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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 Summerville 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 Summerville 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 Summerville, 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 Summerville 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 Summerville, 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 Summerville 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 Summerville you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

 Health Insurance Companies Summerville, SC
 Health Insurance Summerville, 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 Summerville, SC
 Private Health Insurance Summerville, 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 Summerville, we would be honored to help you seek out a plan that is the perfect fit for your life. You will receive the same excellent level of service whether you are a business owner with employees or a single individual.

When you're ready to protect yourself and your family with quality health insurance, we will be here to help guide you along the way. Contact us today so that we may discover your insurance needs and provide you with a quality insurance solution that will give you peace of mind for years to come.

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

Latest News in Summerville, SC

The Summerville Light, an iconic local ghost story, might finally have an explanation

SUMMERVILLE — In December 1974, a News and Courier reader wrote to the newspaper's Action Line column with a question."Did anyone ever decide what caused the ghost l...

SUMMERVILLE — In December 1974, a News and Courier reader wrote to the newspaper's Action Line column with a question.

"Did anyone ever decide what caused the ghost lights at Summerville?"

Answer: "Not that Action Line can find out."

Action Line, which answered a range of reader questions covering everything from spectral sights to how to read an electric meter, is long gone, replaced by Google and other search engines. But the modern-day Post and Courier might finally have an answer to that reader's question — 50 years and one month later. Better late than never.

A new research letter published in the journal Seismological Research Letters proposes that the Summerville Light isn't some ghost from beyond the grave, but a result of the seismic forces at play under the Dorchester County town.

The legend of the Summerville Light dates back at least to the 1950s. Specifics vary, but the most popular telling involves a woman who awaited her husband's return from work each evening along the railroad tracks on what is now Sheep Island Road. They'd walk home together through the dark South Carolina nights.

But one day, the man was beheaded in a train derailment. Now the woman exists in an eternal limbo, awaiting someone who will never arrive. The spooky lights along the track are her lantern, which once guided the couple back home each evening.

Susan Hough, the article's author and a scientist in the U.S. Geological Survey's Earthquake Hazards Program, said there's a down-to-earth explanation for the phenomenon. (Or more accurately, a below-the-earth explanation.)

Running under Summerville there is a fault line, fittingly named the Summerville Fault. After researching the fault for other studies, she noticed a trend. The light sightings tended to coincide with periods of seismic activity in the area. She theorizes that those events might have released gases from the fault line, which then interacted with the static charges from metal along the rail track, creating a light on the horizon.

The quakes, which were too small to be noticed by humans, might explain a significant amount of ghostly activity observed in Summerville at the time.

"Seismology can't really weigh in on whether ghosts are real; that's a whole other kettle of fish," Hough said. "But a lot of the accounts from Summerville just scream earthquake phenomenon, starting with the lights. Then there's other accounts of noises being heard upstairs, doors swinging, people feeling unsettled. They're almost textbook descriptions of shaking that's at the edge of human perceptibility."

The Summerville Light also fits a trope of the ghost that haunts a railroad track, variations of which can be seen in folklore across the world.

"When you start looking around, it turns out there's any number of ghosts wandering around railroad tracks with lanterns looking for severed heads," she said. "There's kind of an epidemic of them."

The trope has a second local example: the Jacksonboro Light. Found in a tiny, unincorporated Colleton County community, that specter shares a lot of similarities with the Summerville Light.

Those lights have also been seen near a railroad, and in an area close to a fault line. Even the stories are similar — although in Jacksonboro it's a preacher who gets hit by a train after using his lantern to search for his lost daughter.

"Why are the ghosts carrying lanterns along railroad tracks?" Hough continued. "It sort of suggests that the railroad tracks are an important ingredient to get the light."

The Summerville Light does have at least one possible connection to a real-world horrific disaster — the great Charleston Earthquake of 1886, which likely was the fault's fault.

Hough, an expert on the 1886 earthquake, noted in a study she co-authored in 2023 that there is no broadly agreed-upon fault line that caused that quake. But her research suggest the Summerville Fault was probably the offender.

The quake is considered one of the worst natural disasters in Charleston's history. Exact death counts vary, but the event claimed the lives of at least 60 people. Around an estimated Magnitude 7, its shockwaves were registered as far away as Wisconsin, according to the USGS.

