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 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.
Who We Serve
At the Health Insurance Solutions, our mission is to educate and empower our clients so that they can get the best access to medical care possible. Because everyone has their own unique set of needs when it comes to health plans, we serve a wide range of clients.
Individual plans, also called personal health plans, are health insurance policies that you can purchase solely for yourself. When you work with Health Insurance Solutions, your health insurance agent in 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 will find a plan that caters to your current needs and future endeavors. Common health insurance plans for self-employed people include vision, life, dental, and stand-alone prescription coverage. We also offer major medical, supplemental, short-term, and fixed-benefit plans at a range of prices that you can afford.
Offering health insurance to your employees is one of the best ways to keep your team happy and attract diligent workers to your company. If you are a business owner who wants to provide health insurance to your employees but cannot do so because the cost of benefits is too high, worry not. Our experienced health insurance agents will work directly with your employees to help them find the coverage they can afford. We also offer hybrid plans that can be customized so that both you and your employee's needs are met. Whether you need a major medical package or voluntary benefits only, the Health Insurance Solutions has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.
If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler's insurance can help minimize expensive cancelation fees and costs.
Most Popular Types of Coverage
Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions, we will provide you with a trusted health insurance agent in 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 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, SC
Man confronts Summerville mayor over new public safety drone program
SUMMERVILLE, S.C. (WCBD) – Summerville unveiled its new drone program on Wednesday but some in the community are not thrilled about the new public safety initiative.The town held a live demonstration for the new drone program, during which a man said he had some questions and concerns related to how money would be allocated along with privacy issues.“You read in the newspaper and different things about how bigger cities are defunding their public safety department. Well, I want to say this- we are not defunding our ...
SUMMERVILLE, S.C. (WCBD) – Summerville unveiled its new drone program on Wednesday but some in the community are not thrilled about the new public safety initiative.
The town held a live demonstration for the new drone program, during which a man said he had some questions and concerns related to how money would be allocated along with privacy issues.
“You read in the newspaper and different things about how bigger cities are defunding their public safety department. Well, I want to say this- we are not defunding our public safety department, we’re funding them,” said Summerville Mayor Ricky Waring during Wednesday’s event.
Summerville presented two new drones, which make up the town’s first drone program. They plan to use them for search and rescue missions.
Mayor Waring even mentioned how they could help locate a missing child much faster, possibly preventing tragedies similar to a drowning that happened earlier this year.
But one gentleman in the audience spoke up and asked Mayor Waring for more specific numbers. How much is the town currently paying to use helicopters in searches versus how much will the new drone program cost?
“I was fire chief for 25 years … and we’ve called in helicopters numerous times over the 25 years, numerous times,” he said in response to the man.
“Well give me, numerous is just a very broad term,” the man responded. “It’s squishy, doesn’t mean anything.”
“What do you want?” Mayor Waring asked.
“I want specifics, I want once every six months we call in a helicopter and that helicopter cost $50,000 and this drone program is worth $1,000. You know, something in that realm would be actually real specific information,” the man said.
When Mayor Waring said the man didn’t understand public safety, words got a bit heated.
“He doesn’t understand public safety,” said Mayor Waring during the demonstration.
“I tell you what, thank God you’re not running again,” he replied.
The town’s operator also flew the two drones on demonstration flights to show everyone its capabilities. The drones have technology on them to help find people at night.
Drone operators said with the two batteries they have, they can keep the drone in the air for at least an hour and a half, but since the drone battery could be recharged, it could basically be used for many hours in a row if needed.
Summerville tract sells for nearly $17M to Virginia firm; new Charleston apartments open
Warren L. Wise firstname.lastname@example.org://www.postandcourier.com/business/real_estate/summerville-tract-sells-for-nearly-17m-to-virginia-firm-new-charleston-apartments-open/article_614aa1c4-f806-11ed-983e-f7f825fd4d15.html
A large Berkeley County tract near the Summerville area’s industrial real estate epicenter recently sold for nearly $17 million.Rushmark Properties paid $16.8 million ...
A large Berkeley County tract near the Summerville area’s industrial real estate epicenter recently sold for nearly $17 million.
Rushmark Properties paid $16.8 million in late May for about 300 acres along Interstate 26 southwest of Jedburg Road and north of Dawson Branch Road, according to public land records.
The largest chunk of land in the transaction — about 263 acres — was sold by North Charleston Lands Corp. for about $15.3 million. A group of smaller adjoining parcels made up the remainder of the deal.
The property is just west of a parcel off Woodhill Patch Lane near Jedburg Road that was sold for $5.75 million in October to an affiliate of Camping World.
A representative of Rushmark did not respond to a request for comment about the plans for its newly acquired property.
