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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 North Charleston 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 North Charleston 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 North Charleston, SC

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.

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 North Charleston 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 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.

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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 Team 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 North Charleston, SC

Health Insurance Solutions Team 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 Team, we will provide you with a trusted health insurance agent in North Charleston 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 North Charleston you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

 Health Insurance Companies North Charleston, SC
 Health Insurance North Charleston, 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 North Charleston, SC
 Private Health Insurance North Charleston, 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 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:

  • 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 North Charleston, 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 North Charleston, SC

Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.

Latest News in North Charleston, SC

Coast Guardsman helps boater who crashed into seawall in North Charleston

NORTH CHARLESTON, S.C. (WCSC) - A Coast Guardsmen jumped into action to help an injured boater after a vessel crashed into a seawall near the Federal Law Enforcement Training Center on the Cooper River in North Charleston.The crash happened at around 9:30 p.m. on Friday.“I was outside playing a game of corn hole with some of my fellow classmates when we heard a boat coming by and a loud crash,” Petty Officer 2nd Class Clifford Marshall said.Marshall is currently a student at the training center and is based o...

NORTH CHARLESTON, S.C. (WCSC) - A Coast Guardsmen jumped into action to help an injured boater after a vessel crashed into a seawall near the Federal Law Enforcement Training Center on the Cooper River in North Charleston.

The crash happened at around 9:30 p.m. on Friday.

“I was outside playing a game of corn hole with some of my fellow classmates when we heard a boat coming by and a loud crash,” Petty Officer 2nd Class Clifford Marshall said.

Marshall is currently a student at the training center and is based out of St. Louis.

He said once he heard the crash, he saw the boat up against the seawall and ran inside to tell his superiors to call base security and to call 9-1-1 for help.

He then ran toward the seawall and shimmied for several minutes on the rusted seawall, cutting his hands in the process, to reach the spot where the boat was, being the first person on the scene.

“My hands were about eye high on me,” Marshall said. “My feet were on a knife-edge, and I just had to walk sideways on it for about 100 yards to get out there.”

Once he got there, he said he made sure the boater was the only one on board and assessed the person’s injuries before help arrived.

“After doing some of that, I signaled to the fire boat that was coming in the area where I was at, announced myself as U.S. Coast Guard, told them I was there to help,” Marshall said. “Then, I began assisting them putting the individual onto the backboard and moving them from that vessel onto their vessel after we had to move some of the damage from the boat there.”

Coast Guard Lt. Nathan Ryan, an instructor at the training center, said Marshall’s actions are part of what the military branch stands for.

“The Coast Guard’s motto is Semper Paratus, always ready, and I believe that Petty Officer Marshall’s actions were indicative of that motto,” Ryan said. “We’re always ready. We rely on our training and our instincts that we’ve gathered from that.”

Marshall has since gotten tetanus shots for his cuts, but that doesn’t matter to him -- only that a person in trouble needed help.

“I don’t think anyone else wouldn’t have done that as well if they had that opportunity. Just did my best,” Marshall said.

The petty officer said he was in the right place at the right time and just a Coast Guardsmen doing his duty.

Authorities said the boater suffered significant injuries and was transported to MUSC.

The South Carolina Department of Natural Resources is continuing to investigate the crash.

Copyright 2022 WCSC. All rights reserved.

North Charleston bowling center to close after 45 years

Vicki Gannon has been bowling at Sandpiper Lanes in North Charleston for more than 40 years.By the end of the month, she will have to find a new place to enjoy the pastime with friends.The 2.5-acre corner property at the heavily traveled Ashley Phosphate and Cross County roads intersection where the bowling alley has hosted countless tournaments for the past 45 years has been sold. Employees have been told the lanes will close by the end of May.The buyer of the property is Encore-Ashley Phosphate LLC of Sullivan’s ...

Vicki Gannon has been bowling at Sandpiper Lanes in North Charleston for more than 40 years.

By the end of the month, she will have to find a new place to enjoy the pastime with friends.

The 2.5-acre corner property at the heavily traveled Ashley Phosphate and Cross County roads intersection where the bowling alley has hosted countless tournaments for the past 45 years has been sold. Employees have been told the lanes will close by the end of May.

The buyer of the property is Encore-Ashley Phosphate LLC of Sullivan’s Island, an affiliate of Encore Real Estate Development of Tampa, Fla. The firm paid $3.1 million for the 32-lane bowling center in late March, according to Charleston County land records.

The previous owner was the family-operated CGC Recreation Inc. of Greenwood, which paid $1.25 million for the property in 2003.

An Encore representative did not immediately respond for comment about the purchase.

A site work permit application for a convenience store and gas station has been submitted to the city of North Charleston, city spokesman Ryan Johnson said.

