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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.

Do You Really Need Health Insurance?

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.

diagnoses

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.

plane departure

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 Solutions Team for Individual and Family Health Insurance

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.

MAJOR MEDICAL
DENTAL

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.

VISION
LONG-TERM CARE

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.

Expert Help Is Only a Phone Call Away

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

Latest News in North Charleston

SPOTLIGHT: Communities in Schools of South Carolina

Our mission is to surround students with a community of support empowering them to stay in school and achieve in life.Name of organization: Communities in Schools of South CarolinaYear established locally: 1987Top local executive: Jamie Cooper, President & CEOContact information: 1691 Turnbull Ave., Suite 200 North Charleston, SC 29405 Phone: 877-920-3633...

Our mission is to surround students with a community of support empowering them to stay in school and achieve in life.

Name of organization: Communities in Schools of South Carolina

Year established locally: 1987

Top local executive: Jamie Cooper, President & CEO

Contact information:
1691 Turnbull Ave., Suite 200
North Charleston, SC 29405
Phone: 877-920-3633
Website: ciscofsc.org.org

Corporate giving contacts:
Latasha Taste, Regional Director of Development - Midlands
1691 Turnbull Ave., Suite 200
North Charleston, SC 29405
Phone: 803-254-9727
E-mail: Latasha Taste

Average number of volunteers in 2020: 250

Total operating budget (2019-2020):
$3.9 million

Percent of revenue dedicated to program services: 80%

Geographic area or specific population served: Statewide.

Greatest need
Students are struggling to adapt to a variety of changes in their day-to-day and academic lives as the pandemic continues. The increased need of our particular program, Communities In Schools, is focused on three main areas of support:
1. Additional funding to expand into high-need communities
2. Mentors and tutors to support our case-managed students
3. Individuals and businesses to partner with us for school supply, clothing closest and holiday drives.

In January 2021, Communities In Schools in South Carolina merged three pre-existing CIS affiliates, Greenville, Midlands and Charleston, to form Communities In Schools of South Carolina. This merger was designed in an effort to strengthen, deepen and grow our student impact across the state. Within our first year of merger, we have served an additional three school sites in the state and added four new staff members, allowing us to increase our impact to more than 18,000 South Carolina students. In the Midlands, the merger afforded us the opportunity to expand into Fairfield County by serving Fairfield Middle School's 400 students in 6th and 7th grades.

2022 Goals:

Following the lead of our 2021 merger, CISSC is excited to fulfill our strategy of strengthening, deepening and growing our program throughout the state of South Carolina. Our intentions are to expand to additional rural markets, launch our alumni engagement program providing additional college and career supports to CIS program alumni after highschool graduation, and continue to build our network of partners to ensure our program's success. Additionally, our student outcomes are measured annually by grade level advancement, graduation, and CIS’s ABC’s (Attendance, Behavior and Course work). By the end of the school year, we expect to achieve the following:

By June 2022, 85% of case-managed students will have maintained or improved adequate school behavior as measured by the number of out-of-school suspensions.

By June 2022, 75% of case-managed students will demonstrate positive gains in social emotional competencies from pre- to post-testing on DESSA or SEAD social emotional assessments.

Fundraising events:

Illuminating the Power of One
Join us from 5-6 p.m., Sunday, Nov. 14, at the Statehouse. Together, we’ll shine the light of over 4,000 luminaries on the Statehouse steps to honor students we work with in the Midlands, and raise funds to strengthen, deepen and grow our programming. If you would like to be a regional partner, purchase luminaries on behalf of your organization or learn more, visit cisofsc.org or contact Latasha Taste at ltaste@cisofsc.org.

2022 Corporate Giving Opportunities:

Individuals, corporations, foundations and civic groups and churches are encouraged to participate in the following programs: 1. Corporate Program Partnerships ranging from $1,000 to $100,000; 2. Regional event sponsorships for Illuminating the Power of One luminary event (ranging from $500 to $1,000); 3. Midlands Gives May 2022 Individual contributions, one-time, monthly, or stock donations. To make a tax-deductible gift, please contact Latasha Taste, Regional Director of Development at ltaste@cisofsc.org.

Owner of Destiny Community Café surprised with major donations to keep serving those in need

NORTH CHARLESTON, S.C. (WCBD) – The owner of a pay-what-you-can restaurant who was forced to move from their location in North Charleston received a major donation on Wednesday.Destiny Community Café had to leave its location by the end of October and nearly closed for good after the property manager raised the rent. But members of the community came together – in true Charleston fashion – and helped collect donations for the organization.Ragina Scott Saunders, the James Island native who founded the ca...

NORTH CHARLESTON, S.C. (WCBD) – The owner of a pay-what-you-can restaurant who was forced to move from their location in North Charleston received a major donation on Wednesday.

