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health insurance agent in North Charleston, SC

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 in North Charleston, SC

Early voting starts for North Charleston Special election

NORTH CHARLESTON, S.C. (WCSC) - Early voting is set to begin Monday to fill two seats vacated on the North Charleston City Council because of federal corruption charges.The Districts 3 and 5 seats were vacated by former City Councilmen Sandino Moses and Jerome Heyward after the pair pleaded guilty to corruption charges, following a Department of Justice investigation earlier this year.READ MORE: ...

NORTH CHARLESTON, S.C. (WCSC) - Early voting is set to begin Monday to fill two seats vacated on the North Charleston City Council because of federal corruption charges.

The Districts 3 and 5 seats were vacated by former City Councilmen Sandino Moses and Jerome Heyward after the pair pleaded guilty to corruption charges, following a Department of Justice investigation earlier this year.

READ MORE: ‘Profound betrayal’: 8 charged in North Charleston corruption investigation

Early voting will take place at the Charleston Board of Elections and Voter Registration at 4340 Corporate Road in North Charleston. Voters must have lived in District 3 or District 5 for 30 days, have valid identification and be a registered voter to cast a ballot.

Isaac Cramer, the executive director of the Charleston County Board of Voter Registration and Elections, says a Real ID is not necessary as long as voters have a state-issued ID that is still valid.

“Your U.S. Passport, your military ID, State issued ID,” Cramer said. “So, it doesn’t have to be your driver’s license. The state voter registration card that you get in the mail from us, also works.”

Early voting runs through May 23.

The election is May 27.

All candidates were invited to fill out a questionnaire about why they are running. Click on the names of the candidates below to read their responses.

About the candidates:

District 3

District 5

Copyright 2025 WCSC. All rights reserved.

North Charleston Arts Fest wraps with celebration of local talent

|Updated: May 5, 2025 at 4:12 AM EDTNORTH CHARLESTON, S.C. (WCSC) - The North Charleston week and a half Arts Fest featured performances and exhibitions by painters, storytellers, dancers, educators, musicians, weavers, sculptors and more.The event from April 30 to May 4 spanned a variety of locations and showcased a range of talents. From puppet shows and improv, to live painting and gospel performances the Arts Fest featured the best of what local talent has to offer.Events took place at libraries, community centers, b...

|Updated: May 5, 2025 at 4:12 AM EDT

NORTH CHARLESTON, S.C. (WCSC) - The North Charleston week and a half Arts Fest featured performances and exhibitions by painters, storytellers, dancers, educators, musicians, weavers, sculptors and more.

The event from April 30 to May 4 spanned a variety of locations and showcased a range of talents. From puppet shows and improv, to live painting and gospel performances the Arts Fest featured the best of what local talent has to offer.

Events took place at libraries, community centers, businesses, parks and the coliseum. Artists, performers and vendors were selected through an open application process.

The closing event also wrapped up the visual art competitions & exhibitions, including Judged Fine Art and Photography, SC Palmetto Hands Fine Craft, and Tri-County Youth Art and High School Sculpture.

Performers from Academic Magnet and Charleston County School of the Arts performed musical numbers from the 2000s while patrons browsed art submissions from local schools, as well as art for sale from local artists.

John Cusatis is a teacher at the School of the Arts and says it’s an event students look forward to every year.

“The kids feel like they belong to something because they do, and their talent is incredible, and they may not get to express it, because most of them are performing outside of their School of the Arts major, you know. They may be a theater major, playing bass or creative writers singing,” Cusatis says.

One of those students is Rachel Wheelon.

“I’m a creative writing major, so I don’t ever perform and I’ve been singing for a bit, but I don’t sing in front of people so it’s my first time doing that. But it’s been really great because I get to meet new people and share my love of music with everyone else,” Wheelon says.

Others like Madison Deaton are following a music path, but also going out of their comfort zone to participate in the event.

“I’ve never played with a live band before….but at the School of the Arts, we have majors and I’m a vocal major so I sing a lot and it’s what I want to do in college and this really solidified my want to do a career in music,” Deaton says.

Cameron Barnett also performed at last year’s event and says it’s a good way to meet with other students they don’t always work with, create new bonds, and explore new collaborations. The musicians also took the chance to walk through the rows of local art.

“It was a good experience last year and a lot of great artwork and a good chance to play music with all these incredible musicians.”

Quincey Christian and Mariana Becerra performed songs on stage, and said they also enjoyed the large scale displays of the event, especially the local youth artwork.

“Kind of a lot of the artwork is actually from like, my old schools and stuff. So it’s cool to see, like, people that I know make awesome work,” Christian says.

“” It’s pretty epic to see how many kids across our county can do art like this,” Becerra says.

