health insurance agent in Sullivan's Island
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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 Sullivan's 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.
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in Sullivan's 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.
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 Sullivan's 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.
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.
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.
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.
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 Sullivan's 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:
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
- 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 Sullivan's Island you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.
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)
- 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.
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.
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:
- Advent Health
- United Healthcare
- National General
- 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 Sullivan's 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.
Latest News in Sullivan's Island, SC
Folly Beach votes to cap short-term rentals at 800 in closely watched election
FOLLY BEACH — In a referendum locals viewed as a battle for the future of this barrier island, Folly Beach residents narrowly voted to limit the number of short-term rentals that can operate on one of Charleston’s most popular beach communities.The vote for tighter restrictions is expected to slowly shrink the number of short-term rentals that can operate here.“It looks like the citizens want to have a year-round community, not just a weekly community,” Mayor Tim Goodwin said after the results were in....
FOLLY BEACH — In a referendum locals viewed as a battle for the future of this barrier island, Folly Beach residents narrowly voted to limit the number of short-term rentals that can operate on one of Charleston’s most popular beach communities.
The vote for tighter restrictions is expected to slowly shrink the number of short-term rentals that can operate here.
“It looks like the citizens want to have a year-round community, not just a weekly community,” Mayor Tim Goodwin said after the results were in.
A narrow majority of voters, 53 percent, said “yes” to the only question posed by the Feb. 7 referendum. The results will be certified on Feb. 9.
Island residents were asked to decide whether short-term rental licenses on Folly Beach should be capped at 800.
According to unofficial returns from the Charleston County Board of Elections, just 77 votes separated the results.
Some 655 of the island’s registered voters agreed with the restrictions, compared to 578 who did not want to see the limit imposed.
At the heart of the one-question issue was a central concern shared by many Charleston-area beach communities: How do communities balance all that comes with being a tourist destination while still preserving what makes a place special?
Tuesday’s vote adds a fresh layer of local oversight but the impact of the decision could take years to materialize. Goodwin and city staff estimate it could take about three years for Folly Beach to drop down to that 800-mark.
Property owners have had to apply for short-term rental licenses since 2018. Currently, there are more than 1,100 active licenses on the barrier island, which accounts for some 40 percent of the island’s properties.
Under the proposed ordinance, owners with short-term rental licenses may continue to operate and keep their licenses until there’s a transfer to a new owner or family member. No new short-term licenses would be granted until the number of active permits falls below 800 — a figure based on the number of pre-pandemic licenses in 2020.
A waiting list would be established for future permits, but there are a lot of unanswered questions about further specifics or effects the limit would have.
Katherine Meader, who is one of those owners, voted “no” to the cap. As a mother of five, she said her vote was about protecting the future of her five children.
“They’re the ones who are going to carry it on. I just want them to be able to do the same thing that their mom has done without having to get in line behind someone who may have moved here a year ago,” she said. “I don’t want my kids to have to get back in line to apply for a license that might already be at its cap.”
Others saw short-term rentals and the flow of transient guests staying in them as a threat to the established community and its longtime residents who don’t want new neighbors every week.
Two advocate groups were especially vocal about the vote: Save Folly’s Future, which was pushing for the cap; and Folly United, which opposed the cap proposal.
Neither leader of the rival vote efforts could cast a ballot because they do not live on Folly Beach, but pro-cap John McFarland sat outside the polling place from 11 a.m. until polls closed at 7 p.m.
For Colleen Lamar, the vote “yes” was about preserving a place she loves.
“This will be my home until they carry me out in a box,” she said.
The referendum, at times, pitted neighbor against neighbor, with dueling yard signs along residential streets.
Folly is the latest beach community to make a decision about how to handle short-term rentals. Sullivan’s Island banned short-term rentals more than two decades ago. Isle of Palms could be next. On Feb. 6, the eve of the Folly Beach vote, a roomful of people attended a special workshop hosted by Isle of Palms City Council on short-term rentals.
Charlestonian 101: Our guide to becoming a Charleston, SC citizen
Picture this: You just moved to Charleston, SC and you need some help with the practicalities of life (we can’t just sit back and relax on Sullivan’s Island all day, unfortunately). That’s where we come in. Keep reading for Charlestonian 101, our guide to all things CHS citizenship.Voter registrationMake sure you’re eligible and registered to vote, find your polling location, and preview upcoming elections and sample ballots ...
