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Medicare Agent in Hanahan, SC
Trying to pick a health insurance plan can be a chore for anyone. For many people, just mentioning the word "open enrollment" sends shivers down the spine. It seems like there's always a nagging feeling that you're wasting money, choosing a plan with poor in-network care, or both. One would think that health insurance gets easier as you approach retirement age, but the truth is that picking an initial Medicare coverage plan can be daunting.
Unfortunately, the confusing process of signing up for Medicare causes many seniors to forego healthcare coverage altogether. After all, Medicare enrollment can involve several federal agencies, including the Social Security Administration (or SSA) and the Centers for Medicare and Medicaid Services (or CMS).
At Senior Medicare Insurance Services, our passion is guiding seniors through the confusion of Medicare. That way, they can enjoy retirement with peace of mind knowing they are protected and ready for life after 65. We work with dozens of insurance companies, giving our clients the chance to choose a plan that best fits their lifestyle.
We choose to design our senior insurance plans with a focus on optimal benefits structure, lower costs, and personalized service. Some independent insurance agencies see their aging customers as nothing more than a financial transaction waiting to happen. In contrast, we treat each of our clients with respect and dignity as we help them navigate the confusing waters of Medicare. Combined with individualized service, we help older Americans make well-informed decisions about insurance. Whether you're in need of senior Medicare Supplement Plan insurance in Hanahan, SC or simply have questions about signing up for Medicare, our team is here to help.
- Helping Seniors Make Better-Informed Medicare Decisions
- What is Medicare?
- The amount of money you pay for your health care depends on several factors, including
- Senior Medicare Supplement Plan Insurance in Hanahan, SC
- Important Information About Senior Supplement Plan Insurance
- Medicare Agent in Hanahan, SC
- How Medicare Advantage Plans Work
- Medicare Advantage Plan Insurance Rules
- Paying for Your Medicare Agent
- The Senior Medicare Insurance Services Commitment
What is Medicare?
If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.
Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.
There are four parts of Medicare:
This type of Medicare is free for most U.S. citizens. Medicare Part A helps older adults pay for care in a nursing facility, hospital visits, and some forms of in-home senior care.
This tier costs around $100 per month. It covers different outpatient services like lab tests, preventative care, doctor's visits, mental health care, clinical trials, and some forms of surgery.
This type of Medicare is most often called Medicare Advantage. This tier of Medicare allows seniors to choose health plans provided by insurance companies like Senior Medicare Insurance Services. Individuals who use Medicare Advantage commonly use Medicare supplement plan insurance to help pay for health care costs that Original Medicare won't cover, like coinsurance, deductibles, and copayments.
Sometimes called "PDPs," these plans add drug coverage to standard Medicare, some Medicare Private Fee-for-Service Plans (PFFS), some Medicare Cost Plans, and Medicare Medical Savings Account Plans (MSA).
The amount of money you pay for your health care depends on several factors, including:
- What kind of care you need, and how often it is needed.
- The type of Medicare coverage you choose.
- Whether there are alternative insurance policies that will help fill gaps in your coverage
- Whether a doctor agrees to charge you the same amount that Medicare will cover for a medical service
At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.
Senior Medicare Supplement Plan Insurance in Hanahan, SC
Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in "gaps" that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.
Private companies like Senior Medicare Insurance Services sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.
Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.
Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:
Deductibles
Copayments
Coinsurance
Important Information About Senior Supplement Plan Insurance
To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
- To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
- Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
- If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
- If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
- Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
- You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
- In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.
For many people, the best time to buy senior Medicare Supplement Plan Insurance in Hanahan, SC is during the 7 months Medigap Open Enrollment Period. This period starts the day you turn 65 years old, so long as you hold Medical Insurance (Medicare Part B). Generally, during the enrollment period, you get more policy choices and better pricing. Once the enrollment period is over, you may not be able to purchase a Medigap policy. Contact Senior Medicare Insurance Services today to determine if you qualify for a Medicare Supplement Insurance Plan.
Medicare Agent in Hanahan, SC
A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:
- Preferred Provider Organizations
- Special Needs Plans
- Private Fee-for-Service
- Medicare Medical Savings Account Plans
- Health Maintenance Organizations
In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.