Cracks and damage caused by the earthquake still can be found in historic structures across the city. Covered in 140 years of plaster and paint, those scars are yet another ghost that haunts the region.

Follow Jonah Chester on Twitter @chester_jonah.

Frequent reports of ‘ghost’ light in South Carolina may be more than myth, study says

Enduring folklore of “ghost lights” haunting a Lowcountry town in South Carolina may be more fact than myth, a new study suggests.However, the so-called “Summerville Light” isn’t the work of a ghost, according to ...

Enduring folklore of “ghost lights” haunting a Lowcountry town in South Carolina may be more fact than myth, a new study suggests.

However, the so-called “Summerville Light” isn’t the work of a ghost, according to Susan E. Hough, a geophysicist with the U.S. Geological Survey.

She suspects it’s a real, but little-understood phenomenon known as earthquake lights, which flash, glow or spark when “deep earth gasses” rise and become electrically charged.

“Lore holds that a strange light sometimes seen in a remote area is a lantern carried by the ghost of a woman who once waited hours for her husband to return,” Hough wrote in a Jan. 22 article in the Seismological Society of America.

“I suggest that many if not all of the anecdotal observations can be most readily attributed to natural phenomena, including earthquake lights from earthquakes that were too small to be felt.”

Summerville is about a 25-mile drive northwest of Charleston, and her theory comes at a time when small earthquakes continue in the region. The U.S. Geological Survey reports there have been 158 documented earthquakes around Charleston since Jan. 1, 2000.

Some scientists believe the continued shaking stems from aftershocks of a devastating 6.7- to 7.3-magnitude quake that hit Charleston 139 years ago.

Tales of Summerville’s ghost light or ghost lantern “began to circulate in the 1950s to 1960s,” Hughes said.

“So pervasive was the lore that (Old) Sheep Island Road became known among local residents as Light Road, with a local stretch of road known today as Old Light Road,” she noted.

Hughes theorizes shallow earthquakes in the Summerville area could be releasing “a water-soluble gas like radon or methane that was then ignited by a spark of static electricity or rock movement.”

Abandoned railroad tracks and even scrap metal could have been a catalyst for the sparks, she said.

Earthquake lights were largely ignored by scientists until photo evidence began to show up in the 1960s.

Even now, the USGS says no one is sure what causes the phenomenon, known as EQL.

“Geophysicists differ on the extent to which they think that individual reports of unusual lighting near the time and epicenter of an earthquake actually represent EQL,” the USGS says.

“Some doubt that any of the reports constitute solid evidence for EQL, whereas others think that at least some reports plausibly correspond to EQL. ... Some reports of EQL have turned out to be associated with electricity arcing from the power lines shaking.”

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South Carolina

March 27, 2024 8:16 AM

'Inclusive' gym coming to Summerville

A new gym, Moe’s Fitness, is coming to 10150 Dorchester Road and owner Britney Mahoney said its uniqueness is in its inclusivity.“Inclusive means that we’re pretty much welcoming anybody, any fitness level,” Mahoney said. “It’s not a CrossFit gym, it’s not geared toward yoga, it’s not geared toward one thing. It is a gym that is there for everybody, so for any fitness level, male, female, younger, or older, we want to make it an atmosphere where you feel comfortable.”Mahoney...

A new gym, Moe’s Fitness, is coming to 10150 Dorchester Road and owner Britney Mahoney said its uniqueness is in its inclusivity.

“Inclusive means that we’re pretty much welcoming anybody, any fitness level,” Mahoney said. “It’s not a CrossFit gym, it’s not geared toward yoga, it’s not geared toward one thing. It is a gym that is there for everybody, so for any fitness level, male, female, younger, or older, we want to make it an atmosphere where you feel comfortable.”

Mahoney explained the gym’s mission is creating a welcoming and empowered environment where members do not feel overwhelmed or scared but are welcomed and empowered to reach their goals.

The gym will have personal trainers on site and online training options via an app, with trainers creating workout plans for members to complete independently. Additionally, the gym will be open 24/7 to accommodate people’s schedules. Screenings to locate imbalances will be available for those interested in corrective exercises to help with problems such as pain.

