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health insurance agent in West Ashley, SC
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 West Ashley, SC will help you navigate the uncertain waters of the health insurance world. Once we understand the health insurance plan you need, we will explore your options. That way, you can leave our conversation feeling informed about your health insurance options and confident that you are making the best choice possible.
We are proud to have served people just like yourself for more than 15 years at the Health Insurance Solutions. We have helped countless individuals, families, and business owners find the coverage they need at a price that won't send them into bankruptcy. If you know that you need health insurance but don't know how to start or what to look for, we've got good news - you're in the right place.
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in West Ashley, SC provides, we should address the elephant in the room. Everyone regardless of age or health, can benefit from a health insurance plan. Even the healthiest of people want to maintain their health and have protection in the event of a catastrophe. One of the best ways to stay healthy and plan for unexpected events is to visit your doctor for an annual check-up. When you have a health insurance plan, these visits are often fully covered by your insurance carrier when you choose an in-network doctor. Without health insurance, you will be responsible for the full cost of any medical care - even routine check-ups with your primary care physician. If something horrible happens, and you don't have health insurance, you may have to pay the full amount for the emergency care you receive. Even young, healthy individuals can benefit from the right health plan. After all, nobody plans on getting sick or injured, but bad things can happen to anyone. Something unexpected like a broken leg can cost more than $7,000 to treat when you don't have coverage. A three-day stay in a hospital can cost upwards of $30,000. That can be an incredible amount of money to pay out of pocket. Having a health insurance plan set in place can help you get quality care at a much more affordable price, especially if something unforeseen happens.
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 West Ashley, SC will go over your health plan options and help find the best fit for your needs. Individual health plans are not tied to your employer, so you can make a career change without having to worry about losing your health insurance. For individual plans, we offer major medical, short-term, and fixed benefit plans that include life, dental, vision, and other coverage options.
Families
Finding the right health plan for your family can be a real challenge, but our experienced health insurance agents are here to help. We understand that not all members of your family will have the same needs. To help your family get the best coverage possible, we search for custom plans that will meet each of your family members' needs. Whether you're looking for major medical coverage or fixed-benefit plans with no deductibles, our experts are here to serve you. Common coverage options include vision, dental, life, STD and LTD, long-term care, and more.
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 West Ashley, SC to help you choose the best plan for your budget.
Here are a few of the most popular types of coverage that our clients ask about:
Major Medical
This type of insurance covers minimum essential benefits and meets the standards of the ACA for family and individual coverage. Major medical insurance is a fantastic option to choose if you want to be sure all of your medical expenses are covered. Major medical plans usually cover ten essential benefits:
- Outpatient Procedures or Ambulatory Care
- Hospitalization
- Check-Ups and Preventative Care
- Prescription Medications
- Emergency Services
- Pediatric Care Services
- Laboratory Services
- Newborn and Maternity Care
- Addiction Counseling and Mental Health Care Services
If your goal is to cover a full range of care, major medical plans are often the best choice. We recommend you contact our office today to learn more about the major medical plan options available to you. As a licensed, private health insurance broker in West Ashley, SC 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 West Ashley, SC we would be honored to help you seek out a plan that is the perfect fit for your life. You will receive the same excellent level of service whether you are a business owner with employees or a single individual.
When you're ready to protect yourself and your family with quality health insurance, we will be here to help guide you along the way. Contact us today so that we may discover your insurance needs and provide you with a quality insurance solution that will give you peace of mind for years to come.
Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News Near Me West Ashley, SC
Another 400 apartments, townhomes proposed behind West Ashley grocery store
Teri Errico Griffishttps://www.postandcourier.com/business/real_estate/charleston-harris-teeter-townhomes-west-ashley-bees-ferry/article_c7843a9c-8503-4e4b-821d-3be54b67fc27.html
CHARLESTON — A city board was unable to decide on a development group’s request for conceptual approval to build a six-structure multifamily development in West Ashley, but the discussion made clear that the plans need to go back to the drawing board.An exchange by Charleston’s Design Review Board on Jan. 5, in addition to 81 submitted public comments and several residents who spoke out in opposition, touched on concerns over the proposed Mosby Bees Ferry’s height, design and land use.The project is prop...
