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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 North Charleston, SC 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 North Charleston, SC 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, 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, SC 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 North Charleston, 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 North Charleston, SC 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, SC 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 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, SC 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.

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

Latest News Near Me North Charleston, SC

Second Harbor Logistics North Charleston Facility Earns Operation Clean Sweep Logistics Verification for Preventing Resin Loss in Operations and Protecting the Environment

CHARLESTON, S.C.–(BUSINESS WIRE)–Harbor Logistics, a leading provider of integrated logistics solutions, has earned Operation Clean Sweep® (OCS) Logistics verification, based on successfully executing a series of actions designed to eliminate potential plastic pellet loss during transport, packaging and storage for its facility at 4033 W. Montague Avenue, North Charleston, SC. OCS, which was founded by Plastics Industry Association in 1991 and is managed in partnership with the American Chemistry Council’s Plastics Divi...

CHARLESTON, S.C.–(BUSINESS WIRE)–Harbor Logistics, a leading provider of integrated logistics solutions, has earned Operation Clean Sweep® (OCS) Logistics verification, based on successfully executing a series of actions designed to eliminate potential plastic pellet loss during transport, packaging and storage for its facility at 4033 W. Montague Avenue, North Charleston, SC. OCS, which was founded by Plastics Industry Association in 1991 and is managed in partnership with the American Chemistry Council’s Plastics Division, is a program that supports companies in their goals toward achieving zero plastic resin loss in operations.

Harbor Logistics’ North Charleston operation is 120,000 sq. ft., employs 60 team members and stores a wide variety of commodities, from yarn and medical supplies to canned fruit and fencing.

This marks the second Harbor Logistics distribution center to earn OCS verification, after the Moncks Corner, SC, facility received the designation in July. Both locations feature a comprehensive range of logistics services designed to optimize supply chains and reduce client costs.

“The entire organization at Harbor’s 4033 facility is proud to earn this certification. We want to be known as an environment-friendly operation and the OCS process is a critical step in our efforts to eliminate plastic pellet loss risk,” said Drew McCall, Vice President of Warehousing for Harbor Logistics.

Harbor Logistics earned OCS verification at its two facilities by completing the following activities:

About Harbor Logistics Based in Charleston, S.C., Harbor Logistics provides transportation, truck/rail transload and warehousing services to a wide range of industrial and commercial counterparties. As the largest drayage provider and one of the largest warehouse providers in Charleston, Harbor offers supply chain capacity via an asset-based model that provides a tailored customer experience. Growth-focused, the Harbor team is dedicated to exceeding expectations, working with like-minded partners, and exemplifying ethical decision making.

Contacts

Ron Margulis

RAM Communications

ron@rampr.com+1.908.337.0020

North Charleston interchange project expected to alleviate traffic will open to the public

NORTH CHARLESTON — The wait for the interchange on Interstate 26 between Ashley Phosphate Road and U.S. Highway 78 is over.Charleston County has completed construction for the Palmetto Commerce Interchange, which is intended to enhance commutes by reducing travel times and increasing mobility, says county project manager Mackenzie Kelley.It will open to the public Nov. 17 after a ribbon cutting ceremony at 1 p.m.Located between U.S. Highway 78 and Ashley Phosphate Road, the diamond interchange will connect Weber Bo...

NORTH CHARLESTON — The wait for the interchange on Interstate 26 between Ashley Phosphate Road and U.S. Highway 78 is over.

Charleston County has completed construction for the Palmetto Commerce Interchange, which is intended to enhance commutes by reducing travel times and increasing mobility, says county project manager Mackenzie Kelley.

It will open to the public Nov. 17 after a ribbon cutting ceremony at 1 p.m.

Located between U.S. Highway 78 and Ashley Phosphate Road, the diamond interchange will connect Weber Boulevard in the Ingleside tract with Interstate 26. The design doesn't extend Weber Boulevard into North Charleston's neighborhoods on the eastern side of the interstate, but on- and off-ramps from the westbound lane will guide traffic to and from the Ingleside development via Weber Boulevard.

The interchange will connect I-26 directly to Palmetto Commerce Parkway and plans also include a 10-foot bike and pedestrian path along Weber Boulevard from Ingleside Boulevard to Salamander Drive, crossing I-26.

The project was completed ahead of schedule, as county officials initially expected to finish the interchange in early 2026.

Construction started in August 2023, and the total project cost is nearly $90 million. It was funded by the 2016 transportation sales tax.