Destiny Community Café had to leave its location by the end of October and nearly closed for good after the property manager raised the rent. But members of the community came together – in true Charleston fashion – and helped collect donations for the organization.

Ragina Scott Saunders, the James Island native who founded the café, has been serving up healthy and delicious food to those who need help for almost seven years. Food is donated by local farms, nonprofits, and community partners.

She said the need intensified during the pandemic.

But Saunders learned in October that she and other small businesses would have to leave their location because of a rent increase.

“We tried to negotiate and talk with the manager and the only thing they tried to do is push contracts in my face,” she said.

Since then, there has been an outpouring of support from the community. During a special event on Wednesday, Seacoast Church and the North Charleston Dream Center presented her with a $50,000 check to go towards purchasing a new food truck to better serve those in need across the Lowcountry.

“In 2009, the Seacoast Church and The North Charleston Dream Center had a dream to make an impact in this community. And just like you, we ran into obstacles and a lot of trials. But the generosity of the community coming together through their finances and support helped us maintain and serve thousands,” said organizers with the center.

But that wasn’t all. The owner of Swig and Swine was also at the event and handed over the keys to a second food truck to Saunders.

“I’m a firm believer in the fact that everyone’s giving gifts in order to do God’s work. When I saw the story that you had lost your restaurant, I knew that you needed a new set of tools to help give back to the community like you always do, so we have a truck for you.”

Saunders was named a News 2 Remarkable Woman finalist earlier this year. She thanked her community for their willingness to give back during today’s surprise.

“I thank God, I thank the community for having faith and coming together because this is what it’s all about. This is making it even better to happen for us, even before the new year. We were getting calls from people who are handicapped, disabled, unemployed, sick and a meal is the number one thing they are asking for right now,” she said,

Saunders went on to say, “I thank you all for getting us back up and running on the road with not just one, but two food trucks – the beginning of a fleet – this is God’s work, y’all. Thank y’all.”

Saunders said getting out to the communities will be very beneficial to those who are facing hard times and worried about transportation. “We can feed double, triple, what we’ve been doing,” she said. “We even have people that are disabled so we can come to the apartments, low-income communities – this is a blessing.”

Others in the community have donated $25,000 to the Saunders and Destiny Community Café.

Ability Tri-Modal expanding operations in Charleston County

More than $24 million investment will create 27 new jobs COLUMBIA, S.C. – ...

COLUMBIA, S.C. – Ability Tri-Modal, a third-generation distribution and transportation provider, today announced plans to expand operations in Charleston County. The more than $24 million investment will create 27 new jobs.

Founded in 1982, Ability Tri-Modal provides warehousing and distribution services to consumers for bicoastal service. The company also specializes in trans-loading, consolidation and deconsolidation, retail delivery and a variety of other value-added services.

Located at 3298 Benchmark Drive in North Charleston, the company’s expansion will increase storage and distribution services to support growing demand.

The expansion is expected to be completed by fall 2022. Individuals interested in joining the Ability Tri-Modal team should visit the company’s careers webpage.

QUOTES

“We are very excited to see this building expansion project get started and be able to see it completed. We want to thank our local team members for their hard work and efforts to help put our organization in the position for expansion in the Charleston area. We also would like to thank the local vendors who support us, the Charleston County Economic Development Department and the good folks at the Port of Charleston which we utilize to serve our client base. We appreciate these new relationships and hope to continue to build on them into the future.” -Ability Tri-Modal Executive Vice President Mike Kelso

“South Carolina’s warehousing and distribution sectors are booming, and today’s expansion by Ability Tri-Modal is further proof of how companies find success in our state. We congratulate Ability Tri-Modal on their growth as they expand to serve even more clients.” -Gov. Henry McMaster

“South Carolina is growing as a leader in global connectivity, and today’s announcement by Ability Tri-Modal will only bolster our credentials. I’m proud to see the strong partnership between our state and this terrific company continue to thrive.” -Secretary of Commerce Harry M. Lightsey III

“The announcement by Ability Tri-Modal is another reason why we work each day to make Charleston County business-friendly. We continue to attract private investment, strengthen the regional economy and create new opportunities for business and residents. Congratulations to Ability Tri-Modal on their expansion.” –Charleston County Council Chairman Teddie Pryor

Feds raid North Charleston store, seize counterfeit sports jerseys

A sports apparel business previously located in the Northwoods Mall was raided last month by federal authorities investigating the sale of counterfeit clothing.Homeland Security Investigations’ Charleston office executed a federal search warrant on Dec. 14 at Game Over Sports as part of an investigation into allegations the store’s owner was selling counterfeit sports jerseys, according to federal records filed on Jan. 10 in U.S. District Court.A variety of jerseys seized from the business were determined to be phon...

