health insurance agent in Summerville
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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 Team 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 Team, 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 Team. 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.
Who We Serve
At the Health Insurance Solutions Team, 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 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.
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 Team 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 Team 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 Team, 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:
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 Summerville 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 Team 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 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.
Latest News in Summerville
Help still wanted as the number of new businesses skyrocket
SUMMERVILLE, S.C. (WCSC) - The middle of a pandemic doesn’t seem like the best time to try to start a business, yet more and more entrepreneurs are doing just that. They’re leaving their long-time jobs for new opportunities to make more money, find a dream job or simply gain more freedom and flexibility.Rebecca Collett made the decision to start her own public relations and videography business in Summerville during the pandemic. She says the last two years have been a wake-up call for how important it is to have flexibili...
SUMMERVILLE, S.C. (WCSC) - The middle of a pandemic doesn’t seem like the best time to try to start a business, yet more and more entrepreneurs are doing just that. They’re leaving their long-time jobs for new opportunities to make more money, find a dream job or simply gain more freedom and flexibility.
Rebecca Collett made the decision to start her own public relations and videography business in Summerville during the pandemic. She says the last two years have been a wake-up call for how important it is to have flexibility at work, especially given the disruption COVID-19 has had on schools.
“Women have so much to offer, especially moms and we shouldn’t be marginalized and cut out of the workforce because we have children to take care of,” Collett said. “You can be a great mom and take care of your children and still contribute to the workforce and that’s what owning my own business has been about.”
Flexibility and the ability to work from home is becoming a more and more desired perk of any job. Collett says she believes there’s a shift in business happening right now that’s creating opportunities for ambitious entrepreneurs.
“I think companies realized they had to change the way they were doing business. Some of the roles that I have secured for myself and for my business were actual positions within companies that now they just contracted out to me,” Collett said. “It is so important that to me that I have the flexibility of working, using my skills set, using my degree and all of my experience but I can still do drop off and pick up with my kids.”
This “great reshuffling” of priorities is leading more people into the workforce, just not back into traditional jobs. Rita Berry, president and CEO of the Chamber of Commerce in the Summerville area says despite having more people employed than before the pandemic, businesses across almost all sectors are still struggling to get fully staffed.
“It’s not that people are sitting home collecting unemployment,” Berry said. “A lot of people are taking this opportunity to either become entrepreneurs, to work remotely. In addition to that, there’s also been an increase in retirees, a lot of the baby boomers are retiring. And at a much larger pace than they were pre-COVID-19.”
Data from the United States Bureau of Labor Statistics shows the number of people quitting their jobs hit a 20 year high in 2021. Despite the number of people quitting their jobs, there were more than 5,000 more people in the workforce in 2021 than in 2019 for the Charleston Metro Area. At the same time, the number of new businesses applications has skyrocketed 40 percent.
“Where there’s change, there’s opportunity,” Berry said. “So we’re seeing people who have, perhaps considered doing something on their own, taking this opportunity to reconsider their traditional work schedule, their work environment and take this opportunity to become an entrepreneur and just start their own business.”
The sectors in the economy bleeding the most workers are professional services and hospitality. Berry says businesses can shore up retention and even attract new employees by increasing wages, reducing education requirements and offering sign-on bonuses.
Copyright 2022 WCSC. All rights reserved.
Summerville to use COVID relief funds to help with home repairs for low-income residents
SUMMERVILLE — Town officials plan to use thousands of dollars in federal COVID relief funding to help low-income residents with home repairs.The town of Summerville is expected to receive nearly $8 million through the American Rescue Plan. It’s a more than $1 trillion federal stimulus package that’s meant to support economic recovery efforts during the COVID-19 pandemic.The town has already allocated over $500,000 in ARP funds toward a mental health crisis program and more than $1.3 million for premium pay for...
SUMMERVILLE — Town officials plan to use thousands of dollars in federal COVID relief funding to help low-income residents with home repairs.
The town of Summerville is expected to receive nearly $8 million through the American Rescue Plan. It’s a more than $1 trillion federal stimulus package that’s meant to support economic recovery efforts during the COVID-19 pandemic.
The town has already allocated over $500,000 in ARP funds toward a mental health crisis program and more than $1.3 million for premium pay for essential workers.
During a Jan. 13 Summerville Town Council meeting, officials voted to allocate $225,000 toward home repairs and weatherization in low- and moderate- income communities.
Councilman Aaron Brown said that although Summerville is a great town, there are pockets of poverty. “This is something that we could use this money for,” he said.
Originally, around $125,000 of those funds was intended to be used for a workforce housing program through the town. It was initially pitched as a project that would help town employees with becoming homeowners.
After having trouble settling on a third-party entity to oversee the program, the council voted to allocate the $125,000 to the home repairs initiative instead.
This increased the support for that initiative from $100,000 to the now $225,000.
Brown and other officials saw it as a better decision since they know it’s something a lot of people could benefit from. But the approval of use of those funds is contingent on the town organizing a contract with the Dorchester Habitat for Humanity.