CHARLESTON — A city board was unable to decide on a development group’s request for conceptual approval to build a six-structure multifamily development in West Ashley, but the discussion made clear that the plans need to go back to the drawing board.
An exchange by Charleston’s Design Review Board on Jan. 5, in addition to 81 submitted public comments and several residents who spoke out in opposition, touched on concerns over the proposed Mosby Bees Ferry’s height, design and land use.
The project is proposed at 350 Grand Oaks Blvd., off Bees Ferry Road and behind a Harris Teeter supermarket and other businesses in the West Ashley Circle Center shopping complex. It calls for 380 units with 36 townhouses, along with separate garages, a clubhouse and a pool.
“I think even at a height scale and massing, I struggle to support it…,” board member David Meeks said.
No decision was made at Monday’s meeting because developer Middleburg Communities first needs approval from a city zoning board to cut down a number of protected grand trees on the 28-acre property. That determination would impact site design and only then could the project go before the Design Review Board.
But given how many residents weighed in — the applicants waited more than two hours to speak — the city panel was open to discussing the project.
The property has been owned by Bees Resources LP since 1994, according to county land records, and it includes eight acres of wetlands. The site zoned as miscellaneous commercial area.
Middleburg’s proposed apartment buildings would have a maximum height of 55 feet. Plans also call for 589 parking spaces and 25 garages.
Katie Burke, an architect with Cline Design, presented details of the project at the meeting on behalf of the developer. She noted that the “street edge is meant to feel as residential as possible,” with heights increasing inward.
She added the idea is to make a walkable community that will “echo some kind of Lowcountry vernacular” with its design.
Mosby Bees Ferry would back up to Long Savannah Road, the future main thoroughfare for 4,500 homes planned for the neighboring Long Savanna development. More than 20 years in the making, Long Savanna will be broken up into three main parts: a city park, a county park and a 1,200-acre residential area spread over 10 neighborhoods.
Several hundred more homes are planned along a 5-mile stretch of Bees Ferry Road. While traffic was a major feedback theme, the Design Review board said its oversight is limited to the design elements only.
Of the 81 public comments submitted, most focused on concerns that fall outside the panel’s purview. These included land use, stormwater and flooding.
But some noted the buildings felt too tall, and others requested more trees be preserved to serve as buffers. One comment requested better screens for garages and trash cans from the public roadway while another asked the palette of the apartments match the rainbow-hued townhomes nearby.
Frank Ricker, a retired doctor who lives in Grand Oaks, said he moved into the neighborhood because of its “modest” one- and two-level homes and winding roads around ponds and trees.
The Mosby project would require clearing out a huge swath of forest.
“What concerns me is what happens to Charleston. Developers come in … and they just dump these big buildings on us, and these buildings are out of context with the architecture of the rest of the community,” he said.
While congestion was not up for consideration, Ricker said it’s hard to overlook the 400 cars that would add to the already brutal traffic on roads in and around Grand Oaks.
“It’s overdevelopment,” he said.
Charlie Strickland, another resident of Grand Oaks, said he passes by the proposed site almost daily. His said the design does not match the rest of the community that he’s lived in for 20 years.
He asked that the board consider the residents who have to view the project daily, not the developers.
“They don’t live here,” he said.
The board recommended that before returning, the developer review a number of aspects, including strengthening the base of the apartment buildings with a brick water table, adjusting the colors of the pool house, pushing the pickleball courts away from the parking lot to allow for more greenspace and walking paths, and adding more details to the townhome entrances.
Burke did not immediately respond to a request for comment on the timeline on the project.