A sports apparel business previously located in the Northwoods Mall was raided last month by federal authorities investigating the sale of counterfeit clothing.

Homeland Security Investigations’ Charleston office executed a federal search warrant on Dec. 14 at Game Over Sports as part of an investigation into allegations the store’s owner was selling counterfeit sports jerseys, according to federal records filed on Jan. 10 in U.S. District Court.

A variety of jerseys seized from the business were determined to be phony, records show.

Criminal charges have not been filed.

Assistant U.S. Attorney Derek Shoemake said he could not comment, saying only, “The filings speak for themselves.”

Lanard “Larry” Smith, the owner of the business, said in an interview on Jan. 12 he did not know the sports jerseys were counterfeit.

“The person that I was ordering stuff from, they said everything was legit. I had no clue until they came into the store,” Smith said.

Smith and his brother were previously convicted of trafficking in counterfeit apparel in 2008. Both men were sentenced to three years probation.

An operator at Northwoods Mall said Game Over Sports closed on Dec. 16.

The S.C. Secretary of State’s Office first alerted HSI in August that the business was suspected of selling counterfeit goods, according to an application for a federal warrant to seize property.

A federal cargo tracking database showed that four dozen shipments of clothing arrived at the business earlier in the year. The cargo came from countries such as Japan, Malaysia, China and Hong Kong.

Similar international cargo addressed to the brother and another man was also shipped to a Summerville apartment from June 2019 until May, records show.

At least seven of the international shippers were associated with intellectual property rights violations, according to the records.

An employee of the Secretary of State’s Office purchased suspected counterfeit apparel, including a Kobe Bryant Los Angeles Lakers basketball jersey purported to be made by Nike, from the store on Sept. 28.

An investigator with a private company that specializes in intellectual property rights inspected the basketball jersey, purchased for $150, and determined it was a knock-off, records state.

Investigators determined other jerseys seized in the Dec. 14 raid were also counterfeit, according to records.

In addition to the jerseys, federal authorities seized more than $100,000 from the business’ bank accounts, records state.

Lanard Smith said on Jan. 12 he planned to retain legal counsel.

3 new retail shops to open where North Charleston restaurant was demolished

A new building with three tenants will occupy the space where Applebee’s restaurant once stood on Rivers Avenue in North Charleston.Eyemart will operate in the middle slot while Dunkin’ Donuts will be on the left and Cycle Gear will move into the space on the right.Eyemart could open before the end of the year, while opening time frames for the other two businesses have not been announced.The new businesses sit on an outparcel at 7818 Rivers ...

A new building with three tenants will occupy the space where Applebee’s restaurant once stood on Rivers Avenue in North Charleston.

Eyemart will operate in the middle slot while Dunkin’ Donuts will be on the left and Cycle Gear will move into the space on the right.

Eyemart could open before the end of the year, while opening time frames for the other two businesses have not been announced.

The new businesses sit on an outparcel at 7818 Rivers Ave. in front of the Promenade at Northwoods Shopping Center across from Northwoods Mall and the recently opened Bahama Breeze restaurant.

Southern outpost

A new wine shop is coming to downtown Charleston.

Lindsey Williams, owner of Davidson Wine Co. of Davidson, N.C., plans to open Charleston Wine Co. at 63 S. Market St., according to Mandy Coleman with Charleston Restaurant Properties.

Williams hopes to open soon in the shop next to Byrd’s Famous Cookies.

She has applied for a license to sell beer, wine and liquor for on-premise use in the 589-square-foot shop that offers an upstairs as well. Williams plans to offer wines made in the Carolinas, local beer, charcuterie and desserts.

Sweet spot

A dessert shop that once was located in West Ashley plans to open soon in Mount Pleasant.

Gala Desserts is expected to welcome customers by mid-January at 123 Pitt St. in the Old Village. The shop previously was located at 829 Savannah Highway in Avondale.

What’s cooking?

Another new dining option is coming to North Charleston.

Alamo Ranch Restaurant plans to open at 5611 Rivers Ave. in Gas Lite Square Shopping Center.

An opening date has not been announced, but the eatery recently applied for a license to sell beer, wine and liquor for on-site use.

On the way

Rooted Bottle Market and Bar recently applied for its license to sell beer and wine for onsite and offsite use in northern Mount Pleasant.

The new shop will occupy 1,267 square feet at 3510 Park Avenue Blvd., Building 2, Suite 100, in The Bend at Carolina Park, a retail strip center of five buildings near Costco Wholesale.

Three of the buildings are fully leased with a variety of retail shops and restaurants as well as fitness centers and professional services, according to the commercial real estate firm Belk|Lucy’s website.

A fourth building has leases in four of the six spaces and the final building is being marketed for tenants.

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