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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.
Service Areas
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.
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.
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.
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.
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.
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.
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.
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.
Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in Myrtle Beach, SC
60 Miles of Sunshine, Surf and New Experiences in Myrtle Beach, South Carolina, Beckon Spring Travelers
Visit Myrtle Beachhttps://www.prnewswire.com/news-releases/60-miles-of-sunshine-surf-and-new-experiences-in-myrtle-beach-south-carolina-beckon-spring-travelers-301764911.html
S.P.R.I.N.G. at The Beach Serves Up a Warm WelcomeMYRTLE BEACH, S.C., March 7, 2023 /PRNewswire/ -- As we bid farewell to winter and welcome the longer, sun-soaked days ahead, Visit Myrtle Beach is inviting travelers of all interests, ages and abilities to take a trip to "America's Favorite Beach" this spring. With 60 miles of breathtaking Atla...
S.P.R.I.N.G. at The Beach Serves Up a Warm Welcome
MYRTLE BEACH, S.C., March 7, 2023 /PRNewswire/ -- As we bid farewell to winter and welcome the longer, sun-soaked days ahead, Visit Myrtle Beach is inviting travelers of all interests, ages and abilities to take a trip to "America's Favorite Beach" this spring. With 60 miles of breathtaking Atlantic coastline and endless unforgettable experiences, including an array of brand-new offerings, there are always memories to be made at The Beach during this exciting season.
"Spring is such a beautiful season in Myrtle Beach, and we are excited to welcome all travelers to a vibrant destination that offers relaxation, adventure, and an abundance of memory-making," said Karen Riordan, President and CEO of Visit Myrtle Beach. "Whether you are traveling in a large group, as a couple, or solo, this is the perfect place to relax, unwind, and feel like you belong."
At The Beach, S.P.R.I.N.G. stands for:
S: Sunny Skies and Outdoor Activities
P: Perusing Local Art and Performances
R: Ridiculously Fresh Seafood
I: Incredible Family Adventures
N: Nighttime Entertainment
G: Great Accommodations
Visit Myrtle Beach strives to make planning a trip to The Beach as seamless as possible, from easy accessibility for all travelers, to affordable adventures and discounted lodging to suit all needs.
To start planning your spring vacation to The Beach, visit www.visitmyrtlebeach.com.
Images available to download HERE (credit: Visit Myrtle Beach).
About Myrtle Beach, S.C.Myrtle Beach isn't just a beach. It's The Beach. Popularly known as the Grand Strand, Myrtle Beach is one destination made up of 14 unique communities that stretch 60 miles along the northeast coast of South Carolina. Families, couples and those in search of a warm welcome will find more than just a day at The Beach when they come together to connect and enjoy vibrant entertainment and family attractions, including world-class golf, shopping and fresh coastal Carolina cuisine. From the moment you arrive, you'll find you belong at The Beach – Myrtle Beach, South Carolina. For additional information on tourism offerings in the Myrtle Beach area, visit www.visitmyrtlebeach.com or call (888) Myrtle-1.
SOURCE Visit Myrtle Beach
Picture shows ocean in Myrtle Beach covered in pollen
Stephanie Moorehttps://www.wyff4.com/article/myrtle-beach-ocean-covered-in-pollen/43162974
MYRTLE BEACH, S.C. —There is no doubt that pollen is making an early appearance in South Carolina this year, and a picture of the yellow ocean in Myrtle Beach proves it once again.Earlier this week, we showed a picture of an alligator in Moncks Corner covered in pollen and talked about the early allergy season.And then we found this picture that Lakiesha Grainger took on Wed...
MYRTLE BEACH, S.C. —
There is no doubt that pollen is making an early appearance in South Carolina this year, and a picture of the yellow ocean in Myrtle Beach proves it once again.
Earlier this week, we showed a picture of an alligator in Moncks Corner covered in pollen and talked about the early allergy season.
And then we found this picture that Lakiesha Grainger took on Wednesday at the Springmaid Pier.
Ocean on Myrtle Beach covered in pollen
According to pollen.com the pollen forecast for the Myrtle Beach area is high for Thursday and Friday.
It was in the medium to high category when the picture was taken.
Tree pollen actually started showing up in January in our area. It was low, but just the presence of it that early is rare.
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The tree pollen soared to high levels in February, with weed pollen even showing up months early from time to time.
Tree pollen usually shows up in March in our area and peaks in April.
Grass pollen starts peaking in May and June and weed pollen shows up at the end of July and typically peaks in September.
So if you are suffering from allergies, we are sorry to say this is just the beginning of the season.