How Medicare Advantage Plans Work
Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).
Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.
When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.
Medicare Advantage Plan Insurance Rules
Medicare works by paying a set amount of money to the companies that offer Medicare Agent in Hanahan, SC. That money is used to pay for the care services that you need. Because Medicare Advantage Plans are different, you should expect out-of-pocket costs to vary depending on the plan you choose.
Different plans have different rules for how you receive services, such as:
If you must go to facilities, suppliers, or doctors that belong to your Advantage Plan for non-urgent and non-emergency care.-
Whether you must get a referral to see a specialized doctor
Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.
Paying for Your Medicare Agent
How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.
We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.
The Senior Medicare Insurance Services Commitment
Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:
Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.-
Listening to your specific needs. -
Responding to all inquiries and questions promptly and with a friendly attitude. -
Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.
Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 82 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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Latest News in Hanahan, SC
SC Ethics Commission finds Hanahan mayor violated two ethics codes, issued a $2K fine
Emily Johnsonhttps://www.live5news.com/2026/07/15/sc-ethics-commission-finds-hanahan-mayor-violated-two-ethics-codes-issued-2k-fine/
HANAHAN, S.C. (WCSC) — The South Carolina State Ethics Commission has officially found the Hanahan mayor in violation of two ethics codes tied to a 2022 land sale on Yeamans Hall Road.The commission found Mayor Christie Rainwater violated ethics codes by participating in a matter in which a business she was associated with held an economic interest and for failing to recuse herself from that same matter.Rainwater works for Carolina One, the real estate company that helped sell the property. State ethics codes prohibit pub...
HANAHAN, S.C. (WCSC) — The South Carolina State Ethics Commission has officially found the Hanahan mayor in violation of two ethics codes tied to a 2022 land sale on Yeamans Hall Road.
The commission found Mayor Christie Rainwater violated ethics codes by participating in a matter in which a business she was associated with held an economic interest and for failing to recuse herself from that same matter.
Rainwater works for Carolina One, the real estate company that helped sell the property. State ethics codes prohibit public officials from using their office to financially benefit anyone with whom they are associated.
The commission determined Rainwater did not personally enrich herself from the transaction. She was publicly reprimanded and fined $2,100.
The commission issued its final Decision and Order following an evidentiary hearing held on June 18, 2026. The City of Hanahan said it is sharing the public documentation in full.
Rainwater issued a statement in response to the ruling.
“I respect the State Ethics Commission and appreciate the time and attention it devoted to reviewing this matter,” Rainwater said. “The Commission’s ruling makes clear that I did not receive any personal financial benefit from the transaction, did not negotiate or arrange the City’s brokerage agreement, and was not found to have acted with the intent to enrich myself.”
“I believed at the time that I was acting in the City’s best interest by ensuring the closing documents accurately reflected the existing agreement prior to my licensure,” she said. “At the same time, I recognize that I have made a mistake and should have recused myself from the matter. I regret that I did not do so.”
PRIOR COVERAGE: Hanahan real estate deals raise ethical questions
Rainwater said she will not appeal the ruling.
“While I have considered an appeal, the city had a very loud minority bringing a divisiveness, and I don’t feel like dragging this out would be helpful at this time,” she said.
Hanahan residents invited to learn about flood risks, insurance options during virtual town hall
Yahoo! Newshttps://www.yahoo.com/news/weather-news/articles/hanahan-residents-invited-learn-flood-105700995.html
HANAHAN, S.C. (WCBD) - Hanahan residents will have an opportunity Tuesday evening to learn about flood risks in their community and the insurance options available to protect their homes and property.The City of Hanahan is hosting a virtual Flood Insurance Town Hall at 6 p.m. through Microsoft Teams as part of a broader effort to educate residents about flooding and the findings of a recent local flood study.The online event will feature a panel of regional experts who will discuss flood insurance availability through both the ...
HANAHAN, S.C. (WCBD) - Hanahan residents will have an opportunity Tuesday evening to learn about flood risks in their community and the insurance options available to protect their homes and property.
The City of Hanahan is hosting a virtual Flood Insurance Town Hall at 6 p.m. through Microsoft Teams as part of a broader effort to educate residents about flooding and the findings of a recent local flood study.