The North Charleston Arts Fest is an annual event that organizers say they look forward to continuing in years to come, showcasing local talent of all ages in a variety of skills.

North Charleston’s Cultural Arts department consists of nine staff members and a total budget of $1.4 million, according to the 2024-2025 fiscal year budget. That budget allocates $5,000 for statewide advertising of the North Charleston Arts Fest. The department also runs youth programs and a cultural center with events year-round.

Copyright 2025 WCSC. All rights reserved.

North Charleston Walk and Roll event aims to support adults with special needs

NORTH CHARLESTON, S.C. (WCSC) - A Lowcountry nonprofit is using this weekend to highlight the needs of those with autism and other disabilities through an annual event.After neurodiverse children grow up and leave high school, there’s suddenly very little available to them in terms of societal support.Outside of immediate family members, it can be difficult for someone with autism or Down syndrome to find support to learn the life skills they need to thrive on their own.That’s where small nonprofits like Heal...

NORTH CHARLESTON, S.C. (WCSC) - A Lowcountry nonprofit is using this weekend to highlight the needs of those with autism and other disabilities through an annual event.

After neurodiverse children grow up and leave high school, there’s suddenly very little available to them in terms of societal support.

Outside of immediate family members, it can be difficult for someone with autism or Down syndrome to find support to learn the life skills they need to thrive on their own.

That’s where small nonprofits like Healing Farms come into play. Founder Tron Severe says they work tirelessly to put a spotlight on the needs of the special needs community.

“We believe it’s super important for the community to have the opportunity to interact with our participants and begin to see them for their ability,” Severe said.

The community will get that very opportunity Saturday as Healing Farms is set to host its 11th annual “Walk and Roll” event at Wannamaker Park in North Charleston.

“It’s just a great opportunity for the community to come and join us to learn what we are about, support what we are doing by making donations to help us continue the work, to celebrate ability,” Severe said.

From 11 a.m. until 2 p.m., the park will be packed with a variety of food options, music and a fun zone full of games for people of all ages and abilities.

While there is a course, the walk is not a specific 5K or 10K. It’s simply a walk intended to give people a reason to come together. It’s specifically designed to bring out those who might have a mobility challenge, hence the “roll” part of Walk and Roll. Wheelchairs, wagons and strollers are encouraged.

Severe says this is their most important Spring fundraiser as it helps them provide programming and expand their operations.

“We have just recently opened a second [Moncks Corner] location… this year’s Walk and Roll event is super important so that we can fundraise all that we can because we need to take our programming from just part-time… in Moncks Corner to full-time,” Severe said. “So reaching our fundraising goals with the walk and roll and other events that we have throughout the year are going to be super important to help us continue to serve, more and more families in their own backyard.”

Joshua Graham is one of the people with autism that participates in Healing Farms’ summer camps where they meet new people and learn new skills. Graham, who goes by Swoosh, has his own YouTube Channel where he posts content about autism awareness.

“Don’t judge people by looks. Just get to know the people with autism like me and all my friends at camp,” Graham said. “We need the money for the camp to stay open for the autism kids.”

Another participant at Healing Farms is Maya Valdovinos. She’s worked the annual Walk and Roll in the past and says she is excited to see everyone.

“We’re going to be selling salsa and hats. We’ll be selling shirts for 2025,” Valdovinos said. “We need to tell everybody to come. Come see us, Tron and the staff.”

The event is free and people are encouraged to register ahead of time. More information about the event and how to register or donate can be found here.

Copyright 2025 WCSC. All rights reserved.

Funds set aside for controversial North Charleston anti-violence program may now be used for housing

NORTH CHARLESTON — Funds the city set aside to revive its anti-violence grant program that's been swept up in a federal corruption probe could now help finance an affordable housing project instead.The $1.3 million Gun Violence Prevention Grant program, an initiative created by City Council in late 2022, doled out one-time $100,000 payments to 13 nonprofits workin...

NORTH CHARLESTON — Funds the city set aside to revive its anti-violence grant program that's been swept up in a federal corruption probe could now help finance an affordable housing project instead.

The $1.3 million Gun Violence Prevention Grant program, an initiative created by City Council in late 2022, doled out one-time $100,000 payments to 13 nonprofits working to tamp down violence across the city. A Post and Courier investigation later found city officials failed to thoroughly evaluate the nonprofits and track how the public funds were spent.

In February, the Federal Bureau of Investigation charged Councilman Jerome Heyward in a series of schemes, including accepting $40,000 in kickbacks from two nonprofit leaders in exchange for using his position to steer grant funds from the program their way. Heyward, one of eight people charged in the federal probe, resigned from public office before pleading guilty.