While the project has been generally met with support — North Charleston residents said they looked forward to the new and accessible bike path — residents have raised concerns about traffic noise the interchange will bring.

A sound barrier is outside the county’s scope of work, but the county conducted noise studies that specifically analyzed the Northwood Estates area using models that predicted noise through 2040.

The study determined that a sound barrier does not meet the state Department of Transportation’s Traffic Noise Abatement Policy criteria, so DOT would not approve the construction of one.

Residents of Northwood Estates previously told The Post and Courier that they have asked for a sound barrier for years. North Charleston City Councilwoman Stephanie Ganaway-Pasley, who represents the district Northwood Estates is in, has met with local representatives and state leaders to continue the push for a sound barrier.

She previously told The Post and Courier she thinks the best option would be to construct a 25-foot-tall concrete wall, compared to a wood or metal barrier. Ganaway-Pasley estimates the barrier to cost around $17 million and would have to be a collaborative effort among the city, county and state.

New Cristo Rey Charleston High School gets city approval for renovation

NORTH CHARLESTON, S.C. (WCSC) - The City of North Charleston has approved the next steps for a new high school that will renovate the former Chicora Elementary School building.Metanoia, a local nonprofit, has worked on plans for the Cristo Rey Charleston High School for years despite setbacks, including a fire in 2020 that destroyed the historic auditorium.“We’re about to start construction back in 2020. The building had a big fire. We had to go through a long insurance claim and now we’re back at the place of...

NORTH CHARLESTON, S.C. (WCSC) - The City of North Charleston has approved the next steps for a new high school that will renovate the former Chicora Elementary School building.

Metanoia, a local nonprofit, has worked on plans for the Cristo Rey Charleston High School for years despite setbacks, including a fire in 2020 that destroyed the historic auditorium.

“We’re about to start construction back in 2020. The building had a big fire. We had to go through a long insurance claim and now we’re back at the place of finally being able to close on construction and get started with this major project for the neighborhood here,” CEO of Metanoia Bill Stanfield said.

Cristo Rey will serve lower-income students who attend classes four days a week and participate in internships at local businesses one day a week.

“By the time they graduate high school, they’ve already got four years of professional experience of working through these internships,” Stanfield said.

The building has been empty since 2012. Plans call for preserving historical elements during renovation.

“This building just has such a rich history in North Charleston. It served, the first wing of it was built in the 1930s. So many people and families came through this building. So many young people went to school here,” Stanfield said.

The North Charleston City Council provided a statement on the redevelopment project.

“This City is excited to see this project finally come to life after many hurdles including a devastating fire that destroyed the historic auditorium. The auditorium will be rebuilt as part of the creation a new campus for Christo Rey, an innovative college and career-preparatory school that exclusively serves students from families with limited economic resources.”

Stanfield said the school aligns with Metanoia’s mission.

“We deploy a strategy of listening constantly, walking with families to discover their strengths and release their brilliance all the while kind of rejecting the barriers that they may face every day,” Stanfield said.

Construction is set to begin in December, with the school scheduled to open in August 2027.

For more information about the school, you can visit here.

'Safety Town' coming to North Charleston, teach kids life-saving lessons through play

Children interacting with community partners at 2024 "Safety Town" (provided)NORTH CHARLESTON, S.C. (WCIV) — This weekend, MUSC Children’s Health is teaming up with local first responders to keep kids safe and have some fun while doing it.The event, called “Safety Town,” is free for the community and part of a national effort to raise awareness about childhood injuries, one of the leading causes of death among children across the country. It also comes ahead of National Injury Prevention Day, r...

Children interacting with community partners at 2024 "Safety Town" (provided)

NORTH CHARLESTON, S.C. (WCIV) — This weekend, MUSC Children’s Health is teaming up with local first responders to keep kids safe and have some fun while doing it.

The event, called “Safety Town,” is free for the community and part of a national effort to raise awareness about childhood injuries, one of the leading causes of death among children across the country. It also comes ahead of National Injury Prevention Day, recognized nationwide on Tuesday, Nov. 18.

On Saturday, Nov. 15, children in Charleston will get the chance to hop on a tricycle and ride through a miniature city, complete with a fire station, police department, school, and hospital. Along the way, they’ll learn about safety and meet the community partners who help keep families safe every day.

“It just helps us kind of shine a light on the injury prevention work that we do,” said Mary Beth Vassy, MUSC Health Pediatric Trauma Injury Prevention coordinator. “But also how important it is to make sure that we are talking with families and trying to work with them to prevent injuries in our communities for our children.”