Got allergies? SC doctors say allergy season came early, and could last longer than normal
Dr. Trip Johnstone, with Allergy Partners of the Upstate, says if this early start is any indicator of what the rest of allergy season will look like, you might need to stock up on tissues and medication now.
He also recommends the following:
"It probably means we're going to have a worse season," Johnson adds. "The Upstate area is pretty bad to begin with. It's not like we have a milder allergy season, so what that probably means is a more prolonged season than a short one."
Myrtle Beach to host ‘first-of-its-kind’ esports competition for college, high school students
WMBF News Staffhttps://www.wmbfnews.com/2023/03/06/myrtle-beach-host-first-of-its-kind-esports-competition-college-high-school-students/
MYRTLE BEACH, S.C. (WMBF) - For the first time, Myrtle Beach will be the host city for an esports competition. The Myrtle Beach Area Chamber of Commerce will collaborate with Shenandoah University and the event will welcome high school and college students.The “first-of-its-kind event” will take place March 10 and 11 at The Hangout, and will feature an eight-team collegiate Rocket League invitational as well as an open Super Smash Bros Ultimate bracket for Grand Strand high school students.“We are excited to b...
MYRTLE BEACH, S.C. (WMBF) - For the first time, Myrtle Beach will be the host city for an esports competition. The Myrtle Beach Area Chamber of Commerce will collaborate with Shenandoah University and the event will welcome high school and college students.
The “first-of-its-kind event” will take place March 10 and 11 at The Hangout, and will feature an eight-team collegiate Rocket League invitational as well as an open Super Smash Bros Ultimate bracket for Grand Strand high school students.
“We are excited to be able to work with the Myrtle Beach Area Convention and Visitors Bureau on this unique esports event,” said Dr. Joey Gawrysiak, director and professor of esports at Shenandoah University. “Esports has seen tremendous growth over the last several years, especially in high schools and colleges around the country. Being able to showcase local high school and national collegiate talent in esports will demonstrate the impact of esports and lay the groundwork for future esports events in Myrtle Beach.”
College esports programs across the east coast will participate in the two-day Rocket League competition which will feature pool play and a double-elimination bracket. For high school students, the Super Smash Bros Ulitmate competition will be a one-day double-elimination event.
Rocket League is an action sports game, where teams of three use vehicles to play soccer and win by scoring the most goals before time runs out. Nintendo’s Super Smash Bros Ultimate is a character-based fighting game with one-on-one competition.
“Having this event produced by Shenandoah University esports, a leader in collegiate esports in the U.S., will ensure a high-quality, in-person event and unparalleled online production,” said Jonathan Paris, executive director for the Myrtle Beach Area CVB. “This event is a prime example of what the future of esports collaborations looks like and how esports can be leveraged for community engagement and enhancing tourism in Myrtle Beach.”
Teams will compete for a $6,000 prize pool.
Super Smash Bros Ultimate competitions will take place on March 11 from 10 a.m. to 6 p.m., and there is no registration fee. Registration is open to all Horry County high schools.
Rocket League competitions will take place in person on March 10 from 4 to 10 p.m. and March 11 from 10 a.m. to 6 p.m.
Events will be streamed live on Twitch.TV/Shenandoahesports.
Copyright 2023 WMBF. All rights reserved.
SC law enforcement, nurses, mental health professionals in line for pay raises in House budget
Joseph Bustoshttps://www.myrtlebeachonline.com/news/politics-government/article272617273.html
A year after the state approved pay raises for South Carolina law enforcement officers, local law enforcement agencies responded by hiking their pay, too, forcing House budget writers to look at pay again this year.Part of the House Ways and Means budget proposal scheduled to be debated next week is increased pay for state law enforcement officers, as well as for nurses and mental health professionals.The Department of Administration recommended increasing starting pay for Class 1 law enforcement officers to at least $50,000 a ...
A year after the state approved pay raises for South Carolina law enforcement officers, local law enforcement agencies responded by hiking their pay, too, forcing House budget writers to look at pay again this year.
Part of the House Ways and Means budget proposal scheduled to be debated next week is increased pay for state law enforcement officers, as well as for nurses and mental health professionals.
The Department of Administration recommended increasing starting pay for Class 1 law enforcement officers to at least $50,000 a year, starting pay for corrections officers at minimum security prisons to $41,000 and Department of Juvenile Justice officers to $40,500.
“This is the lowest salary point that will allow state agencies to effectively compete for officers,” the Department of Administration said in a law enforcement salary report issued in February.
Some agencies will see even higher starting salaries for their Class 1 officers, who have arrest powers.