Also charged were the nonprofit leaders who allegedly paid Heyward to help secure the grant funds, Donavan Moten of Core4Success and Michelle Stint-Hilton of DEEP SC. They, along with Rose Lorenzo, a financial company owner who allegedly helped to facilitate the payments, were charged with bribery, conspiracy, wire fraud and money laundering.

Despite the controversy, Mayor Reggie Burgess hoped to relaunch the program with a committee dedicated to overseeing the funds. In December 2024, City Council approved $1 million for the program with the guarantee that funds would not be distributed until the FBI concluded its inquiry.

Now, however, city officials said it's "unlikely" the grant money will be allocated to nonprofits this fiscal year, which ends June 30.

Instead, officials are considering giving $600,000 of the funding to the North Charleston Housing Authority's nonprofit arm, called North Charleston Renaissance, to help finance a 120-unit affordable housing project on Eagle Landing Boulevard.

The city's Finance Committee approved the reallocation of the money during an April 17 meeting, though the item still must pass two City Council readings.

The reallocated funding would help bolster the North Charleston Housing Authority's 9 percent Low-Income Housing Tax Credit application for the first phase of the project. The competitive federal incentive program, administered by SC Housing, does not award more than one new construction application per county, according to the program's application.

The city's funds will only be transferred upon the Housing Authority receiving the award, which is expected to be announced in November.

The Housing Authority purchased the 6.5-acre lot in October 2023 for $3.85 million. A deserted movie theater once sat on the property located within walking distance to Northwoods Mall. The vacant lot is near the planned Lowcountry Rapid Transit bus line on Rivers Avenue, which is primed for future housing growth.

If awarded, the tax credit, combined with the city's grant, will support the financial closing of the project's first phase at the start of 2026, according to a letter from the Housing Authority. This phase includes 60 units designed for residents earning between 20 percent and 80 percent of the area's median income. For a single-person household, a $54,450 annual salary is 80 percent AMI in Charleston County.

Councilwoman Rhonda Jerome said during a committee meeting that the grant is a gift to the Housing Authority and the city will not be involved in the project's development.

Any leftover funds that were set aside for the anti-violence grant program that aren't allocated before the close of the fiscal year will return to the city's fund balance. If officials decide to pursue the grant program in the next fiscal year, the amount must be re-appropriated in that budget, according to city documents.

Burgess previously told The Post and Courier he wants to continue the program to reward the nonprofits that are making a positive impact on the community.

North Charleston special election to cost taxpayers thousands

NORTH CHARLESTON, S.C. (WCSC) - The North Charleston city councilmen who pleaded guilty to corruption charges are still costing the taxpayers money even after giving up their positions.A special election to replace Jerome Heyward and Sandino Moses is just about to get underway with early voting starting on May 12.Heyward and Moses vacated their seats after they pleaded guilty to charges that stemmed from a federal corruption investigation.A third city council member, Mike Brown, has been suspended in connection with that...

NORTH CHARLESTON, S.C. (WCSC) - The North Charleston city councilmen who pleaded guilty to corruption charges are still costing the taxpayers money even after giving up their positions.

A special election to replace Jerome Heyward and Sandino Moses is just about to get underway with early voting starting on May 12.

Heyward and Moses vacated their seats after they pleaded guilty to charges that stemmed from a federal corruption investigation.

A third city council member, Mike Brown, has been suspended in connection with that same FBI corruption investigation. Brown has pleaded not guilty and will remain suspended pending the outcome of his case.

READ MORE: ‘Profound betrayal’: 8 charged in North Charleston corruption investigation

There are 15 candidates vying for the two seats in the special election, which will take place on May 27. There are seven candidates running for the Moses’ District 3 seat and eight candidates running for Heyward’s District 5 seat.

But elections don’t just happen. They require organization, facilities and manpower. All of that costs money. The Charleston County Board of Voter Registration and Elections is hosting the election, but the city of North Charleston is paying for it.

“We do have two seats up and there are eight polling locations. Most of our costs are personnel related, hiring a poll worker, training them and so forth,” Charleston County Board of Voter Registration and Elections Executive Director Isaac Cramer said.

Cramer says the special election is expected to cost between $20,000 and $30,000.

In most cases, state law requires special elections if a vacancy is made with more than 180 days before the next election. Cramer says special elections are common and they’re doing about one per month.

There is a bill in the state legislature that would streamline special elections. Senate Bill S.38 would change the election calendar to limit the number of special elections that could be held.

“It basically establishes four election dates a year,” Cramer said. “So, instead of having an election any Tuesday in the calendar year in South Carolina, you would have four dates that we have to go by and that will help make things more simple, help us attract and retain poll workers and also to get polling locations.”

Those dates would be in January, April, June and August. The state Senate passed the bill but it awaits action in the House.

Copyright 2025 WCSC. All rights reserved.

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