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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 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.
Service Areas
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.
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.
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 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.
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 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.
Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in Summerville, SC
Summerville residents ‘ghosted’ after paying thousands for a new roof
Erin Morganhttps://www.counton2.com/news/the-investigators/summerville-residents-ghosted-after-paying-thousands-for-a-new-roof/
SUMMERVILLE, S.C. (WCBD) — Several people across the Lowcountry are reporting a similar experience after paying to have their roofs replaced on their homes, handing over the money, and then hearing nothing back.After a strong storm moved through the area of the summer, homeowners in Summerville were told their roofs were damaged by hail. It came after severe weather moved through Dorchester and Berkeley counties in June, damaging homes, knocking over trees and leaving behind a path of debris.Ellen Davis said the storm cle...
SUMMERVILLE, S.C. (WCBD) — Several people across the Lowcountry are reporting a similar experience after paying to have their roofs replaced on their homes, handing over the money, and then hearing nothing back.
After a strong storm moved through the area of the summer, homeowners in Summerville were told their roofs were damaged by hail. It came after severe weather moved through Dorchester and Berkeley counties in June, damaging homes, knocking over trees and leaving behind a path of debris.
Ellen Davis said the storm clean-up brought sales representatives from several roofing companies to her door.
“Just wanting to do a free estimate of potential hail damage from the storm,” she explained.
Davis said her roof had other issues and she decided to call the company Orange Elephant Roofing, after seeing her neighbor speaking to them.
“I spoke to the salesman, he came back the very next day and he asked if he could please get on my roof and do a free inspection,” she said. “Since I already had this other damage I finally allowed him onto the roof and that’s when he found the hail damage.”
A claim was filed with her insurance company and at the end of August she gave Orange Elephant Roofing the insurance check which totaled a little more than $20,000.
Davis said the general manager and sales representative came back to get the check. They told her they would begin the work in October. However, in mid-September, Davis said she started to see some red flags.
‘i reached out to my salesperson and he then informed me that he no longer worked for the company,” she recalled. “He also proceeded to send me a text showing me that their HR Department said we would not be making payroll this week.
Davis said the last time she heard from the company was in early November.
“The general manager spoke to me he told me that my roof would be being done on November 1st,” she said. Shortly after that, I did get a text from him ‘didn’t work for the company anymore, so sorry’ — that would probably be the last time.”
As it turns out, Davis wasn’t the only one. She found out that her neighbor, Lachelle Brooks, was dealing with the same problem.
“We turned a check over to them and we have not heard anything since then.”
Brooks said her insurance company agreed to pay for half of the work upfront and the other half once the job was complete. She handed over a check for $6,500, and like Davis, has not heard back.
“August is when I should be ready to hear from everyone about the new roof, I contacted someone late August and they were like ‘Oh no, we have you on the schedule for February 2025,” Brooks explained. “I was like ‘I wouldn’t have went with you guys — can I get my money back?’ And he goes ‘I understand your frustration but we are gonna try to work it out so you can get everything done in September.’ But didn’t hear anything after that.”
Davis and Brooks said their insurance companies are not getting involved, and they have not been able to contact Orange Elephant Roofing as several employees have left the company.
News 2 tried calling two numbers listed for Orange Elephant and neither call went through. We are told no one is available at their King Street location either.
However, Orange Elephant is currently being sued over debts they owe. On October 31, Gulfeagle Supply, a roofing and building product distributor, filed a lawsuit for breach of contract accusing Orange Elephant of failing to pay for materials totaling nearly $18,000.
As for Brooks and Davis, they are frustrated and hope they can get their money back. Davis said the situation will also change the way she does business moving forward.
“Probably let my guard down by letting someone come to my front door and I probably should’ve reached out to a roofing company myself and maybe looked around more around my neighbors and asking them who they used,” Davis said. “I really want my money back and I want to get somebody else to do my roof.”
Another roofing company is now stepping up to help those who are in similar situations with Orange Elephant Roofing. Patriot Roofing said they will do the work at cost for anyone who can provide proper documentation.
Summerville Italian Feast brings in funding for Dorchester Dist. 2 schools
Carlie Bakerhttps://www.live5news.com/2024/11/11/summerville-italian-feast-brings-funding-dorchester-dist-2-schools/
Updated: Nov. 11, 2024 at 4:59 PM PSTSUMMERVILLE, S.C. (WCSC) - The 12th annual Summerville Italian Feast raised a record number of funds this year that all go directly back into the classrooms of Dorchester School District Two.The event and executive director for the Summerville Italian Feast, Jay Lombardo, said that the goal has always been to try and increase how much they are able to provide each year to support the school district.“Our first year we had approximately seven vendors and maybe one thousand people...
Updated: Nov. 11, 2024 at 4:59 PM PST
SUMMERVILLE, S.C. (WCSC) - The 12th annual Summerville Italian Feast raised a record number of funds this year that all go directly back into the classrooms of Dorchester School District Two.
The event and executive director for the Summerville Italian Feast, Jay Lombardo, said that the goal has always been to try and increase how much they are able to provide each year to support the school district.
“Our first year we had approximately seven vendors and maybe one thousand people showed up. This year we had 108 vendors and we estimated a crowd of somewhere between 15,000 and 17,000 people in a one-day period,” Lombardo said.
Lombardo said this year they were able to give back $40,000 to the Dorchester Two Educational Foundation, a non-profit whose mission is to support the students and teachers in Dorchester School District Two.
He said that the total includes proceeds from the Italian Feast portion of the event as well as their Second Annual Meatball Run.