Habitat is a nonprofit that helps low-income families attain homeownership. Ideally, the organization would be the one to oversee the program and decide what families could benefit from the home repairs.
Council members said they didn’t think it would be appropriate for the council to make that decision.
“That would get us in trouble,” said Summerville Mayor Ricky Waring.
If a contract with Habitat can’t be negotiated and a third-party organizer can’t be found, then the money will not be allocated to the home repair program.
Dorchester Habitat for Humanity did not respond to requests for comments.
The council is considering some other projects to fund with the federal aid, including $500,000 to help build a homeless shelter with Dorchester County Community Outreach. It is also weighing allocating around $100,000 toward improvement grants for downtown merchants.
During the Jan. 13 meeting, Daniel Prohaska, the president and CEO of Lions Vision Services, suggested the council use the money to support local nonprofits.
Lions Vision Services is a statewide nonprofit that supports communities in need of access to vision-related health care.
Prohaska suggested using the money to offer grants to nonprofits, for example.
“The nonprofit sector could strongly benefit (from the ARP funds),” he said.
Town officials are still determining how to use the funds. The current plans are for the first disbursement, or half of the nearly $8 million in COVID relief dollars.
The other half is expected to be allocated later this year.
Dorchester Habitat for Humanity expands annual women build to whole month
SUMMERVILLE — Dorchester Habitat for Humanity is aiming for at least 200 women to work on one of its upcoming homes.Every year, around International Women’s Day in March, Habitat celebrates its annual Women Build. It’s typically a daylong or weeklong program where local women volunteers get to work on one of the homes for a Habitat recipient.The program also acts as a fundraiser, with volunteers paying to participate in the event.This year, Dorchester Habitat has opted to expand the event by moving it u...
SUMMERVILLE — Dorchester Habitat for Humanity is aiming for at least 200 women to work on one of its upcoming homes.
Every year, around International Women’s Day in March, Habitat celebrates its annual Women Build. It’s typically a daylong or weeklong program where local women volunteers get to work on one of the homes for a Habitat recipient.
The program also acts as a fundraiser, with volunteers paying to participate in the event.
This year, Dorchester Habitat has opted to expand the event by moving it up from March to February and making it a monthlong celebration. Seventy volunteers worked on last year’s house.
“We just blew it out of the water last year,” said Moriah Hollander, development director for Dorchester Habitat for Humanity. “Now it’s a month.”
Habitat for Humanity is an organization dedicated to helping people attain affordable homeownership. Many of the recipients are often single mothers who wouldn’t be able to afford a home without additional support and guidance from Habitat.
Dorchester Habitat has built more than 70 homes in the last 26 years. Before the pandemic, it was averaging about five homes a year. In the last two years, with issues like construction delays, it’s been closer to between one and three.
But in 2021, Dorchester was able to raise around $5,000 through the Women Build event. Hollander said she believes the big turnout had to do with timing.
Many residents had been cooped up in their homes during the pandemic and were looking for opportunities to get out.
She also said the program ends up being a lot of fun for the women involved. She compared it to a girls day out without the shopping. Participants usually end up learning a lot about construction, she said.
“You can ask questions, make mistakes,” she said. “That just makes it a little more fun.”
Amy Hicks, a Summerville resident, caught the Habitat home building bug after attending the Women Build event last year.
She said for years she wanted to volunteer with Habitat but couldn’t due to health reasons. During the pandemic, she got in shape and in 2021 felt healthy enough to participate in the Women Build.
“I enjoyed it so much that I decided to continue,” she said.
She joined a group called the Faithful Few that routinely works on Habitat homes throughout the year. According Hicks, she is one of the only women who is part of the group.
The Women Build event ended up being an opportunity for her to be around other women and learn from them, as well as from Habitat staff.
It was “rewarding” to do something most people think only men can do, she said.
Hicks is planning to get more women involved. This year she invited a friend to go to the event with her.
Beyond that, what really keeps her coming back are the home recipients.
“It’s encouraging to keep working and know that you’re doing this for someone who is in need of affordable housing,” she said.
Those receiving a home through Habitat have to complete more than 400 volunteer or sweat equity hours. So typically volunteers work alongside the future homeowner.
Michele Scibetta’s new home will be the focus for the Women Build. It will be nearly completed by the end of February. Scibetta is a single mother to 7-year-old Joseph.
She learned about Habitat from a friend after realizing she wouldn’t be able to afford a home on her own. Mortgage payments through Dorchester Habitat average around $650 a month.
Having participated in last year’s Women Build, Scibetta said she is excited and grateful that her home will be the focus this year. She said she has learned so much from other women at the event and Habitat staff.
She’s also excited about having her own washer and dryer and seeing her son play in the backyard.
“I’m almost speechless that this is happening,” Scibetta said. “As the steps go on, it hits you.”
This year, Hollander said the goal is to get close to $5,000 again in fundraising while recruiting even more women to participate.
To learn more about the Women Build event, people are encouraged to go the website at dorchesterhabitat.org. If a group of women wants to sign up or a business wants to sponsor, they can email firstname.lastname@example.org.