? South Carolina Law Enforcement Division — $58,000
? South Carolina Department or Revenue — $58,000
? South Carolina Department of Corrections — $58,000
? South Carolina Department of Social Services — $56,000
? Criminal Justice Academy — $55,500
? South Carolina Department of Public Safety — $55,000
? South Carolina Department of Natural Resources — $53,000
? South Carolina Department of Health and Environmental Control — $50,000
? South Carolina Department of Juvenile Justice — $50,000
? South Carolina Department of Probation, Parole and Pardon Services — $50,000
? South Carolina Department of Mental Health — $49,000 (non-certified); $50,000 (certified)
Current law enforcement officers or corrections officers will either be brought to new minimum or receive a percentage raise, whichever is greater. Law enforcement officers are in line for a 2% raise; corrections officers are in line for a 2.5% raise.
Last year, the state increased law enforcement pay, but other law enforcement agencies around the state have responded with increasing salaries too.
“Several major competitors raised or intend to raise their salaries to match or exceed those recommended in February 2022,” the Department of Administration wrote.
If signed into law, the state will pay about $28.3 million more to law enforcement officers and $19.7 million for corrections and DJJ officers.
“I was very happy to hear that law enforcement said they have made good strides trying to hire new people after the raises from last year, and I think we’re going to be even better after this,” said state Rep. Phillip Lowe, R-Florence, who chairs a Ways and Means panel overseeing law enforcement spending.
Pay bumps also have been proposed for state employees who work in positions the state has struggled to fill: nurses and mental health professionals.
The Department of Administration found that South Carolina doesn’t have a lack of nurses to fill state agency positions.
South Carolina’s average pay for nurses, nurse practitioners and nursing assistants also was lower than the nearby states of Kentucky, Georgia, Alabama and Tennessee.
So the Department of Administration recommended spending an additional $34 million, or about 5% more, for nurses who work for the Department of Corrections, Department of Disabilities and Special Needs, Department of Health and Environmental Control, Department of Health and Human Services, the Department of Juvenile Justice, Department of Mental Health and the Vocational Rehabilitation Department.
When it comes to mental health professionals, pay is also a major barrier to filling open state positions, according to the Department of Administration. The state on average is paying less than the private sector and nearby states of Georgia, Kentucky and North Carolina. So the Department of Administration recommended spending $17 million more on their pay, which is roughly a 2.5% increase.
Softball Splits First Two Games in Myrtle Beach
Norwich Universityhttps://norwichathletics.com/news/2023/3/7/softball-splits-first-two-games-in-myrtle-beach.aspx
Myrtle Beach, SC - The Norwich University Women's Softball team split their first two games of the season. The team is in Myrtle Beach for their spring break trip where they will play eight non-conference games this week.Norwich fell in its season opener to DeSales University by the score of 17-2. The DeSales Bulldogs were able to get off to a fast start which propelled them to the win. ...
Myrtle Beach, SC - The Norwich University Women's Softball team split their first two games of the season. The team is in Myrtle Beach for their spring break trip where they will play eight non-conference games this week.
Norwich fell in its season opener to DeSales University by the score of 17-2. The DeSales Bulldogs were able to get off to a fast start which propelled them to the win. Liliana Rolfe (Plainville, Mass.) had a strong opening game, going 2-for-3 from the plate to lead the Norwich offense. Rolfe and Rachel Kempf (Warwick, R.I.) scored the Norwich runs while Maren McGinn (Georgia, Vt.), fresh off an outstanding basketball season, had an RBI.
The second game of the day saw an explosive Norwich offense catapult the Cadets to a 13-12 walk-off victory over Elms College. Although the game started much like the first game of the day, the Cadet bats came alive with a three run third inning which jump started the offense. The Cadets would go on to score in each inning, starting with the third inning, to capture their first victory of the season.
Laura Deaton was the brightest offensive star of the game for Norwich. Deaton was 3-for-4 on the day with 2 runs scored and 4 RBIs including the walk-off game winner in the bottom of the seventh. Rolf and McGinn each added two RBIs while Kempf and Charlotte Charbonneau (West Springfield, Mass.) each had an RBI. In total, the Cadets pounded out 14 hits, 13 runs, and 10 RBIs in the game. In the circle, Kennedy White (Randolph Center, Vt.), McGinn, and Allison Northup (Westerly, R.I.) combined to only give up 7 hits while Northup was credited with the win.
The Cadets are right back into the action with two more games on Tuesday. The first game will be at 9 a.m. against Bay Path University followed by a 1 p.m. game against Blackburn College.
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