The online event will feature a panel of regional experts who will discuss flood insurance availability through both the National Flood Insurance Program and the private insurance market.
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Residents will also be able to ask questions during the town hall.
Featured panelists include flood insurance agent Lisa Sharrard; Ann Roberson, manager of the South Carolina Safe Home Program with the South Carolina Department of Insurance; and Larry Sturdivant, Hanahan's building official.
City officials said the meeting is designed to help residents better understand flood risks, available coverage options, and resources that may help homeowners prepare for future flooding events.
The Microsoft Teams link will be posted on the City of Hanahan's Facebook page.
The virtual meeting is the first of two flood education events planned by the city.
A second public meeting is scheduled for Sept. 8 at Hanahan City Hall, where researchers from the University of South Carolina will present findings from a study examining localized flooding in the city.
According to the city, Dr. Jasim Imran and members of the university's research team will discuss results from their research, sensors and flooding simulations during a presentation beginning at 5 p.m. in the Debbie Lewis Municipal Chambers at Hanahan City Hall.
That presentation will be open to the public and will be broadcast as part of the city's regular council meeting coverage.
Copyright 2026 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.For the latest news, weather, sports, and streaming video, head to WCBD News 2.
Hanahan’s new town center blocks national chains to support local shops
Kavya Rameshhttps://www.live5news.com/2026/08/11/hanahans-new-town-center-blocks-national-chains-support-local-shops/
HANAHAN, S.C. (WCSC) — A new walkable town center is coming to the heart of Hanahan, built on the site of a hardware store that anchored the community for nearly eight decades.Blackwell’s Corner will bring together a curated mix of local restaurants, retail shops, and office spaces, with developers intentionally excluding national chains.Groundbreaking is scheduled for September 2026, with a projected grand opening in fall 2027.The project takes its name directly from Blackwell’s Hardware Store, which o...
HANAHAN, S.C. (WCSC) — A new walkable town center is coming to the heart of Hanahan, built on the site of a hardware store that anchored the community for nearly eight decades.
Blackwell’s Corner will bring together a curated mix of local restaurants, retail shops, and office spaces, with developers intentionally excluding national chains.
Groundbreaking is scheduled for September 2026, with a projected grand opening in fall 2027.
The project takes its name directly from Blackwell’s Hardware Store, which operated on the corner from 1947 until it closed in 2025.
The development team asked the Blackwell family for permission to carry on the name.
“Our partners and I, early on, in dealing with the Blackwell family, really felt that the history that they’ve established on this corner, starting back in 1947, should continue,” Michael Sivel, a project partner, said. “And so, we asked the family if they wouldn’t mind us continuing to use the Blackwell name and that’s how we came up with the name for the town center.”
The master plan for the development was shaped by a town center study and resident surveys commissioned by the city of Hanahan, which also changed local zoning to town center-specific for the area.
“The roadmap for what should go in the town center here at Blackwell’s was spelled out by the community,” Sivel said.
Developers say the decision to exclude national franchises was intentional from the start.
“We didn’t want to bring in major franchises or any national franchises,” Jennifer Rinella, another project partner, said. “We wanted to bring in local businesses and make sure that we curate a mix that complements one another.”
Businesses already committed to the development include:
Project partners say the goal is to give Hanahan residents a dedicated gathering space they have not previously had within city limits.
“Hanahan has had a long-standing, tight-knit community. They’ve just never had a center to kind of walk to and dine,” Rinella said. “A lot of people go downtown, as we know, for dining. So, we wanted to create something here where people can walk from home and come right in to where we have a central lawn. They can eat. They can hang out with their kids. They can grab a coffee, meet friends for dinner. Those things they haven’t been able to do as much in Hanahan. They’ve always had to go out of Hanahan for it. So, we’d like to bring it to Hanahan.”
The development will include a central lawn, restaurant and retail space, and office suites.
A limited-time preview called Blackwell’s Outpost will open this September on Yeamans Hall Road, near the main site, featuring Untitled Pizza Co. and rotating pop-ups ahead of the full opening.
Leasing opportunities for local restaurants, retail and office spaces remain available.
Interested businesses can visit blackwellscornersc.com or reach out through the project’s Instagram page.
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