Picture this: You just moved to Charleston, SC and you need some help with the practicalities of life (we can’t just sit back and relax on Sullivan’s Island all day, unfortunately). That’s where we come in. Keep reading for Charlestonian 101, our guide to all things CHS citizenship.
Make sure you’re eligible and registered to vote, find your polling location, and preview upcoming elections and sample ballots here.
Driver’s licenses and vehicle registration
New residents in need of an SC driver’s license will need to provide their social security number, proof of identity, citizenship, and date of birth, and two documents confirming their current physical SC address.
For dealer-purchased vehicles, titling and registration will be completed for you (generally). If your vehicle was purchased from an individual that holds the title, here’s what you’ll need to register your car in SC:
Find out what you need to transfer a plate or request a new one here. Initial registrations may be subject to title and registration fees.
Visit an SCDMV branch to obtain an SC driver’s license or register your vehicle.
Establishing yourself with a primary care provider is one of those things you’ll be glad you did when you need one. Reach out to the professionals at Roper St. Francis Healthcare, MUSC Health, or Palmetto Primary Care Physicians, to name a few. Pro tip: Websites like DocSpot filter physicians by location, patient reviews, insurance, language, and more.
Prepare your student for the school year by registering them with Charleston County School District (or Berkeley County School District). Here, you’ll find school districts based on your residential area,and elementary, middle, high, and charter schools within each of the eight constituent school districts. Use this map to find school options by zone.
Get details on Charleston County School District registration and enrollment here, including a required documentation list and registration link. For information on Charleston County’s private schools, check out this list.
Library card registration
If you think libraries are only for checking out the occasional book, think again. Register for a library card at your nearest Charleston County Public Library branch or online to take advantage of:
To get your card, you’ll need a photo ID and proof of address. Young adults ages 12-17 are eligible for a young adult library card, and those under the age of 12 can get a card with a parent or guardian’s signature.
Thanks for thinking green. For everything you need to know about recycling in Charleston, from pickup days to container requests and accepted materials, check out this Charleston County Environmental Management page.
Moving is exciting, but no one wants to unpack by candlelight. Establish your services with Dominion Energy by creating an account or updating your address in your existing account. Pro tip: Check out this info to learn how to manage seasonal bills.
No connectivity issues here. Check out some of the internet providers in the 843 below. Note: Service cost and availability may vary by location.
Having an SC driver’s license and an 843 area code may qualify you on paper, but you’re not officially a Charlestonian until you’ve taken part in some local fun.
Rooftop bars and restaurants
You haven’t properly enjoyed a Holy City skyline unless you’ve enjoyed a drink on a rooftop overlooking the hustle and bustle of our city with your closest friends. Did someone say golden hour photo op? Here are a few spots.
Live music and Charleston go together like peanut butter and jelly. There’s no shortage of local venues like Credit One Stadium, Music Farm, The Windjammer, and Pour House, so the chances of seeing your favorite artist live in action are pretty good. Take a look at upcoming concerts.
With historic buildings like “America’s First Museum” and “America’s first theater,” Charleston has its fair share of stories to tell through the years — which makes sense, given that the city dates back to 1670.
Explore our history coverage to learn about ghost stories, preservation efforts, and local landmarks, and check out these interesting facts about the Holy City’s past and quirks.
Is there something you’re still left wondering about to get you properly established in the Holy City? Ask us your question and we’ll do our best to answer it for you, like a good neighbor.
Judge rules former settlement to cut maritime forest on Sullivan’s Island is unenforceable
SULLIVAN’S ISLAND — Town Council can control most all aspects of tree-cutting in its beachfront maritime forest because it can’t be bound by decisions made by previous councils in the matter, a judge has ruled.The basic principle of Circuit Judge Jennifer McCoy’s ruling is a town council cannot enter into an agreement that will bind a successive council into doing or not doing certain things.The decision, filed Jan. 30 in state court in Charleston, comes after a former Sullivan’s Island council rea...
