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Health Insurance Plans Made Easy and Affordable
Trying to find the right health insurance plan for you or your family can be a complex, often difficult task. Just trying to find the best carrier can be stressful and confusing on its own. That is why the Health Insurance Solutions was founded - to take the stress and confusion out of the health insurance process. Our goal is to help hardworking men and women find the best protection for their unique needs.
Unlike some health insurance brokers, we make every effort to learn about the kind of health insurance you really need. When you speak with an agent from The Health Insurance Solutions, know that we will never try to upsell you on a plan that you can't afford. Instead, your knowledgeable, helpful health insurance agent in Seabrook Island will help you navigate the uncertain waters of the health insurance world. Once we understand the health insurance plan you need, we will explore your options. That way, you can leave our conversation feeling informed about your health insurance options and confident that you are making the best choice possible.
We are proud to have served people just like yourself for more than 15 years at the Health Insurance Solutions. We have helped countless individuals, families, and business owners find the coverage they need at a price that won't send them into bankruptcy. If you know that you need health insurance but don't know how to start or what to look for, we've got good news - you're in the right place.
Service Areas
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in Seabrook Island provides, we should address the elephant in the room. Everyone regardless of age or health, can benefit from a health insurance plan. Even the healthiest of people want to maintain their health and have protection in the event of a catastrophe. One of the best ways to stay healthy and plan for unexpected events is to visit your doctor for an annual check-up. When you have a health insurance plan, these visits are often fully covered by your insurance carrier when you choose an in-network doctor. Without health insurance, you will be responsible for the full cost of any medical care - even routine check-ups with your primary care physician. If something horrible happens, and you don't have health insurance, you may have to pay the full amount for the emergency care you receive. Even young, healthy individuals can benefit from the right health plan. After all, nobody plans on getting sick or injured, but bad things can happen to anyone. Something unexpected like a broken leg can cost more than $7,000 to treat when you don't have coverage. A three-day stay in a hospital can cost upwards of $30,000. That can be an incredible amount of money to pay out of pocket. Having a health insurance plan set in place can help you get quality care at a much more affordable price, especially if something unforeseen happens.
Who We Serve
At the Health Insurance Solutions, our mission is to educate and empower our clients so that they can get the best access to medical care possible. Because everyone has their own unique set of needs when it comes to health plans, we serve a wide range of clients.
Individuals
Individual plans, also called personal health plans, are health insurance policies that you can purchase solely for yourself. When you work with Health Insurance Solutions, your health insurance agent in Seabrook Island will go over your health plan options and help find the best fit for your needs. Individual health plans are not tied to your employer, so you can make a career change without having to worry about losing your health insurance. For individual plans, we offer major medical, short-term, and fixed benefit plans that include life, dental, vision, and other coverage options.
Families
Finding the right health plan for your family can be a real challenge, but our experienced health insurance agents are here to help. We understand that not all members of your family will have the same needs. To help your family get the best coverage possible, we search for custom plans that will meet each of your family members' needs. Whether you're looking for major medical coverage or fixed-benefit plans with no deductibles, our experts are here to serve you. Common coverage options include vision, dental, life, STD and LTD, long-term care, and more.
Self-Employed
Entrepreneurs have their own set of needs in terms of health plans and how much they can afford to spend on coverage. Once thought of as a small percentage of the workforce, 57 million Americans freelanced in 2019 alone, according to the Upwork and Freelancers Union. If you are a consultant, independent contractor, or freelancer, the Health Insurance Solutions will find a plan that caters to your current needs and future endeavors. Common health insurance plans for self-employed people include vision, life, dental, and stand-alone prescription coverage. We also offer major medical, supplemental, short-term, and fixed-benefit plans at a range of prices that you can afford.
Small Business
Offering health insurance to your employees is one of the best ways to keep your team happy and attract diligent workers to your company. If you are a business owner who wants to provide health insurance to your employees but cannot do so because the cost of benefits is too high, worry not. Our experienced health insurance agents will work directly with your employees to help them find the coverage they can afford. We also offer hybrid plans that can be customized so that both you and your employee's needs are met. Whether you need a major medical package or voluntary benefits only, the Health Insurance Solutions has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.
Travelers
If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler's insurance can help minimize expensive cancelation fees and costs.
Most Popular Types of Coverage
Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions, we will provide you with a trusted health insurance agent in Seabrook Island 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 Seabrook Island you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.
