarolinaUnique travel Opportunity. Immerse yourself in an Epic Moti...

The 19th Annual Myrtle Beach International Film Festival has become one of the nation's premier film events boasting 39 of the best films from around the World.

MYRTLE BEACH, S.C., April 11, 2024 /PRNewswire/ -- The 19th Annual Myrtle Beach International Film Festival (MBIFF) has set this year's Festival dates for April 23rd to 27th, 2024.Location: The Grand 14 Theatre, Market Common. Myrtle Beach, South Carolina

Unique travel Opportunity. Immerse yourself in an Epic Motion Picture Experience Vacation. Enjoy 39 World Class Films, Food Events, while staying on some of the east coasts most beautiful beaches. THE MBIFF MAKING LIFE CINEMATIC!

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Winner of prestigious international and national awards, such as "Top 25 Film Festivals To Submit To In The World", by Movie Maker Magazine, 2023 1 of 5 Festivals You Must Visit in South Carolina – Livability.com2023 1 of 5 Mentioned – The Best Festivals Are In Myrtle Beach, South Carolina – Leisure Group Travel2023 Top 10 Festivals in Myrtle Beach, South Carolina – Trip101.comand recognition as one of the best film festivals in the world, by Film International.

SPECIAL EVENT - Freedom of Speech Symposium Friday April 26th 7:45 – 10:00pm takes place after "We Will Not Be Silenced" by Brian Rose. https://freedomofspeechsymposium.com/Symposium panel includes Brian Rose of London Real, Robert Kiyosaki author Rich Dad Poor Dad, Dr. Robert Malone, Dr. David E. Martin, Mike Benz, Jerry Dalton.

The 19th annual MBIFF will feature World Premieres as well as United States Premieres. For Passes and Tickets: https://myrtlebeachfilmfestival.com/passes-tickets/

All Access Plus Pass includes access to all films and all events including a seat for the symposium covering Freedom of Speech and Censorship. $129

All Access Pass includes access to all films and all events except for the Freedom of Speech Symposium. $99

Individual Tickets will be available after March 29th. $15 through the website until April 16th. As of April 17th, individual tickets will be available for $17 through the Grand 14 Box office and their website.

For additional information on purchasing tickets and event schedule, visit myrtlebeachfilmfestival.com.email: info@mbiff.com phone 843-497-0220.

For more information/interviews/speaking engagements for talk show/telecasts/radio please contact:Jerry DaltonMyrtle Beach International Film FestivalFounder/Director843-497-0220 376001@email4pr.com

https://myrtlebeachfilmfestival.com/https://www.facebook.com/MyrtleBeachInternationalFilmFestivalhttps://www.instagram.com/myrtle_beach_film_festival/https://twitter.com/MBFilmFest

SOURCE Myrtle Beach International Film Festival

Myrtle Beach halts conversion of short-term rentals to protect tourism revenue

MYRTLE BEACH, S.C. (WPDE) — Myrtle Beach's economy heavily relies on the millions of tourists who come here for vacation every year, and city leaders are making sure they have enough options when it comes to a place to stay.On Tuesday, ouncil members voted to temporarily suspend properties from converting short-term rentals to long-term ones.TOP STORY: ...

MYRTLE BEACH, S.C. (WPDE) — Myrtle Beach's economy heavily relies on the millions of tourists who come here for vacation every year, and city leaders are making sure they have enough options when it comes to a place to stay.

On Tuesday, ouncil members voted to temporarily suspend properties from converting short-term rentals to long-term ones.

TOP STORY: Holiday Inn Club Vacations hosts grand opening of new Myrtle Beach resort

According to the ordinance council adopted this week, there's recently been a surge in renters wanting to convert short-term rentals to long-term ones in Myrtle Beach.

City leaders said tourism is what fuels the local economy, and with peak season approaching here, they're taking steps to ensure the economy remains prosperous.

“Ocean Boulevard, the areas East of Kings Highway are the life of Myrtle Beach- that’s where our economy is for the most part. The moratorium temporarily prohibits the conversion of existing short-term rentals to long-term rentals," City of Myrtle Beach Spokesperson Mark Kruea said.

He said the area by Ocean Boulevard is the city's nucleus and for the most part, is where the local economy thrives.

Council members voted Tuesday to temporarily suspend properties from converting from short-term rentals to long-term rentals.