The Falls Church, Va.-based firm has been active in the local market for years. Among Rushmark’s previous commercial real estate holdings was a part ownership with Charleston developer and investor Frank Haygood in the S.H. Kress & Co. building at 281 King St. on the peninsula. They sold the art deco-style structure for $19.5 million in 2019.
A new apartment development is now open on the Charleston peninsula.
Quarterra Multifamily, a subsidiary of single-family homebuilding giant Lennar Corp., and Cresset Partners last week announced the completion of the 303-unit Cormac Apartments where Morrison Drive meets Meeting Street Road.
The rental complex has studio to two-bedroom apartments with monthly rates ranging from $1,500 to $4,000. Residents have access to a controlled-access, three-story, above-grade garage as well as on-street parking and 19 electric-vehicle charging stations.
The complex also features an eighth-floor rooftop terrace with a butler kitchen. Three elevated courtyards can be found on the fourth floor, including one with a pool and clubhouse.
Cormac also includes 13,068 square feet of retail space and a pair of public ground-level courtyards. The moniker comes from the birth name of 18th-century pirate Anne Bonny, who may have lived in Charleston as a child.
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The company behind a Berkeley County tract as big as the Charleston peninsula is adding its own homebuilder to the lineup of companies already doing business at the site.
Brookfield Residential, which acquired Newland, the former developer of the 5,000-acre Nexton project near Summerville in 2021, plans to build a new collection of townhomes in the mixed-use community as its first project in South Carolina.
The builder is an affiliate of Brookfield Properties, which invests in logistics, hospitality and retail assets. Among its holdings is Columbiana Centre in the Midlands.
The Nexton townhomes will be built in the Midtown neighborhood. The 1,600-square-foot, two-story, three-bedroom properties will be priced starting in the mid-$300,000s.
They also can be outfitted with extra driveway space and a one- or two-car garage. Pre-sales will begin mid-summer with a model residence opening later this year.
Summerville designer Gray Benko and family are stars of new home renovation TV series
Summerville designer Gray Benko and her family are on a quest to bring color and life back to historic spaces in the Charleston area. It’s a feat they are accomplishing head-on in a new TV series called “Happy to be Home with the Benkos.”In six episodes, Gray Benko teams up with her craftsman husband, Mike Benko, and her father, Joe “Grumpy” Highsmith, to renovate portions of six historic Charleston-area homes.Each episode features a different house that dates back at least 100 years. The idea is t...
Summerville designer Gray Benko and her family are on a quest to bring color and life back to historic spaces in the Charleston area. It’s a feat they are accomplishing head-on in a new TV series called “Happy to be Home with the Benkos.”
In six episodes, Gray Benko teams up with her craftsman husband, Mike Benko, and her father, Joe “Grumpy” Highsmith, to renovate portions of six historic Charleston-area homes.
Each episode features a different house that dates back at least 100 years. The idea is to add color, texture and fun to each one while breaking away from the “stereotypical farmhouse concept that has been so popular for so long,” said Mike Benko.
Most of the renovated spaces are ones the homeowners were unhappy with. They were either looking for a change, or the space needed some sort of structural or construction work.
The crew works to salvage the integrity of each home’s history while adding the flair of Gray Benko’s designs. Once complete, most of the spaces are revived from floor to ceiling with brand new construction, vibrant colors and patterns, antique furniture and fixtures from local shops.
Each member of the trio has their own rule in the renovations. Gray, who is also a photographer, is responsible for the designs. Highsmith, a general contractor from Hilton Head Island, oversees the construction. And Gray describes her husband, Mike, as a renaissance man who’s “like a jack-of-all-trades kind of guy.” He completes a personalized, special project for each homeowner.
Gray, a Lowcountry native, said her family’s passion for this work likely stems from living in historic homes for so many years. They’ve renovated their own homes, “and that’s kind of how this whole things started,” she said.
“I did our houses, people saw it on my Instagram, loved it and then started asking me for help with their house,” she said. “And then it all turned into this whole TV show thing, and here we are.”
“Happy to be Home with the Benkos” airs on the Magnolia Network, which features original shows curated by Chip and Joanna Gaines, the stars of the hit home renovation TV series “Fixer Upper” and owners of the Magnolia home brand. The show can be streamed on HBO Max and Discovery+, too.
Since the Benkos utilize local businesses to help with the renovations, many Lowcountry faces are seen on the show, too, like Charleston upholsterer Kelvin Moultrie of Carolina Auto Trim, seamstress Elizabeth Wheaton of Wheaton Whaley Home and designer Sally Bennet of Mirth Studio, among other South Carolinians.
The Benkos are currently taking on new projects in the Summerville and Charleston areas. Homes that are built in the 1920s or earlier are preferred.
“We are looking for people who are not afraid of color, obviously, and who have renovations that they already want to do,” Gray said.
Those who are interested should send an email to email@example.com.