Vienna, Va.-based Middleburg said on its website that it has acquired, developed and financed more than 32,000 multifamily housing units since 2004 with a total value exceeding $4.5 billion.
Locally, the company built the Mosby Ingleside apartment complex near Interstate 26 and U.S. Highway 78 North Charleston and Hamlet Maybank, a single-family rental community on Johns Island.
Commercial expansion planned for outer West Ashley
Reese Thompsonhttps://www.live5news.com/2025/12/17/commercial-expansion-planned-outer-west-ashley/
New development aims to reduce traffic by bringing retail closer to growing residential areasWEST ASHLEY, S.C. (WCSC) — City officials are moving forward with plans to expand commercial development in outer West Ashley, targeting an area between Bees Ferry Road and Glenn McConnell Parkway.The Charleston City Council approved the first reading of an ordinance Tuesday night for a planned unit development in what developers call “The Wedge” area of outer West Ashley.“The city has really been trying...
New development aims to reduce traffic by bringing retail closer to growing residential areas
WEST ASHLEY, S.C. (WCSC) — City officials are moving forward with plans to expand commercial development in outer West Ashley, targeting an area between Bees Ferry Road and Glenn McConnell Parkway.
The Charleston City Council approved the first reading of an ordinance Tuesday night for a planned unit development in what developers call “The Wedge” area of outer West Ashley.
“The city has really been trying to focus on bringing more commercial development into that area because with Grand Oaks, Carolina Bay, and the Bees Ferry corridor, we feel like there’s enough heads in beds to finally really have a nice commercial component for outer West Ashley,” Karl Brady, Charleston City Councilmember for District 5, said.
Documents show there are 85,000 residential units within a five-mile radius of West Ashley Circle. The area currently has an established Walmart and other services, but Brady said the development aims to fill the remaining section with additional retail and commercial purposes.
The planned unit development proposes three land use districts: the Outparcel District, the Financial District, and the Commercial District. The plan combines general offices and businesses with walkability to existing locations.
Brady said the development addresses the city’s goal of creating work nodes where people can live, shop and potentially work in the same area.
City officials said traffic complaints are the top concern they receive from residents. The commercial expansion aims to reduce traffic along Sam Rittenberg Boulevard and other main West Ashley arteries by bringing grocery stores and other services closer to residential areas.
“The traffic is just getting worse and worse by the day,” West Ashley resident Carter Souris said.
Some residents said they welcome the convenience of closer commercial options despite concerns about rapid development.
“It’s a lot better because then it’s quicker to drive through down here, even though the distanc,e because of how long you’d have to sit in traffic,” Max Lee, another West Ashley resident, said.
The ordinance must complete the regular approval process before moving forward.
Encampment cleared near West Ashley as homelessness rises in the Lowcountry
Elijah Brownhttps://www.live5news.com/2025/12/15/encampment-cleared-near-west-ashley-homelessness-rises-lowcountry/
CHARLESTON, S.C. (WCSC) — A homeless encampment located about a hundred yards off Ashley Hall Road is now being cleared, as outreach workers say it’s part of a growing homelessness trend across the Lowcountry.Personal belongings remain scattered throughout the area, including clothing, shoes, and bedding. Crews with the HOPE Resource Center say the site is currently in the process of being addressed through outreach efforts.The encampment is one of six her organization has worked to address so far this year, reflect...
CHARLESTON, S.C. (WCSC) — A homeless encampment located about a hundred yards off Ashley Hall Road is now being cleared, as outreach workers say it’s part of a growing homelessness trend across the Lowcountry.
Personal belongings remain scattered throughout the area, including clothing, shoes, and bedding. Crews with the HOPE Resource Center say the site is currently in the process of being addressed through outreach efforts.
The encampment is one of six her organization has worked to address so far this year, reflecting what she describes as a broader rise in homelessness across the region, according to Executive Director LaTosha Jenkins-Fludd.