“Short-term rental is anything under 90 days. So, that’s most of our vacationers that come here for two, three, four, five, a couple of weeks. Long-term rental under city and state law is more than 90 days," Kruea said.

More than two-thirds of available vacation rentals in Myrtle Beach are short-term, according to airdna.com.

SUGGESTED: Myrtle Beach State Park launches new paid parking, reservations program for summer season

There's been a recent increase in renters wanting to convert short-term rentals to long-term, said city leaders, but the absence of short-term rentals could cause the city to lose more than $5 million in tax revenue.

“So, I think the first element is the economy. Converting what is the reason people come to Myrtle Beach: all of the short-term vacation possibilities on Ocean Boulevard to long-term stays, what effect does that have on our economy? And that’s something that we’ll study over the next nine months," Kruea said.

The ordinance said the limited inventory of short-term rentals will adversely impact the amount of money the city collects through hospitality and tourism fees and taxes.

The 270-day moratorium imposed allows officials to study the impacts declining short-term rentals have on the city.

In the ordinance it details how tourists often eat shop, shop, or spend money on entertainment while vacationing here short-term.

Tax revenue collected from short-term rental properties helps to provide public services and amenities.

Leaders said the lack of those services will compromise public health, safety, and welfare.

Myrtle Beach State Park launches new paid parking, reservations program for summer season

MYRTLE BEACH, S.C. (WPDE) — Paid parking programs are expanding across the Grand Strand, and one Myrtle Beach resident is expressing her concerns about the newest area getting ready to implement a paid parking program.Right now, all parking in Myrtle Beach State Park is free and operates on a first come first serve basis. The south lots have nearly 200 parking spaces.In just a few weeks, those spots will no longer be free or open to ...

MYRTLE BEACH, S.C. (WPDE) — Paid parking programs are expanding across the Grand Strand, and one Myrtle Beach resident is expressing her concerns about the newest area getting ready to implement a paid parking program.

Right now, all parking in Myrtle Beach State Park is free and operates on a first come first serve basis. The south lots have nearly 200 parking spaces.

In just a few weeks, those spots will no longer be free or open to just anyone.

Myrtle Beach resident Jennifer Snow is an annual state park pass holder and has been visiting Myrtle Beach State Park for more than a decade.

"I park in the south lots. I park in a specific lot, in a specific spot every time. I probably come in the summer four to five times a week," she said.

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It's her routine, but starting May 16, that routine will be interrupted for Snow and hundreds of other park attendees.

New this year, from May 16 to September 2, Myrtle Beach State Park will require paid parking reservations for the 146 parking spots in the south lots.

Parking reservations are available from 6 a.m. to noon seven days a week. The reservations can be made one month prior to the arrival date, but no less than three days in advance.

When a park attendee purchases a south lot reservation, they will not be assigned a specific spot within the lot but rather a guaranteed space in the south parking region.

Handicap spaces will still be available to park in the south lot, but are not included in the required reservation system. They will remain on a first come first serve basis.

While the south lots make up about 20% of the park's spaces, Snow has multiple concerns.

She said, "So now, what you're gonna have is a bunch of people basically hanging around the pier parking lot until noon in the hopes that maybe there will be spots open; but anybody that comes here knows generally, there's no spots to be had at that time."

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All reservations are made online and the five-dollar price tag per parking reservation is separate from daily admission fees or the $99 annual pass, which gives holders entry into South Carolina state parks.

"We have, like I said, a lot of elderly community here that don't know how to do online reservations; that can't afford to pay $5," said Snow. "Like I said, I come here probably five out of the seven days in the summer, so you're talking $25 a week, that's a $100 a month, $300 a summer just to park? That's a little excessive."

Multiple signs are already out around the park advertising the upcoming summer change.

"Where does it end?" Snow asked. "Do you charge more next year? You know, at a certain point, you can't nickel and dime the locals, and you can't just always put money above everything else."

ABC15 reached out to Myrtle Beach State Park officials multiple times asking for an interview about the new paid parking, but they declined those requests. On Wednesday, ABC15 emailed multiple questions to park officials, but have not yet received a response.

The park's manager said their corporate communications director is putting out a press release on Friday and can answer questions about the new program then.

To read more about the upcoming paid parking program at Myrtle Beach State Park, click here.

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