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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 West Ashley 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 West Ashley 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.

Do You Really Need Health Insurance?

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.

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 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.

diagnoses

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 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.

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Small Business

Offering health insurance to your employees is one of the best ways to keep your team happy and attract diligent workers to your company. If you are a business owner who wants to provide health insurance to your employees but cannot do so because the cost of benefits is too high, worry not. Our experienced health insurance agents will work directly with your employees to help them find the coverage they can afford. We also offer hybrid plans that can be customized so that both you and your employee’s needs are met. Whether you need a major medical package or voluntary benefits only, the Health Insurance Solutions Team has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.

plane departure

Travelers

If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler’s insurance can help minimize expensive cancelation fees and costs.

Health Insurance Solutions Team for Individual and Family Health Insurance

Health Insurance Solutions Team for Individual and Family Health Insurance

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Most Popular Types of Coverage

Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions Team, we will provide you with a trusted health insurance agent in West Ashley 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 you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

MAJOR MEDICAL
DENTAL

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.

VISION
LONG-TERM CARE

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 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:

  • 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, 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.

Expert Help Is Only a Phone Call Away

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

Latest News in West Ashley

Poke Burri restaurant now open inside The Victory in Charleston, SC

Remember when we gave you the scoop on The Victory building in Avondale? ICYMI: the building used to be the Helping Kids with Cancer Thrift Store. It’s been some time, but the first tenant in the 10,000 sqft space off of Savannah Highway has opened for business....

Remember when we gave you the scoop on The Victory building in Avondale? ICYMI: the building used to be the Helping Kids with Cancer Thrift Store. It’s been some time, but the first tenant in the 10,000 sqft space off of Savannah Highway has opened for business.

Poke Burri officially opened on Tuesday at 835 Savannah Hwy., bringing poke bowls, sushi burritos, and build your own options to the Lowcountry. The eatery even offers nontraditional sushi dishes on its secret menu, with a selection of sushi pizza, donuts, and a corn dog.

Poke Burri’s coownersCharleston natives Jeff Locke and Tim Duke — have returned to the Lowcountry to open the brand.

However, Charleston isn’t the first location. Poke Burri began inside the Atlanta Food HallWe Suki Suki in 2016 and has since expanded to Jacksonville, Houston, Raleigh + Philadelphia. It’s about time we got in on the action, right?

The awardwinning restaurant has been featured in Forbes, US Weekly, and Food Network. Check it out Monday through Thursday + Sunday from 11 a.m. to 9 p.m. or Friday and Saturday from 11 a.m. to 10 p.m.

Bank of South Carolina Corporation Announces Annual and Fourth Quarter Earnings

CHARLESTON, S.C., Jan. 13, 2022 /PRNewswire/ -- The Bank of South Carolina Corporation (Nasdaq: BKSC) announced unaudited earnings of $6,744,866 or $1.22 and $1.19 basic and diluted per share, respectively, for the year ended December 31, 2021 – an increase of $284,235 or 4.40% from earnings for the year ended December 31...

CHARLESTON, S.C., Jan. 13, 2022 /PRNewswire/ -- The Bank of South Carolina Corporation (Nasdaq: BKSC) announced unaudited earnings of $6,744,866 or $1.22 and $1.19 basic and diluted per share, respectively, for the year ended December 31, 2021 – an increase of $284,235 or 4.40% from earnings for the year ended December 31, 2020 of $6,460,631 or $1.17 and $1.14 basic and diluted per share, respectively. Earnings for the three months ended December 31, 2021 decreased $196,036 or 11.30% to $1,539,170 compared to $1,735,206 for the three months ended December 31, 2020. Returns on average assets and average equity for the year ended December 31, 2021 were 1.14% and 12.30%, respectively, compared with 2020 returns on average assets and average equity of 1.28% and 11.93%, respectively.

Fleetwood S. Hassell, President and Chief Executive Officer, stated, "This year, we will celebrate our 35th anniversary as the oldest bank headquartered in Charleston. Despite lower fourth quarter earnings, 2021 was another successful year as we were able to meet and exceed our profit plan, resulting in the third most profitable year in our history. Fees realized from PPP and mortgage originations greatly helped to offset reduced interest income generated from this exceptionally low interest rate environment. We are prepared to meet the challenges of 2022: razor-thin margins, suitable investments of our resources, diminished fee income, and a tight labor market. Anticipated Federal Reserve rate increases will help to mitigate some of this; however, an expanded mortgage department and increased loan volume will be the keys to driving more revenue for the bank. Nonetheless, our employees remain our greatest asset and, once again, will see us through another successful year of relationship banking with unparalleled service, responsiveness, and attention to detail."

