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Trying to find the right health insurance plan for you or your family can be a complex, often difficult task. Just trying to find the best carrier can be stressful and confusing on its own. That is why the Health Insurance Solutions was founded - to take the stress and confusion out of the health insurance process. Our goal is to help hardworking men and women find the best protection for their unique needs.

Unlike some health insurance brokers, we make every effort to learn about the kind of health insurance you really need. When you speak with an agent from The Health Insurance Solutions, know that we will never try to upsell you on a plan that you can't afford. Instead, your knowledgeable, helpful health insurance agent in Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, SC you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

Health Insurance Companies Sullivan's Island, SC
Health Insurance Sullivan's Island, 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 Sullivan's Island, SC
Private Health Insurance Sullivan's Island, 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 Sullivan's Island, 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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What Client Say About Us

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

Latest News Near Me Sullivan's Island, SC

Homes won’t be built atop WWII-era bunker on Sullivan’s Island, developer says. Take a look inside.

SULLIVAN’S ISLAND — On Ion Avenue, close enough to the beach that you can hear seagulls caw, an overgrown parcel sits in stark contrast to the manicured lawns and beach houses that line the street.Thick shrubbery partially shrouds its entrance that’s set far back from the residential street. Topped with cacti and pine, a concrete bunker is built into an earthen mound here. The World War II-era bunker spans six properties, with gun batteries bookending the structure.Now, three of those properties are poised to ...

SULLIVAN’S ISLAND — On Ion Avenue, close enough to the beach that you can hear seagulls caw, an overgrown parcel sits in stark contrast to the manicured lawns and beach houses that line the street.

Thick shrubbery partially shrouds its entrance that’s set far back from the residential street. Topped with cacti and pine, a concrete bunker is built into an earthen mound here. The World War II-era bunker spans six properties, with gun batteries bookending the structure.

Now, three of those properties are poised to be developed.

Developer Patrick Marr, a Sullivan’s Island resident, had ambitions of placing homes atop the bunker. Marr, who’s worked on other high-profile island developments like the newest iteration of the “Wedding Cake House,” worked with Charleston-based firm Loyal Architects to bring three concepts for the homes to Sullivan’s Island’s Design Review Board in February.

The designs consisted of homes cascading down the mound, with at least one story of each home perching on top of the bunker. Each property would be unique, constructed with different materials and design elements to avoid a row of identical homes, Marr said.

“These houses are going to be able to stand on their own with completely distinct designs, just as private owners of each lot would do. We will ensure that the houses will reflect the island character,” he said.

The bunker is listed in the town’s historic resources survey as the Fort Marshall gun battery. Built for use in World War II, the bunker held munition for the army’s coastal defenses on Sullivan’s Island.

When a property is a town-designated landmark property, the appointed body of architects, interior designers and preservationists evaluate developments to ensure they preserve the historic character of the property.

Legal Updates for Sullivan's Island

The South Carolina Court of Appeals has handed down two separate decisions that have the potential to affect both quality of life and property ownership on Sullivan's Island.In a 2-1 ruling on Feb. 18, the Court of Appeals overturned a Circuit Court decision that SC Lighthouse, doing business as Pacaso, a California-based company that sells fractional ownerships in luxury homes, was operating as a short-term rental on the island, which banned short-term vacation rentals around 25 years ago. According to the Appeals Court decision, sel...

The South Carolina Court of Appeals has handed down two separate decisions that have the potential to affect both quality of life and property ownership on Sullivan's Island.

In a 2-1 ruling on Feb. 18, the Court of Appeals overturned a Circuit Court decision that SC Lighthouse, doing business as Pacaso, a California-based company that sells fractional ownerships in luxury homes, was operating as a short-term rental on the island, which banned short-term vacation rentals around 25 years ago. According to the Appeals Court decision, selling shares of the vacation home "does not constitute commercial use of the property."

A week later, on Feb. 25, the Appeals Court upheld a Circuit Court ruling that the town's Oct. 7, 2020, settlement agreement in Bluestein vs. Sullivans's Island concerning property abutting the Maritime Forest is invalid. As part of the agreement, the town opted to settle the lawsuit by implementing a "selective thinning" plan for the Forest that would consist of the removal and trimming of vegetation on the accreted land.

The parties in the long-term lawsuit stipulated that the settlement agreement could not be "modified or amended, nor could any of its provisions be waived, except upon mutual agreement of all parties or their authorized agents in writing."