DENTAL
From basic cleanings to complex procedures like root canals, dental work can be awfully expensive. When you have dental insurance, you will have peace of mind knowing that you won't have to pay for your procedure out of pocket. In general, a quality dental insurance policy will cover some or all of the following:
- Routine cleanings and checkups (copay may be required)
- X-Rays
- Filling Cavities
- Bridges, Implants, and Crowns
- Root Canals and Repair Work
- Emergency Services Oral Surgery, etc.)
It should be noted that some types of dental equipment and services may be covered at higher levels of coverage. While preventative work like cleanings is typically covered, some procedures require out-of-pocket costs.
VISION
Usually purchased as an addition to your medical insurance, vision insurance helps cut back on costs associated with eye care Like dental insurance, vision insurance is great if you know that you will regularly visit the eye doctor or just want to protect yourself for a "worst case scenario." In general, a quality vision plan will cover some or all of the following:
- Routine Eye Exams
- Medical Eye Care
- Vision Correction Products (Eyeglasses, contacts, etc.)
- Surgeries for Vision Correction (LASIK, etc.)
It should be noted that not all types of vision insurance will cover medical issues related to eye care. For instance, if your optometrist discovers a medical problem during your eye exam, they may refer you to a different doctor. While vision insurance may not cover all eye-related medical services, major medical health insurance often does.
LONG-TERM CARE
It might be hard to imagine at this stage of your life, but as you age, there is a chance that you will need long-term care services. The question is, how will you or your loved ones pay for this kind of care? Many people choose to eliminate the burden of senior care by purchasing long-term care insurance. Services like meal preparation, medication assistance, and help with day-to-day activities like bathing are not covered by regular health insurance plans. Long-term care insurance will help you or your children lessen the expense of care when you have chronic medical conditions, dementia, or disabilities. When you speak to one of our health insurance agents, ask if you can purchase a policy that reimburses you when you receive care in the following locations:
- Routine cleanings and checkups (copay may be required)
- In a nursing home
- In your own home
- In an assisted living center
- At a long-term residential senior facility
Expert Help Is Only a Phone Call Away
We call ourselves the Health Insurance Solutions because we are committed to finding you the best, most affordable options for your health insurance needs. We work with all the major insurance carriers, such as:
- Aetna
- Advent Health
- United Healthcare
- National General
- Humana
- Transamerica
- Many More
Unlike some health insurance brokers who only care about making a sale, we don't view you as a financial transaction. We believe that serving others never goes out of style. That's why we prefer to educate you on your health coverage options so that you can make an informed decision. As your health insurance agent in Seabrook Island, we would be honored to help you seek out a plan that is the perfect fit for your life. You will receive the same excellent level of service whether you are a business owner with employees or a single individual.
When you're ready to protect yourself and your family with quality health insurance, we will be here to help guide you along the way. Contact us today so that we may discover your insurance needs and provide you with a quality insurance solution that will give you peace of mind for years to come.
Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in Seabrook Island, SC
Editorial: Seabrook Island, other beach towns, should respect Johns Island growth boundary
THE EDITORIAL STAFFhttps://www.postandcourier.com/opinion/editorials/editorial-seabrook-island-other-beach-towns-should-respect-johns-island-growth-boundary/article_3f452f3c-2578-11ee-9aa0-1fa7a0456ce2.html
There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town's northern limits.The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangerous pre...
There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town's northern limits.
The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangerous precedent it would set, a precedent that would erode the rural character of southern Johns Island.
Decades ago, local governments, led by the city of Charleston and Charleston County, agreed on an urban growth boundary across Johns Island and other areas. The big idea was to ensure their zoning and other policies were synchronized to allow suburban development to continue to spread, but only up to a point, beyond which the existing rural nature would be preserved. The boundary has generally worked well, but as with so much other conservation work, it needs to be embraced and reaffirmed by each new generation.
Seabrook Island's potential move would mark one of the first and most dramatic annexations by a municipality into the rural portion of the island; if it succeeds, it almost assuredly wouldn't be the last, and it could hasten the unraveling of the boundary line — and increase development pressures on the shrinking amount of land on the rural side of the boundary.
Robby Maynor of the Coastal Conservation League agrees that annexing and rezoning this property on the rural side of the urban growth boundary would set a disastrous precedent on the county's Sea Islands and could lead to annexation battles such as those that are playing out along the most rural stretches of the upper Ashley River, whose rural historic district remains in jeopardy from encroaching homes, stores and the traffic they bring. Approving the marina project would be "like kicking an anthill and hoping you don't get bit," he says.