The following table shows the balance sheet and income statement highlights:

(Unaudited) December 31, 2021

(Unaudited) December 31, 2020

BKSC Common Stock Shares Outstanding

5,541,266

5,520,469

Book Value Per Share

$ 9.73

$ 9.96

Total Assets

$ 679,220,646

$ 532,494,599

Three Months Ending

Net Income

$ 1,539,170

$ 1,735,206

Basic Earnings Per Share

$ 0.28

$ 0.31

Diluted Earnings Per Share

$ 0.27

$ 0.31

Basic Weighted Average Shares Outstanding

5,539,381

5,520,272

Diluted Weighted Average Shares Outstanding

5,683,804

5,673,339

(Unaudited) December 31, 2021

(Unaudited) December 31, 2020

Twelve Months Ending

Net Income

$ 6,744,866

$ 6,460,631

Basic Earnings Per Share

$ 1.22

$ 1.17

Diluted Earnings Per Share

$ 1.19

$ 1.14

Weighted Average Shares

Basic Weighted Average Shares Outstanding

5,531,518

5,526,948

Diluted Weighted Average Shares Outstanding

5,680,482

5,678,543

About Bank of South Carolina Corporation

The Bank of South Carolina Corporation is the holding company of The Bank of South Carolina ("The Bank"). The Bank is a South Carolina state-chartered bank with offices in Charleston, North Charleston, Summerville, Mt. Pleasant, and the West Ashley community and has been in continuous operation since 1987. Our website is www.banksc.com. Bank of South Carolina Corporation currently trades its common stock on the NASDAQ stock market under the symbol "BKSC".

SOURCE Bank of South Carolina Corporation

City of Charleston reviewing rules for home businesses

CHARLESTON, S.C. (WCSC) - If you run a home business or have ever visited a home business in the city of Charleston, and it wasn’t run from completely inside the house, it’s technically not allowed.That’s according to the City of Charleston’s current Home Occupation ordinance.Anna Faenza is a West Ashley resident and has run her business, Holy Mackerel Infant Aquatics, from her backyard swimming pool for months.That was until she was told by the city she wasn’t allowed to run her swim lesson...

CHARLESTON, S.C. (WCSC) - If you run a home business or have ever visited a home business in the city of Charleston, and it wasn’t run from completely inside the house, it’s technically not allowed.

That’s according to the City of Charleston’s current Home Occupation ordinance.

Anna Faenza is a West Ashley resident and has run her business, Holy Mackerel Infant Aquatics, from her backyard swimming pool for months.

That was until she was told by the city she wasn’t allowed to run her swim lesson business from her backyard anymore because it wasn’t approved under the city’s Home Occupation ordinance.

“Right before Christmas, I received a letter from the City of Charleston saying that I needed to cease lessons because I wasn’t following the ordinance rules or regulations for a home occupation,” Faenza said.

Charleston City Planning Manager Christopher Morgan say the home occupation ordinance was set decades ago.

It defines a home occupation as a profession or trade that is customarily conducted within a dwelling by the resident.

“My pool is not inside my dwelling, it doesn’t fall under the category of being a home occupation,” Faenza said.

Faenza teaches swim lessons to children aged 6 months to 6 years old in her own swimming pool.

Morgan says the ordinance was originally designed to allow people to have home businesses as long as they do not impact surrounding neighbors.

“We were looking forward to doing, continuing to doing other classes, group lessons, and then also refresher courses. So it was upsetting to hear, especially with her being so close,” a client of Holy Mackerel Infant Aquatics, Marisa Lynch, said.

After Faenza went to the city about changing the home business rule to allow outdoor swim lessons, Morgan says they had 58 different written comments submitted in support.

“I was so humbled by my clients, all these parents, who were just like willing to bat for me,” Faenza said.