The encampment is located off North Woodmere Drive. Jenkins-Fludd says sites like this often form so people can remain together, particularly families or couples who want to avoid being separated.
A recent state report shows more than 450 people are experiencing homelessness across the Lowcountry, representing an estimated 14 percent increase from last year.
Jenkins-Fludd says those numbers align with what the HOPE Resource Center is seeing firsthand, including noticeable increases in unhoused seniors, women, and children. She says many people living in encampments are dealing with a range of challenges, including eviction, mental health struggles, terminal illness, or transitioning out of foster care.
“Usually when we’re made aware of an encampment, we engage with it using our own outreach specialists here in the City of Charleston,” Jenkins-Fludd said. “We go out and ask people how we can help — whether that’s access to showers, a hot meal, laundry services or case management for housing.”
She added that not everyone is immediately receptive to help, and that the organization works closely with mental health partners to address deeper needs.
The HOPE Resource Center is open four days a week and offers hot showers, a hot breakfast, and case management services. Those in need of assistance are encouraged to reach out for help.
Longtime West Ashley Indian restaurant set to open after 2-year closure
Jenny Petersonhttps://www.postandcourier.com/business/retail/nirlep-indian-restaurant-reopen-west-ashley-sc/article_5d214ded-bc7a-49a8-94c7-0f5822035217.html
WEST ASHLEY — Two years after an Indian restaurant that was a favorite of locals shut down for a complete remodel and rebuild, it’s finally eyeing a reopening date.The only hold up? The building still needs interior walls and equipment.Balvinder Banga originally expected the overhaul of Nirlep at 908 Savannah Highway to take about seven months. Instead, the project is nearing the two-year mark.She’s now hopeful the fully rebuilt space will be ready by early 2026, ideally in January.As part of the...
WEST ASHLEY — Two years after an Indian restaurant that was a favorite of locals shut down for a complete remodel and rebuild, it’s finally eyeing a reopening date.
The only hold up? The building still needs interior walls and equipment.
Balvinder Banga originally expected the overhaul of Nirlep at 908 Savannah Highway to take about seven months. Instead, the project is nearing the two-year mark.
She’s now hopeful the fully rebuilt space will be ready by early 2026, ideally in January.
As part of the refresh, Banga unveiled a new logo on the outside of the Charleston building featuring an Indian man wearing sunglasses — a visual cue, the owner said, to clearly signal that Nirlep serves Indian cuisine.
The logo and the refreshed interior will be the most notable changes to the dining experience.
“It will be the same menu, same everything,” Banga said. That includes Nirlep’s popular lunch buffet.
Nirlep closed at the end of 2023 after persistent issues with the aging structure, particularly its plumbing, Banga said.
What followed was a full demolition down to the slab. The new building will feature a larger kitchen, two clay ovens — one for the restaurant’s variety of tandoori-roti breads and another for chicken — as well as a bar with seating and a semi-private dining room that can hold about 20 guests.
Banga is also considering adding outdoor seating behind the building.
Many longtime staff members plan to return, and Banga will remain in the kitchen cooking her secret-sauce chicken tandoori, spicy Krahi chicken and chicken tikki masala.
She and her husband, Dilawar Banga, first opened Nirlep in 2002, naming it after their son. They purchased the building in 2008 for $485,000, according to county records.
Despite construction delays, customer demand hasn’t waned. Banga said diners as far as Summerville continue to ask when Nirlep will reopen. All of the restaurant’s new furniture is sitting in a warehouse, ready to be moved in once the renovations are complete.
Nirlep’s return comes as Charleston’s Indian dining scene continues to grow.
In recent years the Lowcountry area has welcomed Spice Palette in Mount Pleasant, Ma’am Saab, the Pakistani restaurant and cocktail bar from the owners of the more casual Malika Canteen in Mount Pleasant, and most recently, Riviat, a higher-end Indian restaurant which opened in the Cannonborough/Elliotborough neighborhood in September.