The case that the property's owner and other supporters have made for the annexation is that it would give Seabrook Island future control of the site and limit future development there, according to reporter Warren Wise. But the proposal appears to us as designed to facilitate development, not to curb it. Annexing the site, which is next to Bohicket Marina, would allow it to tie into the town's sewer system.
Unfortunately, Seabrook Island's Planning Commission has recommended annexing the site and rezoning it for a mixed-used development. We urge Town Council members to reject that move when they consider the matter Aug. 22.
As Mr. Wise noted, the project is a scaled-down version of a 30-year-old Andell Harbor project that state environmental regulators rightly and mercifully rejected. While this is smaller, with only about 4 acres of development near the creek and the rest set aside for open space, it still would represent an unwelcome and disturbing encroachment into the rural area between the barrier islands of Kiawah and Seabrook and the suburban growth from the city of Charleston.
Last year, we urged elected officials, neighborhood leaders and planners with Charleston County and the two beach towns to come up with a mutually agreed-upon overlay for their shared area at the southern tip of Johns Island. That overlay should guide future development toward the kinds of uses — and the sizes and scale — residents of all three jurisdictions would most like to see, and help address growing real estate pressures in a way residents prefer. We repeat the call for regional cooperation, and Seabrook Island's rejection of this annexation would be an important first step.
Plans for yacht club concerns sea island residents
Molly McBridehttps://www.live5news.com/2023/07/12/plans-yacht-club-concerns-sea-island-residents/
SEABROOK ISLAND, S.C. (WCSC) - The potential for a new yacht club and several docks on Seabrook Island is concerning Sea Islanders and environmental advocates.Town of Seabrook leaders discussed those plans Wednesday, which would include the annexation of a portion of Charleston County into Seabrook island.The town’s planning commission voted 4-1 to recommend moving forward with the annexation to the town council.The nearly 18-acre site, called the “Andell Tract,” sits between Bohicket Marina and Betsy K...
SEABROOK ISLAND, S.C. (WCSC) - The potential for a new yacht club and several docks on Seabrook Island is concerning Sea Islanders and environmental advocates.
Town of Seabrook leaders discussed those plans Wednesday, which would include the annexation of a portion of Charleston County into Seabrook island.
The town’s planning commission voted 4-1 to recommend moving forward with the annexation to the town council.
The nearly 18-acre site, called the “Andell Tract,” sits between Bohicket Marina and Betsy Kerrison Parkway on Johns Island.
the plan includes a private Yacht Club and amenities such as a boat house, pool house and detached hotel containing 10 two-story cottages, according to town documents.
It also has public spaces including a boardwalk, pathways and a community crabbing dock.
Dana Beach, the founder of the Coastal Conservation League, said his two main concerns about the proposal are the environmental impacts on the water, and the crossing of Charleston County’s Urban Growth Boundary.
He said if The Town of Seabrook annexes this portion of Charleston County into their town for development, it could set a precedent for other local municipalities to do the same.
“The town may say ‘this is only a 20-acre parcel that in itself isn’t a big deal,” Beach said. “That’s what Charleston could say if it wanted to coming down from the north, that’s what Kiawah could say as it comes in from the East, even Folly Beach could say that.”
Robby Maynor, the Communities and Transportation Program Director for Coastal Conservation League echoed Beach’s point while addressing the planning commission at Wednesday’s meeting.
“There is an ongoing effort for collaboration between the municipalities on the sea islands to reaffirm that growth boundary to help strike a balance between development and preservation, this annexation would be a step in the wrong direction,” Maynor said.
The majority of the 544 written comments and 10 in person comments were against the development, although some community members spoke in its’ favor.
“I believe a Yacht Club is an amenity that fits perfectly within our diverse group of people,” Seabrook resident, Jackie Helline, said.
Mike Shuler, the Owner and Managing Partner for Bohicket Marina Investors, said he respectfully disagrees with the fear that this annexation may set a precedent for other municipalities to cross Charleston County’s Urban Growth boundary.
“What we are annexing is part of Seabrook’s comprehensive plan. Whether it crosses an Urban Growth Boundary, in my opinion, isn’t relevant here,” Shuler said. “Not to mention, further expansion beyond the property we are contemplating here is not possible because of conservation easements that are in place.”
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