“Everybody has different lifestyles, and Moe’s is there for every lifestyle, and we don’t want you to skip your workout,” Mahoney said. “We want you to find the time to do it, and we want to be more like a community place where people feel like they can meet people there. They feel like they’re a part of something. Even if they don’t want to come work out, they can have a cup of coffee, maybe hang out, talk to some people, maybe talk to some staff. We want to make it an environment where it’s not just about the fitness part of it. That’s a bonus, but it’s about coming together with people in the community and a centralized spot and helping out other small businesses around the community.”

Mahoney explained the owners would collaborate with local farms for a monthly farmer’s market to support other small businesses. Additionally, they have partnered with natural energy drink and wellness companies.

“We are a family run gym,” Mahoney said. “We both have over 20 years of experience in the fitness industry, and we moved here from New Jersey, so we’re opening a fitness center. We’ve been here for three years and are excited to be a part of the community and help make them fit at any age.”

A soft opening for Moe’s Fitness is scheduled for President’s Day weekend. Memberships are priced on a sliding scale with special pricing for military members, seniors, individuals and others.

For more information, visit the Moe’s Fitness Facebook page.

The ‘Ghost’ Haunting This South Carolina Town Might Have an Earthly Explanation, Scientist Says

In Summerville, South Carolina, a mysterious light has been seen hovering over old railroad tracks. Legend has it, it’s the glow of a lantern lighting the path of a ghost searching for her decapitated husband.Now, a seismologist has offered a scientific explanation for the floating orb: earthquakes. Susan Hough at the United States Geological Survey (USGS) published her idea in a research article late last month in ...

In Summerville, South Carolina, a mysterious light has been seen hovering over old railroad tracks. Legend has it, it’s the glow of a lantern lighting the path of a ghost searching for her decapitated husband.

Now, a seismologist has offered a scientific explanation for the floating orb: earthquakes. Susan Hough at the United States Geological Survey (USGS) published her idea in a research article late last month in Seismological Research Letters.

Hough was studying the area’s seismology, scouring old records with references to the “Summerville Light,” while trying to pinpoint the source of the destructive 1886 earthquake in Charleston. Then, she read a Halloween-themed USGS newsletter on spooky science.

“That sparked—so to speak—an idea that had been in the back of my mind, working on Charleston, that I had never really even thought too much about,” says Hough in a statement from the Seismological Society of America. “What about those ghost stories from Summerville?”

Hough suggests the town’s paranormal legends actually point to earthquakes. She noticed that many of the local “ghost sightings” coincided with periods of seismic activity.

“People said their cars would shak? violently. Well, that’s an earthquake,” Hough says to Science’s Richard Stone. “They heard noises upstairs, whispers. Or doors would swing. Seismic events we may not perceive as earthquakes fit some of these accounts. And glowing orbs that would hang in the air along a former railroad track. Well, that makes you think earthquake lights.”

Earthquake lights are mysterious phenomena that have been observed around the world, but scientists still don’t have a clear idea of what causes them. Some have proposed that seismic activity deforms minerals in the Earth, creating an electrical charge that can lead air molecules to glow. Another theory is that they’re related to the release of gases like radon or methane, which can ignite when they’re exposed to a spark of static electricity. Hough believes the railroad tracks, in particular, are the key to Summerville’s ghosts.

“Historically, when [rail companies] replaced tracks, they didn’t always haul the old track away. So, you’ve got heaps of steel out there. Sparks might be part of the story,” Hough says to Science. “And maybe the railroads are important for another reason. They may naturally follow fault lines that have carved corridors through the landscape.”

That could explain why so many ghost stories—even beyond Summerville—involve lights over railways, she adds. “When you start looking around, it turns out there’s any number of ghosts wandering around railroad tracks with lanterns looking for severed heads,” says Hough to Jonah Chester at the Post and Courier. “There’s kind of an epidemic of them.”

Recognizing this connection could help scientists find seismic zones that have gone unrecognized so far. Following similar ghost stories in other regions could point to areas with a low level of earthquake activity that had only been noticed through earthquake lights, per the statement.

Earthquakes are “an appealing explanation for these ghost stories,” says Will Levandowski, a geophysicist with the consulting company Tetra Tech who was not involved in the study, to Carolyn Wilke at the New York Times.

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Sara Hashemi | READ MORE

Sara Hashemi is a science writer and fact-checker currently based in New York City. Her work has appeared in Sierra, The Body, Maisonneuve magazine and more.

Filed Under: American South, Chemistry, Earth Science, Earthquakes, Geology, Mysteries, New Research, Trains

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