Morgan says the planning commission is working now to revise the rule so it will state that home businesses are allowed on the property, not in the dwelling.

He added that it will specifically say all activities must be conducted in completely enclosed buildings with the exception of swimming lessons.

Morgan says the ordinance will be presented at City Council for a reading on Feb. 22, and final reading would be in early March, which is when Faenza hopes to start giving swim lessons again.

Copyright 2022 WCSC. All rights reserved.

Charleston retailer buys adjacent shop for $3.25M; new eatery coming to West Ashley

A downtown Charleston women’s apparel retailer recently bought an adjacent building that once housed another clothing shop and now has a satellite operation on the upper peninsula as part of its expanded footprint.An affiliate of Hampden Clothing, owned by Stacy Smallwood, purchased the former Anne’s women’s clothing shop at 312 King St. for $3.25 million in November, according to Charleston County land records.It serves as an extension to Hampden’s flag...

A downtown Charleston women’s apparel retailer recently bought an adjacent building that once housed another clothing shop and now has a satellite operation on the upper peninsula as part of its expanded footprint.

An affiliate of Hampden Clothing, owned by Stacy Smallwood, purchased the former Anne’s women’s clothing shop at 312 King St. for $3.25 million in November, according to Charleston County land records.

It serves as an extension to Hampden’s flagship store at 314 King and its counterpart shoe store James next door.

The apparel store has been growing its presence on the peninsula in recent years. It now occupies more than 10,000 square feet of retail space on middle King, including Small by Hampden at 324 King.

The retailer also recently leased the former Barrie Newman Building at 747 Meeting St., according to the commercial real estate firm NAI Charleston.

The retailer will use the 7,200-square-foot rental space as an e-commerce and distribution office to focus on the company’s growing online business. Special events, such as partnerships with brands, also are planned at the site for shoppers.

The newly leased property in the area called NoMo, for North Morrison, backs up to the planned Lowcountry Lowline linear park that will run along the peninsula’s spine. The site also is close to Interstate 26 and offers on-site, off-street parking.

“The iconic building is a perfect fit for the internationally recognized boutique,” said Sarah Shelley, of NAI Charleston, who represented Hampden Clothing LLC as the tenant.

Jack Owens, also of NAI Charleston, represented the building owner, AD Meeting LLC, which paid $2.25 million for the property in December 2020, according to land records.

What’s cooking?

A new dessert-type eatery is in the works for West Ashley.

Big Dough Daddy LLC recently leased 1,581 square feet at 3863 West Ashley Circle, off Bees Ferry Road, according to the commercial real estate firms Avison Young and Bridge Corporate Solutions.

The venture will be called Cookie Dough Bliss & Creamery and will offer cookies, cookie dough, ice cream and other treats, according to owner Jason Keyser of West Ashley.

An opening is tentatively planned for April or May. His partner, Kitty McDowell, will be the general manager. She previously worked at the creamery’s location in North Carolina.

The Concord, N.C.-based company has 11 locations in eight states. The West Ashley site will be its first in South Carolina.

On the way

A five-building commercial complex is the newest proposal for a developing area in Cainhoy.

The planned Foundation Place at Point Hope on Clements Ferry Road north of the Publix-anchored Point Hope Commons Shopping Center will include 38,000 square feet of retail, restaurant and office space on about 4.5 acres.

Plans call for 22,000 square feet of office, retail and fast-casual restaurant space, including a coffee shop with a drive-thru, as well as a 16,000-square-foot, two-story medical office building, according to site plans.

Three buildings are slated to be 6,000 square feet each while another with the drive-thru window will be 4,000 square feet.

The developer is listed as Vulcan Property Group of Fort Mill, which is building the new 25,000-square-foot Serendipity Labs co-working structure in Nexton in Summerville. The co-working space is expected to open during the summer.

Stretching out

The Charleston franchise owner of a new Chicago-based fitness firm is planning four more locations across the Lowcountry after launching his first operation earlier this month in southern Mount Pleasant.

Franchisee John Youngblood said he plans to open Spenga fitness sites in northern Mount Pleasant, James Island, the Summerville area and West Ashley. Specific locations and opening schedules have not been determined.

Youngblood opened the initial Spenga site in a 4,000-square-foot space at 996 Johnnie Dodds Blvd. in the Publix-anchored Queensborough Shopping Center in Mount Pleasant on Jan. 8. A ribbon-cutting ceremony was held Jan. 18.