SULLIVAN’S ISLAND — Town Council can control most all aspects of tree-cutting in its beachfront maritime forest because it can’t be bound by decisions made by previous councils in the matter, a judge has ruled.
The basic principle of Circuit Judge Jennifer McCoy’s ruling is a town council cannot enter into an agreement that will bind a successive council into doing or not doing certain things.
The decision, filed Jan. 30 in state court in Charleston, comes after a former Sullivan’s Island council reached a settlement in 2020 that mandated more thinning of the maritime forest than the town had contemplated.
That settlement resolved a decadelong lawsuit — stemming back to 2010 — from a group of homeowners next to the forest who wanted to see more management of the land from the town.
The forest gradually grew on land that is accreting where the island meets the Atlantic Ocean. The effect has created a thicket between the large beach houses and the sandy beach, which blocked views of the ocean while also creating swampy and forested territory.
Any future councils would have been bound to that previous agreement.
The court decision changed that.
“As mayor, I’m very pleased that the judge agreed with our contention that that settlement agreement was not consistent with South Carolina law and that it should be voided,” said Mayor Patrick O’Neil.
Since the settlement was agreed upon, Sullivan’s Island residents elected a new council with a majority that was more favorably disposed to the maritime forest, O’Neil said.
“We’ve heard a lot from many residents — not all, but many residents — who fervently disagreed with that agreement,” O’Neil said. “That urged us to do something.”
The council brought forth a declaratory judgment that the prior settlement agreement was unenforceable and therefore void.
The court agreed with that position.
William Wilkins, a Greenville-based attorney with the firm Nexsen Pruett who represented the town, said he appreciated the prompt attention Judge McCoy gave to the matter.
“She correctly applied the relevant principles of law, including the law that a town council may not enter into agreements that will bind a successive town council under the facts of this case,” Wilkins said.
Development is prohibited on the land at the center of the complaint. The town can permit or do certain amounts of cutting on the maritime forest when deemed appropriate or beneficial.
Landowners can apply for permits to cut three species of bushes or trees in front of their property, between it and the beach.
Guidelines are in place for how low the trees and bushes may be trimmed.
Issues dividing residents in the matter included those who wanted a better view of the water or were concerned about the wild animals living in the forest, such as coyotes, and those who preferred allowing the natural state to continue.
How to Throw a Perfect Bachelorette Party in Charleston
Charleston, South Carolina, with its Live Oaks draped with Spanish moss, spectacular sunsets, and historic charm, is one of the top destination wedding spots of all time, ...
Charleston, South Carolina, with its Live Oaks draped with Spanish moss, spectacular sunsets, and historic charm, is one of the top destination wedding spots of all time, according to The Knot. However, the last decade has also seen a steep rise in those celebrating their upcoming nuptials with a destination bachelor or bachelorette weekend in the southern city.
The bachelorette party is often easy to spot, wearing sashes or matching T-shirts as the team traipses down King Street, but there is much more to celebrate in Charleston than simply a night of barhopping (though we have you covered there too). In true Southern fashion, Charleston has a buffet table of options laid out for bachelorettes to sample. If you’re planning a Charleston bachelorette party, here are the places to eat, stay, and play for a weekend that is uniquely Charleston, and one that you can customize to your preferred bachelorette weekend style—no sashes required.
Eating is a cultural activity in Charleston—residents and visitors alike take it very seriously. Classic Lowcountry flavors shine in a variety of spots, from fluffy grab-and-go biscuits at Callie’s Hot Little Biscuit (which has locations on Upper King and in the City Market) to the always elegant Circa 1886, expertly helmed for more than 20 years by Chef Marc Collins, housed in the Wentworth Mansion on a residential block just a short stroll away from Colonial Lake.
For friends who are always eating off each other’s plates, Estadio is an easy choice, where the idea is to share all the tapas, from tuna crudo to deviled eggs and caviar, then order a porron—a traditional glass wine pitcher with a spout from Spain used to share wine with a group—to really get the party started. A stop at Rancho Lewis for spicy margaritas and some hearty Tex-Mex fare is decidedly smart pregaming if partying later is your pleasure, and its spacious dining room can easily accommodate larger groups.
