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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 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. We have helped countless individuals, families, and business owners find the coverage they need at a price that won't send them into bankruptcy. If you know that you need health insurance but don't know how to start or what to look for, we've got good news - you're in the right place.
Service Areas
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in 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.
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 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 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.
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, we would be honored to help you seek out a plan that is the perfect fit for your life. You will receive the same excellent level of service whether you are a business owner with employees or a single individual.
When you're ready to protect yourself and your family with quality health insurance, we will be here to help guide you along the way. Contact us today so that we may discover your insurance needs and provide you with a quality insurance solution that will give you peace of mind for years to come.
Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in West Ashley, SC
MUSC eyes West Ashley for an emergency outpost as a North Charleston warehouse sells
Teri Errico Griffishttps://www.postandcourier.com/business/medical-university-south-carolina-north-charleston-emergency-warehouse/article_d125bb0c-b3dd-11ef-9958-9f2502e96943.html
Bye, bye, endless shrimp. West Ashley might be getting an even better deal, with a health kicker.A freestanding emergency department to be operated by the Medical University of South Carolina is being reviewed by the city of Charleston. The development is proposed for the 2080 Sam Rittenberg Blvd. — the site of a shuttered Red Lobster.The location would complement the existing MUSC Health West Ashley Pavilion, which opened nearby at Citadel Mall in Decemb...
Bye, bye, endless shrimp. West Ashley might be getting an even better deal, with a health kicker.
A freestanding emergency department to be operated by the Medical University of South Carolina is being reviewed by the city of Charleston. The development is proposed for the 2080 Sam Rittenberg Blvd. — the site of a shuttered Red Lobster.
The location would complement the existing MUSC Health West Ashley Pavilion, which opened nearby at Citadel Mall in December 2019 within the former JC Penney department store.
Sebastian Davis with ADC Engineering spoke on behalf of the applicant for the project Dec. 12, requesting preliminary approval from the city's Technical Review Committee.
“We are planning to provide a new building, essentially, that fits the site better,” he said.
Plans call for a single-story structure. MUSC, which was still finalizing plans as of its board of directors meeting last week, plans to lease the building, according to Andrew Pardue of E4H Environments for Health Architecture.
The property owner is affiliated with Plano, Texas-based Intuitive Health, a physician-led company that specializes in emergency care. It bought the former seafood restaurant, which Red Lobster vacated in early 2023, for $3.75 million in October.
Currently, there is no access to the property from Sam Rittenberg Boulevard. The entrance is around the corner on Orleans Road. Access to the property from The Citadel Mall is an easement, not a right of way.
Some of the proposed renovations include tearing out the existing chain-link fences and adding sidewalks.
"This whole bookend of Sam Rittenberg is critical to the future of that corridor," said Eric Schultz, the Technical Review Committee's administrator.
“We want this to be really dressed up and a really good-looking building and landscape," he added.
The applicants next meet with the city's zoning board.
Just sold
A warehouse at 6470 Dorchester Road in North Charleston has sold for $3.85 million.
Built in 2022, the 18,352-square-foot property formerly was home to Majestic Bath & Kitchen and Atlantic Coast Electric Supply.
The property consists of two showroom areas and a large interior office space with a mix of private and communal offices. Two roll-up doors are located in the back of the warehouse, along with a loading dock and a fenced laydown yard. The city of North Charleston rezoned the property to light industrial in March 2021.
The buyer is Tavares Properties LP, and the seller is Dorchester Road Properties SC LLC, according to county real estate records.
Buying behind
One of the Charleston's oldest and largest real estate firms has added an Upstate property to its portfolio.
The Beach Co., through its Beach Real Estate Funds affiliate, has acquired Ryder Junction Apartments in Greer. The community features 264 units with resort-style amenities at 900 Conductor Circle.
The deal is the third investment for Beach Investment Fund II, following properties in Charlotte and Orlando.
Now leased
Despite a summertime structural scare that forced a building-wide evacuation, the iconic Peoples Building in downtown Charleston continues to gain new tenants. The latest addition: Frontier Growth, a private equity firm that targets investments in the software-as-a-service sector.
