324 Hampton Place, Okatie, SC 29909
Phone: 843-705-9172
Fax: 843-705-9171

Medicare Options

We are health care specialists and only serve the Medicare population of South Carolina.

For persons having Medicare benefits we provide education, guidance, assistance and enrollment opportunities. We prepare Medicare Plan Finder plan estimates for all Medicare Advantage products. There is no cost or obligation for our time and counsel.

For family’s who live outside South Carolina and have a family member living in South Carolina, either the family of the Medicare beneficiary or the beneficiary in South Carolina who needs guidance or assistance with a problem or plan contact information should not hesitate to send us an email with basic particulars and we’ll do what we can to assist all concerned.

Medicare and related products include:

Medicare Supplement Plans, Medicare Advantage Plans, Medicare Prescription Drug Plans, and Medicare Special Needs including Dual Eligible products. Additional products include: Dental, Vision, and Hearing plans. Hospital Indemnity, Lump Sum Cancer Diagnosis policy, Short Term Recovery Care Insurance, Long Term Care, and Whole Life-Final Expense plans.


What are Medicare Advantage Plans (Part C)?
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies that Medicare approves. If you join a Medicare Advantage Plan, you still have Medicare. You’ll get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare.

You'll generally get your services from a plan's network of providers. Remember, in most cases, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your Medicare card in a safe place because you'll need it if you ever switch back to Original Medicare.

We represent the following plans:

  • AARP Medicare Supplement
  • Aetna/CVS Medicare Advantage Plans
  • Medicare Advantage plans, a UHC company
  • Insurance, Medicare Supplement
  • CVS Prescription Drug plans
  • Prescription Drug plans
  • Medicare Advantage
  • Humana, Medicare Supplements and Medicare Advantage and Prescription Drug plans
  • Mutual of Omaha, Medicare Supplements
  • SilverScript, Prescription Drug plans. A CVS company
  • United American, Medicare Supplement
  • United Health Care, Medicare Advantage, Medicare Supplements
  • Wellcare, Medicare Advantage, Prescription Drug plans

+Glossary of Medicare Advantage acronyms

Health Maintenance Organization (HMO) Plans—in most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network except in an emergency. You may also need to get a referral from your primary care doctor.
HMO Point-of-Service (HMOPOS) Plans—these are HMO plans that may allow you to get some services out-of-network for a higher copayment or coinsurance.

MA – Medicare Advantage – is another Medicare health plan choice you may have as part of Medicare. The acronym MA indicates the plan does not include prescription drug coverage.

MAPD – is another Medicare health plan choice you may have as part of Medicare. MAPD indicates the plan includes prescription drug coverage.

Preferred Provider Organization (PPO) Plans—In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.

Special Needs Plans (SNP)—SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare and Medicaid, who live in a nursing home, or have certain chronic medical conditions.

DE-SNP available to medicare/medicaid beneficiaries. Level of benefit depends on level awarded by Medicaid.

LIS/Extra Help is a Medicare program to help people with limited income and resouces pay Medicare Prescription drug costs. Income limits set annually.

DISCLAIMER
We will provide to the limit of our expertise and time resources assistance, guidance, or direction in matters excluding fiduciary, local, state and federal government, Medicare, and Medicaid benefit determination or legal opinions. Our agency and our agents are not employed or contracted with the Federal or State government. We also will be compensated based on your enrollment or purchase of any of the products we represent.

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