Bowling center manager David Morga found it hard to digest when he first heard about the sale and looming closing of the longtime business.

“I was shocked,” Morga said. “They remodeled in 2017, and last year was one of the best years we ever had. This is definitely going to hurt the bowling world. Tournaments bring people from all over the state as well as North Carolina and Georgia.”

Gannon said she was saddened by the closing of the bowling alley, where senior leagues have played for many years.

“We have become like family,” she said.

Longtime bowler Michelle Eleazer Smith said she, too, was stunned to learn of the decision in April.

“The closure is so sad,” said Smith, who has been bowling since 1978 at Sandpiper Lanes. “There are not a ton of options if you play in a league or are a sanctioned player looking to play in a tournament.”

Smith said the bowling alley’s demise will leave three other venues in the Lowcountry for sanctioned players: Royal Lanes in Goose Creek, Ashley Lanes in West Ashley and Swamp Fox Lanes in Moncks Corner. Other public and private bowling sites are in the Charleston area, as well.

In a farewell nod to the longtime entertainment site, Morga said Sandpiper Lanes will throw a going- away party from 8 p.m. until midnight May 14.

North Charleston POPS 2022-2023 Season Tickets On Sale Today

Learn more about the full upcoming lineup here!Season tickets for the 2022-2023 North Charleston POPS! season are on sale NOW. Concerts for the North Charleston POPS! 2022-2023 season previously announced in April. The season features something for everyone. The shows are: LaKisha Jones: QUEENS OF ROCK & SOUL on Saturday, September 24; STAR SPANGLED EVENING on Saturday, November 12; DANCE PARTY on Saturday, January 28; MAESTRO NICK'...

Learn more about the full upcoming lineup here!

Season tickets for the 2022-2023 North Charleston POPS! season are on sale NOW. Concerts for the North Charleston POPS! 2022-2023 season previously announced in April. The season features something for everyone. The shows are: LaKisha Jones: QUEENS OF ROCK & SOUL on Saturday, September 24; STAR SPANGLED EVENING on Saturday, November 12; DANCE PARTY on Saturday, January 28; MAESTRO NICK'S PICKS on Saturday, March 25; and SUPER HEROES on Saturday, April 29. All performances are at the North Charleston Performing Arts Center. Show time for all concerts is 7:30 PM. The season is sponsored by The Boeing Company.

New season tickets are on sale NOW. To purchase season tickets go to www.NorthCharlestonColiseumPAC.com or www.NorthCharlestonPOPS.com. To purchase by phone, call 843-202- ARTS (2787). Single show tickets will go on sale at a later date.

"Wow do we have some super fun music for you next season!" said Nick Palmer, North Charleston POPS! Conductor and Music Director. "Audience members will certainly remember the amazing singing of LaKisha Jones, opening our season with a superb program featuring songs from Diana Ross, Donna Summer, Tina Turner and Aretha Franklin. POPS! favorite Rich Ridenour will be returning in November, this time to the podium, for a patriotic program loaded with his signature wit and the added talents of the School of the Arts Chorus. We open 2023 with Dance Party: just about every kind of dance you can imagine performed by your hometown orchestra, followed by Maestro Nick's Picks. I can't wait for this one... our greatest hits from the last 10 years of the Pops plus my personal favorites. The season will conclude with an exciting program of music from Super Heroes including Iron Man, Jurassic Park, Black Panther, Pirates of the Caribbean, Harry Potter and The Avengers. Let us reserve your seats!"

Season ticket packages start at only $90. In addition to having the same seats for all performances, North Charleston POPS! season ticket holders enjoy many other benefits such as free parking, priority access to tickets for select Coliseum & Performing Arts Center events before they go on public sale and special discounts & offers not available to the general public.

The North Charleston POPS! made their concert debut on June 26, 2012 at the North Charleston Coliseum to back up legendary musical group Earth, Wind and Fire when they made a stop in the Lowcountry as part of their "Guiding Lights" tour and to celebrate the 40th anniversary of the City of North Charleston. Members of the North Charleston POPS! have performed with such national touring Broadway shows as WICKED, MARY POPPINS, CHICAGO, PHANTOM OF THE OPERA, THE BOOK OF MORMON and BEAUTIFUL THE Carole King MUSICAL during their engagements at the North Charleston Performing Arts Center.

N. Charleston nonprofit taking clean water to Ukrainian refugees

NORTH CHARLESTON, SC (WCIV) — A nonprofit based in North Charleston is doing its part to help the people of Ukraine.Members of the Water Mission team are working to get clean water to millions of refugees, many of whom are still stuck in the warzone.Project Manager Craig Williams and Disaster Team Response Leader Jo...

NORTH CHARLESTON, SC (WCIV) — A nonprofit based in North Charleston is doing its part to help the people of Ukraine.