Spenga combines spin, strength training and yoga.

Celebrate Christmas Eve and Christmas 2021 at these Charleston restaurants

Christmas is here again, which means many local restaurants will close doors for the 24th and 25th to celebrate the holiday. But don’t worry, a good handful of Charleston restaurants will be open, so bring the family and celebrate with a local business.Have a dinner to add? Email pham@charlestoncitypaper.com.5Church5Church, ...

Christmas is here again, which means many local restaurants will close doors for the 24th and 25th to celebrate the holiday. But don’t worry, a good handful of Charleston restaurants will be open, so bring the family and celebrate with a local business.

Have a dinner to add? Email pham@charlestoncitypaper.com.

5Church5Church, to be rebranded to Church and Union at the start of the new year, will be offering two menus on the 24th and 25th. For Christmas Eve, the restaurant will be offering red oak salad with five spice edamame, daikon, cucumber and a ginger dressing, a porchetta ravioli with smoked tomato broth and micro basil and more, along with dessert options like pumpkin swiss roll, s’mores and a chef selection of ice cream.

On Christmas, enjoy a buffet of biscuits and gravy, pork tenderloin with a bourbon pecan glaze, a prime rib with horseradish and bordelaise and more. Dessert options for the day include multi-flavored shooters, mini tarts, cream puffs and an apple spice cake.

Each dinner will be $65 for adults and $30 for children 12 and under and run from 3-9 p.m.

Brasserie la BanqueHead to the Indigo Road group’s new Parisian restaurant for a Christmas duck, available now for dine-in only. The dish will feature aged Hudson Valley rohan duck, sweet potato fondant, winter greens and black currant jus, made to accomodate parties of any size. The special holiday dinner is available as a breast for one ($38), a half duck with confit leg for two ($70) or a whole duck for four to six people ($130).

Park & GrovePark & Grove is celebrating Christmas Eve (and New Year’s Eve) with a special holiday menu, available in addition to the restaurant’s regular menu. For the holidays, guests can enjoy caviar service with scallion blini, chives and farm egg, New York strip steak with truffled mushroom jus and lobster with oyster stuffing, along with special wines and champagnes to celebrate the night.

Reservations can be made on Resy with spots open until 9 p.m.

TempestOn Christmas Eve, the seafood restaurant next door to 5Church is offering a three-course prix fixe menu featuring blue crab cassoulet with braised lady peas, shaved burgundy truffles and a lemon-thyme crumble for the first course, a roasted whole squab stuffed with Berkshire pork sausage, woody herbs and smoked garlic jus for the entrée and an apple fig budino with fig tanghulu, whipped brie and honey caramel for dessert.

The special dinner is available between 3-9 p.m. for $65. Each course is also available a la carte.

Metro DinerMetro Diner is offering special holiday meals and to-go packages for Christmas. The West Ashley diner will be open on Christmas Eve until 2:30 p.m., offering its normal menu in addition to holiday specials like Stuff ‘N Waffle with Turkey and Sausage & Gravy Chicken Tenders Stuff ‘N Waffle.

On the takeout side, Metro is offering a Holiday Feast, featuring maple glazed baked ham or roasted turkey with cranberry sauce and choices of creamy mashed potatoes & gravy, sweet potato mash, green bean casserole, savory cornbread stuffing, macaroni & cheese or Hawaiian dinner rolls for sides. Meals are ready to heat at home.

Deadline to order is Wed. Dec. 23, with pick-up time from 8 a.m.-8 p.m. on Dec. 22-23 and 8 a.m.-2:30 p.m. on Dec. 24.

Pre-orders for the Holiday Feast is available on the restaurant’s website.

Uptown Social

On Christmas Eve and Christmas, Uptown Social will be open all day and night, starting at 10 a.m. with entertainment from DJ Boogi downstairs and DJ Neptune on the rooftop on Christmas Eve. Christmas entertainment kicks off 3:30 p.m. with Black Diamond Duo, followed by New Ghost Town, DJ Areanaissance and DJ Tony Jack.

Brunch specials will also be available for the holidays.

Have a dinner to add? Email pham@charlestoncitypaper.com.

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