The agreement also provided that it would be “binding upon and inure to the benefit of all the parties, and their heirs, successors and assigns.”

However, after a new City Council was elected in May 2021, the Town brought a declaratory judgment action against Property Owners in February 2022 seeking an order that the settlement agreement was invalid and unenforceable, arguing that it unfairly bound future councils to this agreement.

The Court of Appeals sided with the town, finding, “Our courts have consistently invalidated contracts that bind future governing bodies because the contracts involved the bodies’ legislative functions or governmental powers.”

Sullivan's Island homeowners lose appeal in long-running maritime forest lawsuit

SULLIVAN’S ISLAND — A unique forest on this barrier island will stay wild with minimal intervention.The South Carolina’s Appeals Court rejected efforts from a pair of homeowners to enforce a “selective thinning” plan that would have required an unprecedented number of trees in the lush forest to come down.The Feb. 25 decision closes the door on a 2020 settlement between Sullivan’s Island and property owners who live near the wooded area that’s cropped up on accreted land over the past 7...

SULLIVAN’S ISLAND — A unique forest on this barrier island will stay wild with minimal intervention.

The South Carolina’s Appeals Court rejected efforts from a pair of homeowners to enforce a “selective thinning” plan that would have required an unprecedented number of trees in the lush forest to come down.

The Feb. 25 decision closes the door on a 2020 settlement between Sullivan’s Island and property owners who live near the wooded area that’s cropped up on accreted land over the past 70 years. The agreement laid out a maintenance plan that included removing small trees and clearing vegetation in areas near homes and beach paths throughout the forest.

In 2023, the settlement was tossed but two property owners, Nathan Bluestein and Theodore Albenesius, III, filed an appeal to restore the agreement and push the town to maintain the forest.

Attorneys for the town and the homeowners argued their cases before the state’s appellate court last fall.

The homeowners’ attorney, James Hood, told The Post and Courier shortly after oral arguments were heard last October that he and his clients were “hopeful that the Court of Appeals will order the town of Sullivan's Island to do what it agreed to do.”

But the court ultimately sided with the town.

In an opinion authored by Judge John Geathers, the court found that the agreement would bind future town councils to the terms of the settlement.

“As a result of this settlement agreement, the decision of the current or future town councils to alter or stop the selective thinning plan … would require and be conditioned upon the consent of private individuals,” Geathers wrote.

Attorneys for the homeowners did not immediately respond to requests for comment in time for publication. Town Administrator Joe Henderson declined to comment on the Feb. 25 outcome.

The decision brings to close another chapter in the maritime forest’s highly-litigated history.

Maritime forest dispute spans over 15 years

The forest is somewhat of a novelty in South Carolina. Where many beaches are eroding faster than sand can be replaced, Sullivan’s Island is growing. The placement of the Charleston Harbor Jetties blocks sand that would flow away from the town’s shores keep much of the sediment in place on the island’s south end.

The accretion of sand and sediment has become the site of a lush, young forest where visitors can trek through a shaded trail system to access the beach, the Charleston Light overlooking the path.

The town purchased the 200-plus acres from the Lowcountry Land Trust in 1991. Under the property’s deed restrictions, town leaders are able to trim vegetation to maintain public access and keep mosquitoes under control. However, the forest was to largely remain in its natural state.

Some residents view the forest as a revered resource. Others are less-than-thrilled by its untrimmed nature. Overgrowth and mosquitoes, coyotes and rats, loss of both beach access and ocean views were among the chief complaints from neighbors of the lush forest listed in a 2010 lawsuit filed by a handful of homeowners against the town of Sullivan’s Island.

Litigation dragged on for years. It seemed the matter was all but settled in 2020, when the town agreed to maintain the maritime forest through “selective thinning.” The thinning would remove trees in specific areas near homes, with some exceptions, and clearcut vegetation near beach paths.

Some, though, called for the conservation of the forest with a desire for it to remain wild. Sullivan’s Island For All, a group formed by concerned residents in support of preserving the maritime forest, lobbied for the town to re-examine the agreement.

It took a new slate of town council members, led by current Sullivan’s Island Mayor Pat O’Neil, to do so. In 2021, town leaders voted to hire an outside attorney to conduct a legal review of the settlement.

In 2023, Charleston County Circuit Judge Jennifer McCoy deemed the agreement “unenforceable.” The agreement restricted council from adopting future regulations preserving or maintaining the land as public interests change, McCoy determined.

The Feb. 25 decision from the appeals court affirmed that judgment.

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