Members of the Water Mission team are working to get clean water to millions of refugees, many of whom are still stuck in the warzone.

Project Manager Craig Williams and Disaster Team Response Leader Josh Burns have been in Poland and Romania since the end of February working to bring water to Ukrainian refugees.

“You see children without hope in their eyes, with fear in their eyes. Parents with fear in the eyes,” Williams says.

“We’ve talked to refuges who’ve lost their homes, we’ve talked to refuges who had to leave behind their families,” Burns says.

Water Mission has worked for more than 20 years to bring clean water to areas hit by natural or man-made disasters. George Greene IV, the president and CEO of Water Mission, says the war in Ukraine presents a new challenge.

"We don’t send staff into conflict zones,” Greene explains. “There are stories of other non-profits and charities that are in Ukraine and operating, and all of the sudden their areas where they’re trying to provide things like food and things like that have become targets.”

“We can’t go in to where people are most in need. Normally we arrive, the disaster is finished, and our work is to put the pieces back together, or help the local people put the pieces back together,” says Williams. “Here we can’t get in.”

Greene says the company has sent at least over nine water filtration systems that have been set up in Poland, Romania and Ukraine.

"Once its running, we’re producing the equivalent of about 10 gallons a minute of treated water,” he says.

That equates to around 10,000 gallons of treated water in a day.

“As a result of this conflict, water municipalities, supply systems, things like that are things that have been targeted,” Greene says. “There are dissolve contaminants in some of the water sources that we’re seeing that are things you see as a result of agriculture and industry. Then you look at concerns around what’s happening with sites like Chernobyl and potential radioactive issues.”

The team says the work won’t stop until the conflict is over and people can return home.

“Despite suffering, that there is hope, and there is going to be healing, and reconciliation,” Burns says.

Greene says the team will continue to work in Ukraine even after the war is over to help reestablish water connections as the country rebuilds.

Darius Rucker curating, headlining new music festival at North Charleston Riverfront Park

NORTH CHARLESTON — Riverfront Park has become a popular event destination, from High Water to Charleston Wine + Food to the upcoming High Tide Festival.Joining the list is a new endeavor by Hootie & The Blowfish’s lead man and a country star in his own right, Darius Rucker.Rucker, who lives in the Lowcountry and is a three-time Grammy winner, has curated a new two-day music festival called Riverfront Revival at the North Charleston ...

NORTH CHARLESTON — Riverfront Park has become a popular event destination, from High Water to Charleston Wine + Food to the upcoming High Tide Festival.

Joining the list is a new endeavor by Hootie & The Blowfish’s lead man and a country star in his own right, Darius Rucker.

Rucker, who lives in the Lowcountry and is a three-time Grammy winner, has curated a new two-day music festival called Riverfront Revival at the North Charleston park. It will take place Oct. 8-9 and include 18 acts performing on two stages.

The festival is described as a “love letter to country music and to South Carolina’s Lowcountry.”

“Anyone who knows me knows how much I love Charleston,” shared Rucker in a statement. “For years now, I’ve had this bucket list dream of bringing together a bunch of friends to perform in a way that also showcases this incredible city and all it has to offer. I can’t wait to see it become a reality this fall — and I hope the fans are as excited as we are.”

The inaugural roster of the family-friendly festival features some local performers, along with touring acts who have played the Charleston area frequently and a few fresh faces. The genres represented by these artists include country, folk, funk, singer-songwriter, pop and rock.

The lineup includes:

Indie band Susto, rock group Blue Dogs, Citadel graduate and former “The Voice” contestant Mitchell Lee, and country singer Lauren Hall are among locals playing the festival.

And, of course, Rucker.

“Darius is a home-grown star with a genuine love for his state, making him an incredible ambassador for South Carolina,” Duane Parrish, director of the South Carolina Department of Parks, Recreation & Tourism, said in a statement. “We are all looking forward to celebrating South Carolina’s Lowcountry and welcoming thousands of visitors to this one-of-kind music festival in October.”

The two-day festival will be loaded with live music, yet-to-be-announced cultural experiences engaging culture and food inspired by the region’s unique foodways, according to organizers at SRE Entertainment.

The company features High Water Festival veteran and Ear For Music founder Rob Lamble, along with partners Ean Wolf and Taylor Shomaker.

The daily schedules for the Riverfront Revival have not yet been released, but music will be performed from 1-11 p.m. daily.

General admission tickets start at an early bird price of $124.50, plus fees, before rising to $149.50 and then $174.50. VIP tickets, which include a special merchandise package, dedicated entrance lane, priority and up-close concert viewing, an exclusive lounge area, dedicated bar and premium restrooms, are $399.50, plus fees.

They will go on sale to the general public at 10 a.m. May 4 at riverfrontrevival.com.

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