Children who experienced loss from a highway tragedy ‘shopped with a cop’ in West Ashley
Emma Charleshttps://www.counton2.com/news/local-news/children-who-exprieced-loss-from-a-highway-tragedy-shopped-with-a-cop-in-west-ashley-to-bring-joy-this-holiday-season/
WEST ASHLEY, S.C. (WCBD) – More than a dozen children who experienced loss from a highway tragedy this year gathered at a West Ashley retailer to shop with state troopers.Troopers and officers from the South Carolina Department of Public Safety, with support from the SC Troopers Association and Walmart, hosted “Shop with a Cop” on Wednesday. Each child was given a $150 Walmart gift card to spend on whatever they wished.Troopers shopped with 15 children at the Walmart in West Ashley to bring them joy amid their...
WEST ASHLEY, S.C. (WCBD) – More than a dozen children who experienced loss from a highway tragedy this year gathered at a West Ashley retailer to shop with state troopers.
Troopers and officers from the South Carolina Department of Public Safety, with support from the SC Troopers Association and Walmart, hosted “Shop with a Cop” on Wednesday. Each child was given a $150 Walmart gift card to spend on whatever they wished.
Troopers shopped with 15 children at the Walmart in West Ashley to bring them joy amid their first holiday season without a loved one. They hope to strengthen the relationship between law enforcement and youth.
“I think just building the respect and trust for them we weren’t there when they were passed but I think for my kids in their community being supported by those people and showing my kids they’re not just here for the tragic times too or the bad times,” said Carly Williamson, a ‘Shop with a Cop’ attendee.
Parents say while this is a great event for the holiday spirit, it also highlights another important message of road safety. One mom hopes her story will stop teenagers from drinking and driving.
“We are here because my daughter was in an accident in Walterboro that seriously injured her and took the life of her best friend, so I am speaking out against drunk driving and I am speaking out against parents who know their kids are doing it,” said Jennifer Wiggins, a ‘Shop with a Cop’ attendee.
Cpl. Nick Pye with the South Carolina Highway Patrol said the event is special for the troopers to get a break during the holiday season.
“It gives them a chance to relax, let their hair down a bit, encounter these kids, and build that special bond with them,” he said.
Some children picked out all their gifts quickly while others took the full two hours.
“It’s the most amazing thing to watch these kids just be so happy and their faces light up when they realize they get to get whatever they want and it’s really important to us to be able to give whatever they want whatever this holiday season,” said Amy Osborne, Senior Manager Community Relations Walmart
Seven Walmart stores across the state and more than 140 children participated in this year’s event.
12 Hottest New Restaurants in Charleston, December 2024
Erin Perkinshttps://carolinas.eater.com/maps/best-new-charleston-restaurants
More often than not, tipsters, readers, friends, and family of Eater have one question: Where should I eat right now? What are the new restaurants? What's everyone talking about? While the Eater 18 is a crucial resource covering old standbys and neighborhood essentials across the city, it is not a chronicle of the "it" places of the moment. Enter the Eater Heatmap, which will change continually to highlight the spots crowds...
More often than not, tipsters, readers, friends, and family of Eater have one question: Where should I eat right now? What are the new restaurants? What's everyone talking about? While the Eater 18 is a crucial resource covering old standbys and neighborhood essentials across the city, it is not a chronicle of the "it" places of the moment. Enter the Eater Heatmap, which will change continually to highlight the spots crowds are flocking to at the moment or generating a big buzz. Folks are asking, "Have you been yet?" Try one of these newbies today.
New to the list:
December: Blanca EstradaNovember 2024: Legami, Chef Loong Dim SumOctober 2024: Linnette’s September 2024: the Archer August 2024: the SelectJuly 2024: Marbled & Fin, MakanJune 2024: Downtown Co-OpMay 2024: Sissy Bar, CoterieApril 2024: Da Toscano Fugazzi, XO Brasserie March 2024: Bodega Mount PleasantFebruary 2024: Cleats, Lowland Dining Room, Palmira BarbecueJanuary 2024: the Harlow, Da Toscano Porchetta ShopDecember 2023: the Quinte, Lowland Tavern, Lost Isle, Costa, BearcatNovember 2023: King BBQOctober 2023: Honeysuckle Rose
For all the latest Charleston dining intel, subscribe to Eater Charleston's newsletter.