Since the city has heartily embraced the oyster bar trend, there’s a lot in that salty vein from which to choose, including 167 Raw with its lovely (and often lively) courtyard on Lower King, and Rappahanock Oyster Bar, where, in addition to a rotating selection of oysters and raw bar offerings, Chef Kevin Kelly has satisfying, seasonal seafood dishes for those in the group who might prefer something such as baked clams with a coconut sauce to raw oysters.
Off-the-peninsula options for those considering beach days or boat days include Jack of Cups, serving up a funky Folly Beach vibe and plant-forward menu, and any of the many spots along Shem Creek for seafood, dolphin spotting, and plenty of photo opportunities. Out on Sullivan’s Island, The Obstinate Daughter is a crowd-pleaser for wood-fired pizzas, pastas, and whatever is the chef’s special, while Sullivan’s Fish Camp, one of the new kids on the block, promises —and delivers on—a retro vibe mixed with tiki-esque drinks and one seriously spot-on basket of fried local shrimp.
Where groups choose to stay in Charleston really does craft the experience since a beach vibe is very different from a downtown scene or resort move. The metro area has close to 20,000 hotel rooms, and knowing your party and your activity preferences can not only improve the trip experience for everyone, but give you more opportunities for walking versus ride-shares, more precious minutes by the pool, and more chances to be on time for any reservations and activities you have planned.
Sullivan’s Island, Fort Moultrie to host Carolina Day celebrations
The Town of Sullivan’s Island and Fort Moultrie are hosting Carolina Day events to commemorate the Battle of Sullivan’s Island that took place on June 28, 1776.The Town of Sullivan’s Island, along with Battery Gadsden Cultural Center, is hosting a morning event on June 25 to honor the historic Revolutionary War battle.Even though the entire conflict took place on the island and was one of the first great American victories of the Revolutionary War, little had been done on Sullivan’s Island to mark the ev...
The Town of Sullivan’s Island and Fort Moultrie are hosting Carolina Day events to commemorate the Battle of Sullivan’s Island that took place on June 28, 1776.
The Town of Sullivan’s Island, along with Battery Gadsden Cultural Center, is hosting a morning event on June 25 to honor the historic Revolutionary War battle.
Even though the entire conflict took place on the island and was one of the first great American victories of the Revolutionary War, little had been done on Sullivan’s Island to mark the event until 2019 when the town, along with Battery Gadsden Cultural Center, began to reestablish a commemoration to complement activities in downtown Charleston organized by the Palmetto Society. Since then the Sullivan’s Island event has grown steadily.
Carolina Day festivities on Sullivan’s Island will take place on the plaza in front of Town Hall on at 9 a.m. Activities will include raising of the Moultrie flag, a proclamation by Mayor Patrick O’Neil, participation by the Daughters of the American Revolution and a special speaker on the history of the battle.
An extra special treat will be the firing of a musket salute by members of the 2nd South Carolina Regiment, Col. Moultrie’s own unit. Invocation and benediction will be by Rev. Daniel Massie. Refreshments including doughnuts, coffee and orange juice will be served.
Everyone, including students of all ages, islanders both old and new, visitors and anyone interested in learning more about the first significant event in Sullivan’s Island history are encouraged to attend the ceremony on June 25.
Additionally, Fort Moultrie will celebrate the 246th anniversary of the Battle of Sullivan’s Island with events on June 25 and 26.
At Fort Moultrie from 9 a.m. to 5 p.m., there will be living history soldiers in period uniforms, musket and cannon drills and firing demonstrations.
Visitors of all ages have the chance to experience the American Revolution through the life of a soldier at Fort Moultrie. The park entrance fee has been waived June 25.
Cannon demonstrations will be on Saturday at 11 a.m., 1 p.m., 3 p.m. and Sunday at 10 a.m. Musket demonstrations will take place on Saturday at 10 a.m., 12 p.m., 2 p.m. and Sunday at 12 p.m.
Patriots and Loyalists will be represented with the 2nd South Carolina Regiment and 33rd Regiment of Foot.
Fort Moultrie is located at 1214 Middle Street on Sullivan’s Island. The park represents the history of static seacoast defense in the United States, from the American Revolution to the end of World War II.
For more information call 843-883-3123 or visit www.nps.gov/fosu.