“We had hoped to always increase year after year. My goal, it would’ve been nice to give them a fairly good size check. We’re not going to be able to give them a good size check, we’re going to give them a phenomenal check. We’re going to give them a check for $40,000 this year,” Lombardo said.
Lombardo said that is more than double what they were able to raise last year which was $15,500.
The Meatball Run is something that was added last year. Lombardo said last year they had about 220 runners participate and this year they doubled that number to 440.
The executive director for the Dorchester Two Educational Foundation, Ralph Hayes, said that events like this one are crucial for the school district for the success of their teachers and students because of the lack of funding.
He said that they take the money raised from the event and use it towards classroom teacher projects.
“The teachers will reach out and say this is something I want whether it’s a STEM kit, or a reading initiative, or an art set, and these are things that are not covered by traditional funding,” Hayes said. “Dorchester Two is the fifth lowest funded school district of over eighty school districts in South Carolina and that makes partners like the Summerville Italian Feast, who are investing in our kids, absolutely vital.”
Hayes will be awarding Lombardo and his team with a trophy at the school board meeting on Monday for their hard work and contributing more than $100,000 to District Two over the last decade.
Hayes said that they had people come from all across the state to participate in the event. He highlighted that the growth wouldn’t be possible without the help from their students providing entertainment as well as volunteering.
“We’re excited to see that we are a staple of the local community, but we’re also providing a resource that is having people come in to see all of the wonderful things that Dorchester County has to offer. From the food, from the artists to our wonderful students, and also to the amazing volunteers like Jay and the Italian Feast team who help put on this event,” Hayes said.
Lombardo said that next year’s Meatball Run is going to be on Oct. 11 and the Italian Feast will be on Oct. 12.
Hayes said that the Dorchester Two Educational Foundation has a free moonlit movie night event coming up on Dec. 14 at McKissick Stadium featuring crafts, games and a holiday movie. You can find more information on their Facebook page.
Copyright 2024 WCSC. All rights reserved.
Election 2024: Fernandez, Stephens battle for SC Senate District 39 seat
Brandon Robertshttps://www.postandcourier.com/journal-scene/community-news/election-2024-fernandez-stephens-battle-for-sc-senate-district-39-seat/article_58356efa-9500-11ef-bf0b-5f772206e335.html
Editor's note: In collaboration with the Summerville Journal Scene, the Greater Summerville/Dorchester County Chamber of Commerce hosted a candidate forum to provide a platform for candidates in races impacting Dorchester County to share their positions on key local issues. The event occurred Tuesday, Oct. 22, at Faith Sellers Senior Center in Summerville. The following information was compiled from that event.Tom Fernandez (R)Limited Government: Advocated for minimal governmen...
Editor's note: In collaboration with the Summerville Journal Scene, the Greater Summerville/Dorchester County Chamber of Commerce hosted a candidate forum to provide a platform for candidates in races impacting Dorchester County to share their positions on key local issues. The event occurred Tuesday, Oct. 22, at Faith Sellers Senior Center in Summerville. The following information was compiled from that event.
Tom Fernandez (R)
Limited Government: Advocated for minimal government intervention, stressing that the government should avoid economic matters.
Workforce Development: Argued that building the workforce is not the government's responsibility. Businesses thrive by lowering taxes and removing regulations.
Affordable Childcare: Opposed subsidizing affordable childcare, instead calling for the removal of red tape to allow businesses to succeed.
Permitting: Called to eliminate unnecessary permitting processes, suggesting a one-by-one approach to eliminate them.
Improving Schools: Supported school choice, advocating for parents to have the freedom to choose how to educate their children.
Closing Remark: Emphasized that the country, state, and county are in trouble and called for senators with the courage to say "no" to wrongdoers. Fernandez positioned himself as a servant to the people, ready to stand up for what's right.
Summary: Fernandez stressed the need for minimal government intervention. He stated that the government should not be involved in workforce development and the best way to support businesses is to lower taxes and eliminate regulations. Fernandez opposed subsidizing affordable childcare, believing removing red tape would allow businesses to flourish. As for permitting, he called for the removal of unnecessary processes to streamline business operations. He also advocated for school choice, urging that parents should have the freedom to decide how to educate their children. In his closing remarks, Fernandez highlighted the challenges facing the country, state and county, calling for strong senators who can stand up to wrongdoing and offering himself as a servant to the people with the courage to do just that.
For more information, visit tomfernandezforsenate.com.
Vernon Stephens (D) (incumbent)
Continuity in Senate: Emphasized the importance of staying in the Senate to complete the initiatives he has already started.
Workforce Development: Leveraged his background working with schools and industries to implement training programs to improve the workforce and enhance the educational system.
Childcare: Stressed the importance of ensuring daycare facilities meet standards and supported individuals wanting to establish daycare centers.
State Permitting: Highlighted the dismantling of DHEC as a step toward expediting the permitting process.
Education: Advocated for retaining quality teachers and engaging parents in the education system to improve education in South Carolina.
Closing Remark: Urged voters to reelect him, promising to stand for their rights, listen to their voices, vote accordingly, and work across party lines.
Summary: While running for re-election in District 39, Vernon Stephens emphasized the importance of continuity in the senate to finish the work he had begun. With a background in education and industry, he discussed his efforts to implement training programs to improve the workforce and address educational needs. Stephens also highlighted the necessity of maintaining daycare facilities' standards while supporting those wanting to establish new childcare centers. He pointed to the dismantling of DHEC to expedite the state permitting process. He stressed the need for retaining quality teachers and increasing parent engagement in education. In closing, Stephens pledged to stand for people's rights, listen to their concerns and work across the aisle to make meaningful progress.
For more information, visit www.stephensforsc.com/.
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