Eater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.
The team from downtown bar Dalila’s opened a fun new spot in Park Circle. Sissy Bar takes inspiration from Southern California, from mezcal drinks to breakfast burritos to a massive barbacoa taco platter. Bring friends to sample all the sharable plates.
Slow-cooked brisket and whole hog meet Puerto Rican flavors at Palmira Barbecue. Pitmaster Hector Garate has been popping up around the Lowcountry for several years, but now he has a permanent address in West Ashley.
The crew from hip breakfast spot Daps opened a sports bar with better food and drinks found at typical sports bars. Find pit beef sandwiches, Thai-flavored hot dogs, green hatch chili wings, and waffle fries.
Herman Ng grew up working in his family’s Chinese restaurant, and now he owns his own with the opening of XO Brasserie. The menu focuses on Cantonese and Sichuan cooking, including XO lobster, mapo tofu, and garlic pepper beef. Don’t miss the fun cocktails or the desserts.
The couple behind Wagener Terrace hangout Berkeley’s recently opened their second restaurant, the Archer. They want it to have the same neighborhood vibes but raise the stakes with a full bar and fine dining-level comfort plates. Chef Paul Farmer (formerly of Three Sirens), puts out plates like duck frites, baked oysters, beef stroganoff, chicken liver mousse, and chilled crab dip.
Legami is a new Italian restaurant boasting a chef brought in from Rome by a family with roots in Turin, Italy. Washington Street Hospitality, which controls three Pasta Beach restaurants in New England, thought the King Street building would be another location for Pasta Beach, but decided to switch it up once they got into the historic building. Chef Andrea Congiusta cooks modern Italian fare with some influences from France. “We took inspiration from the classic fine dining, but we also want to have something fun, something that looks very fancy, and something you can crave,” says Congiusta. Dishes include king crab tagliolini, beef Wellington, and veal Milanese.
Modern steakhouse Marbled & Fin is giving all the other steakhouses a run for their money. The expansive dining room fills nightly with well-heeled customers ready to see and be seen. On the menu, chef Eucepe “Cepe” Puntriano includes all the steakhouse classics plus an emphasis on seafood dishes for non-meat eaters. Look for seafood towers, wedge salads, wagyu beef, bone marrow with oysters, creamed spinach, and more.
D.C.-based Malaysian restaurant Makan now has a second location in the Lowcountry. Chef James Wozniuk wanted the South Carolina location to feature local seafood. The ikan asam pedas, a Malaysian hot and sour fish curry, is a must-try if you like spice. There’s also rendand daging (dry beef curry), curry mee (noodle soup with chicken sausage), and kerabu mangga (mango salad).
Charleston is going crazy for soup dumplings, and newcomer Chef Loong Dim Sum delivers. The restaurant offers four flavors (pork soup, chicken soup, pork tomato soup, and truffle pork soup). The rest of the menu is quite extensive as well, with selections ranging from Sichuan mala chicken, crab rangoon, dan dan noodles, mapo tofu, and more.
The team behind Italian favorite Le Farfalle has an enticing new cafe in Charleston. The focus of Da Toscano Porchetta Shop is the housemade focaccia and everything that can be sandwiched between the airy bread. Chef Michael Toscano serves a filling chorizo and egg sandwich in the morning and a sumptuous porchetta sandwich in the afternoon. There’s also choices like prime rib, roast chicken, marinated eggplant, and so much more.
Chef Micheal Toscano recently opened a taco shop next to his Italian restaurant Le Farfalle. Blanca Estrada is Toscano’s ode to his Mexican mother and grandmother, whose cooking was an early influence on his culinary journey. The kitchen offers a selection of tacos, from cochinita pibil to lengua, several specials, like a lamb neck burrito, and several tequila drinks and pineapple vinegar soda.
Charming new hotel the Dunlin offers sweeping views of the Kiawah River, abundant hospitality, and coastal Southern fare in its signature restaurant, Linnette’s. Chef Michael DeCicco puts out dishes like a pressed and pickled watermelon salad, wood-fired oysters, cornmeal-crusted flounder, and a sorghum-benne lacquered steak with charred okra.