Vassy says the event highlights a serious issue seen often inside MUSC’s trauma center.

“We see preventable injuries come into our trauma center all the time,” she said. “Oftentimes they do have to do with bicycle accidents, car wrecks, things like that. So this day is really important for us, especially because we are a member site of the organization that founded National Injury Prevention Day, which is the Injury Free Coalition for Kids. So we really like to highlight this day as a member organization, but also because we know that this is affecting our community.”

The event – hosted by MUSC Children’s Health, the Injury Free Coalition for Kids, and Safe Kids Charleston Area – will also include local first responders and community partners who’ll talk with families about their roles in keeping kids safe.

“We have community partners who kind of represent each of the places in Safety Town, so they can talk to the kids more in depth about what their roles are and kind of what that looks like in their specific area,” Vassy explained.

READ MORE | "Charleston officials prioritize pedestrian safety with traffic area DUI checkpoints plan."

From bike safety to everyday decision-making, the goal is to give kids practical tools for staying safe.

“We’re hoping that kids and families just kind of get a better understanding of how to keep themselves safe in different ways around the community,” Vassy said. “We’re also hoping that we can provide bike helmets to some kids who need them, because we know that oftentimes we have kids who are injured on bicycles that come into our hospital that didn’t have helmets on.”

The event will also feature free bike helmets, face painting, local mascots, and plenty of hands-on learning.

“We do have the free bike helmets, we have free face painting,” Vassy added. “We also have some appearances by some local mascots, which will be exciting — along with just some other great community resources that are available.”

“Safety Town” takes place Saturday, Nov. 15, at the North Charleston Athletic Complex at 1455 Monitor St., North Charleston, SC 29405, from 11:00 a.m. to 2:00 p.m. It’s free and open to everyone, though registration in advance is encouraged.

Anyone interested in attending should email vassy@musc.edu.

The North Charleston Community Resource Center and Charleston Labor Council are leading efforts to provide care packages filled with chicken, fresh fruits, vegetables, bread and nonperishables for federal workers who continue working without pay.

NORTH CHARLESTON, S.C. (WCSC) - Many federal workers are missing their second paycheck as the government shutdown comes to an end, prompting community organizations across the Lowcountry to organize food drives for affected families.The North Charleston Community Resource Center and Charleston Labor Council are leading efforts to provide care packages filled with chicken, fresh fruits, vegetables, bread and nonperishables for federal workers who continue working without pay.“We’re getting phone calls and phone calls...

NORTH CHARLESTON, S.C. (WCSC) - Many federal workers are missing their second paycheck as the government shutdown comes to an end, prompting community organizations across the Lowcountry to organize food drives for affected families.

The North Charleston Community Resource Center and Charleston Labor Council are leading efforts to provide care packages filled with chicken, fresh fruits, vegetables, bread and nonperishables for federal workers who continue working without pay.

“We’re getting phone calls and phone calls and emails after emails. A federal worker saying, ‘I don’t have. I don’t know where to turn to,’” April Lott, the Charleston Labor Council president, said.

Organizations are gathering food donations by the truckload as federal workers struggle to keep up with grocery bills while they have been maintaining their duties at locations like the airport.

Food banks are already stretched thin because of the lapse in benefits from the Supplemental Nutrition Assistance Program. Banks across the Lowcountry are looking to ease as much food and financial uncertainty as much as they can.

Organizations wanted to create something specifically for federal workers, Lott said.

“A lot of food banks are stretched thin with the loss of SNAP benefits as well. But we wanted to do something just for our federal workers to let them know that their community supports them as they support us,” Lott said.

The Charleston Labor Council has held previous food drives with lines wrapped around the building to help those impacted by the loss of SNAP benefits. Based on calls and emails alone, Lott expects between 500 and 600 federal workers to seek assistance.

Residents can donate food at the Community Resource Center until the end of the day Thursday. Volunteers can help distribute food starting Friday at noon.

Federal workers seeking assistance should bring their personal verification card and be ready to line up by 4 p.m. Friday when doors open for distribution. The Community Resource Center hopes they can help every worker who lines up, but will keep their doors open until every box is gone.

“It’s been mentally crushing for a lot of people, but we remember what we do and we remember that we’re here to help the public and that’s why you have federal workers that show up every day to do the work,” Lott said. “Yes, sadly come paycheck there’s nothing there, but this is the community’s opportunity.”

Government workers are not all immediately set to receive pay or backpay; as federal operations slowly return to normal, officials say payments will be rolled out. The timeline depends on the agency.

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