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Enrollment for Goddard Schools Summerville location opens
Enrollment is officially open for interested parents and families to sign up for a new private preschool opening up in the summer of 2024.SUMMERVILLE, S.C. (WCSC) - Enrollment is officially open for interested parents and families to sign up for a new private preschool opening up in the summer of 2024.Goddard Schools Summerville is a unique program focused on behavioral health and well-being through play and inquiry-based training.“Our mission is kindergarten readiness for all of our students,” Goddard School...
Enrollment is officially open for interested parents and families to sign up for a new private preschool opening up in the summer of 2024.
SUMMERVILLE, S.C. (WCSC) - Enrollment is officially open for interested parents and families to sign up for a new private preschool opening up in the summer of 2024.
Goddard Schools Summerville is a unique program focused on behavioral health and well-being through play and inquiry-based training.
“Our mission is kindergarten readiness for all of our students,” Goddard Schools Summerville Co-owner Amy Strickland said. “And we serve families with little ones from 6 weeks up til right before kindergarten starts.”
The curriculum gives kids a chance to learn their own way by using their senses and minds to make early education more engaging and exciting.
“It empowers children to find their voices, ask questions,” Strickland said.
There are hundreds of these programs across the nation, Nexton’s new location being the eighth in South Carolina.
Tuition will vary depending on the age of your children, how many you hope to enroll and what schedules you would prefer.
The school needs final approval before it can begin building the facility. Officials hope to start construction next week.
The school will be located in a developing shopping center on Nexton Parkway and Brighton Park Boulevard.
The area is being built up and occupied by young families.
Some tell me that’s why it is the perfect spot.
One local parent with a former Goddard student says it’s been hard for young families to find childcare resources in the area.
“The Charleston childcare scene is absolutely in a deficit, we really need more and more,” Parent Katie Olejniczak said. “I know a lot of families there that desperately need daycare or desperately need an early childhood development program. And these waitlists are absolutely absurd.”
Olejniczak says the program made a remarkable impact on her daughter’s lifestyle.
“Cam in general loves being around people, loves playing, and she was just in such a positive environment.”
Strickland says it’s the most fulfilling experience she’s had.
“To be able to send 40 kids year after year to kindergarten not scared, not anxious, but happy and confident and ready to take on the world and so excited about school,” Strickland said. If they’re excited about school when they start kindergarten, that really maintains.”
Owners hope to kickstart an office space so that interested families can meet in person and ask questions.
For now, if you’re interested in joining the program as family or staff, you can find out more here.
Copyright 2023 WCSC. All rights reserved.
SC Dept. of Parks, Recreation and Tourism gives grant for tourism in Summerville
SUMMERVILLE, S.C. (WCSC) - The S.C. Department of Parks, Recreation and Tourism recently granted nearly $34,000 to bring more people into Summerville.The town, acknowledged for its charm, history and its people, wants to make sure everyone gets to experience some of the Summerville way.“It feels good to be able to show off our hometown to people who can come visit and vacation here,” Town of Summerville Public Information Officer Chris Makowski said. “And to really see the beauty and the people that are here.&...
SUMMERVILLE, S.C. (WCSC) - The S.C. Department of Parks, Recreation and Tourism recently granted nearly $34,000 to bring more people into Summerville.
The town, acknowledged for its charm, history and its people, wants to make sure everyone gets to experience some of the Summerville way.
“It feels good to be able to show off our hometown to people who can come visit and vacation here,” Town of Summerville Public Information Officer Chris Makowski said. “And to really see the beauty and the people that are here.”
Summerville sees a record number of visitors, sitting at around 250,000 every year and housing more than 50,000 permanent residents.
The town hopes to boost the statewide economy by encouraging tourism and development in the area.
The community shared their thoughts on the funding and what they hope to see come out of it.
One family, planning to move to the area in just a few weeks, was ecstatic.
“As far as bringing tourists in, I do feel like it’s worth it,” future Summerville homeowner Whitney Mourlam said. “It’s just a gem, and it’s worth coming inland a little bit to check it out.”
“It’s a great location, like a little way from the touristy feel but you can really blend in and feel like you’re a local right away,” future Summerville homeowner Mark Mourlam said. “We want to grow our family down here and live everything Summerville has to offer.”
One long-term resident said he enjoys seeing his town thrive, but worries about what it could mean for traffic, infrastructure and the cost of living.
“I’ve watched the growth, and it’s terrific how fast and how large this place has gotten,” Summerville Homeowner John Calvert said. “But you can only build so many apartments and so many subdivisions. We’re running out of space!”
There are no specific projects or plans for the grant.
The Town of Summerville says they want to allocate the money toward marketing campaigns through social media, magazines and the local visitor center, to name a few.
Copyright 2023 WCSC. All rights reserved.