The team from downtown bar Dalila’s opened a fun new spot in Park Circle. Sissy Bar takes inspiration from Southern California, from mezcal drinks to breakfast burritos to a massive barbacoa taco platter. Bring friends to sample all the sharable plates.
Slow-cooked brisket and whole hog meet Puerto Rican flavors at Palmira Barbecue. Pitmaster Hector Garate has been popping up around the Lowcountry for several years, but now he has a permanent address in West Ashley.
The crew from hip breakfast spot Daps opened a sports bar with better food and drinks found at typical sports bars. Find pit beef sandwiches, Thai-flavored hot dogs, green hatch chili wings, and waffle fries.
Herman Ng grew up working in his family’s Chinese restaurant, and now he owns his own with the opening of XO Brasserie. The menu focuses on Cantonese and Sichuan cooking, including XO lobster, mapo tofu, and garlic pepper beef. Don’t miss the fun cocktails or the desserts.
The couple behind Wagener Terrace hangout Berkeley’s recently opened their second restaurant, the Archer. They want it to have the same neighborhood vibes but raise the stakes with a full bar and fine dining-level comfort plates. Chef Paul Farmer (formerly of Three Sirens), puts out plates like duck frites, baked oysters, beef stroganoff, chicken liver mousse, and chilled crab dip.
Legami is a new Italian restaurant boasting a chef brought in from Rome by a family with roots in Turin, Italy. Washington Street Hospitality, which controls three Pasta Beach restaurants in New England, thought the King Street building would be another location for Pasta Beach, but decided to switch it up once they got into the historic building. Chef Andrea Congiusta cooks modern Italian fare with some influences from France. “We took inspiration from the classic fine dining, but we also want to have something fun, something that looks very fancy, and something you can crave,” says Congiusta. Dishes include king crab tagliolini, beef Wellington, and veal Milanese.
Modern steakhouse Marbled & Fin is giving all the other steakhouses a run for their money. The expansive dining room fills nightly with well-heeled customers ready to see and be seen. On the menu, chef Eucepe “Cepe” Puntriano includes all the steakhouse classics plus an emphasis on seafood dishes for non-meat eaters. Look for seafood towers, wedge salads, wagyu beef, bone marrow with oysters, creamed spinach, and more.
D.C.-based Malaysian restaurant Makan now has a second location in the Lowcountry. Chef James Wozniuk wanted the South Carolina location to feature local seafood. The ikan asam pedas, a Malaysian hot and sour fish curry, is a must-try if you like spice. There’s also rendand daging (dry beef curry), curry mee (noodle soup with chicken sausage), and kerabu mangga (mango salad).
Charleston is going crazy for soup dumplings, and newcomer Chef Loong Dim Sum delivers. The restaurant offers four flavors (pork soup, chicken soup, pork tomato soup, and truffle pork soup). The rest of the menu is quite extensive as well, with selections ranging from Sichuan mala chicken, crab rangoon, dan dan noodles, mapo tofu, and more.
The team behind Italian favorite Le Farfalle has an enticing new cafe in Charleston. The focus of Da Toscano Porchetta Shop is the housemade focaccia and everything that can be sandwiched between the airy bread. Chef Michael Toscano serves a filling chorizo and egg sandwich in the morning and a sumptuous porchetta sandwich in the afternoon. There’s also choices like prime rib, roast chicken, marinated eggplant, and so much more.
Chef Micheal Toscano recently opened a taco shop next to his Italian restaurant Le Farfalle. Blanca Estrada is Toscano’s ode to his Mexican mother and grandmother, whose cooking was an early influence on his culinary journey. The kitchen offers a selection of tacos, from cochinita pibil to lengua, several specials, like a lamb neck burrito, and several tequila drinks and pineapple vinegar soda.
Charming new hotel the Dunlin offers sweeping views of the Kiawah River, abundant hospitality, and coastal Southern fare in its signature restaurant, Linnette’s. Chef Michael DeCicco puts out dishes like a pressed and pickled watermelon salad, wood-fired oysters, cornmeal-crusted flounder, and a sorghum-benne lacquered steak with charred okra.
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