Around 130 women have currently signed up.
“Every time I volunteer, I learn something,” Scibetta said.
Summerville woman looking for answers after Walmart gift card scam
SUMMERVILLE, S.C. (WCBD) – A Lowcountry woman is looking for answers after she said a Walmart gift card she received, ended up being a scam.Alicia Windham is a mother of three, who lives in Summerville. She said her father gave her a $100 Walmart gift card for Christmas. Windham said the card was purchased at the Walmart located on Saint James Avenue in Goose Creek on December 8th.Windham told News 2, she tried to use the gift card the day after Christmas, but to her surprise, she said it had no money on it....
SUMMERVILLE, S.C. (WCBD) – A Lowcountry woman is looking for answers after she said a Walmart gift card she received, ended up being a scam.
Alicia Windham is a mother of three, who lives in Summerville. She said her father gave her a $100 Walmart gift card for Christmas. Windham said the card was purchased at the Walmart located on Saint James Avenue in Goose Creek on December 8th.
Windham told News 2, she tried to use the gift card the day after Christmas, but to her surprise, she said it had no money on it.
“I got a bunch of stuff because there was supposed to be $100 on the gift card,” said Windham. “Thank God I had some other money on me because the lady slid the card twice and she said ‘Ma’am, this has zero balance.’”
After that, Windham said she went to Customer Service, where they told her the gift card was already been used multiple times in other states. They printed her a receipt with the card’s purchase history.
Windham reached out to Walmart to see what could be done to get the money back.
Windham shared Walmart’s response with News 2. The email from the retailer read:
“We have reviewed your inquiry. Unfortunately, we have determined that your case does not fall under the terms and conditions of a compromised gift card. We are unable to refund or replace this card.”
The email continued, “Walmart is not liable for lost, stolen or compromised funds.”
Bailey Parker with the South Carolina Department of Consumer Affairs said this is one way scammers target gift cards.
“They will actually take the cards and they’ll copy the numbers off the back. They’ll even copy the pin,” Parker explained.
She said after that, the scammers will attempt to use the card repeatedly until it goes through, which is when it has been purchased.
When purchasing a gift card, Parker said there are a few ways consumers can avoid being scammed.
She said to make sure the gift card hasn’t been tampered with. Another tip is to buy gift cards that are behind the counter, if available.
Parker said it’s best to use gift cards sooner, rather than later. She said if they are being purchased as gifts, they should be bought last minute. The last tip is to register the gift card if the option is there.
News 2 reached out to Walmart. While they didn’t provide a statement, they said they would contact Windham.
Summerville shopping center sells for nearly $26M
You’re seeing The Post and Courier’s weekly real estate newsletter. Receive all the latest transactions and top development, building, and home and commercial sales news to your inbox each Saturday here.Another Charleston-area ...
You’re seeing The Post and Courier’s weekly real estate newsletter. Receive all the latest transactions and top development, building, and home and commercial sales news to your inbox each Saturday here.
Another Charleston-area shopping center recently changed hands at nearly twice the price paid for it eight years ago.
Greensboro, N.C.-based Koury Corp. bought the Harris Teeter-anchored Sawmill Village Shopping Center at 680 Bacons Bridge Road in Summerville on Dec. 16 from Ferncroft Capital of Charlotte for $25.7 million, according to Dorchester County land records.
Ferncroft bought the 13.5-acre retail site in 2013 for $13.46 million, according to property records.
The commercial transaction comes a few days after Stiles Corp. of Fort Lauderdale, Fla., sold the less-than-three-year-old, Publix-anchored Point Hope Commons Shopping Center in Charleston for almost $29 million.
The buyer of the retail center in the sprawling Cainhoy Plantation development on Clements Ferry Road was an affiliate of Prudential Real Estate Advisors of Madison, N.J., according to Berkeley County land records.
Another newly built Charleston apartment building changed hands in December while a Charlotte firm plans to transform a North Charleston office building after paying more than $6 million for the highly visible site beside Interstate 26.
3: Number of new restaurants now open or on the way in Charleston, North Charleston and Pringletown in Berkeley County.
52: The number of the U.S. highway that runs through Goose Creek and Moncks Corner. The Berkeley County corridor is being studied to form a blueprint for future growth.
111,175: Number of homes sold across South Carolina through November, breaking last year’s record sales in 11 months.
+ Moving on: Brian Hicks writes The Jasper, an upscale project several years in the making on Charleston’s southern peninsula, is open for business and 99 percent occupied as the controversy and legal fight surrounding its construction is in the rearview mirror.
+ Policy shift: North Charleston is reconsidering its short-term vacation rental policy.
+ Law school lawsuit: The Charleston School of Law is suing the city of Charleston, alleging it is holding up a nearly $13 million land sale to a hotel developer.
Slim Chickens is a fast-casual restaurant chain based in Fayetteville, Ark. Franchisees plan to open nine new restaurants in eastern South Carolina, in Charleston, Florence and Myrtle Beach.
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