Individual Insurance

Individual & Family

We offer a large selection of individual coverage for those who may need it. We work with many of the top carriers in South Carolina and provide expert guidance to help you select the right plan for you. For general information on individual coverages, click the appropriate links below. For a quote, please use the Quote Form below to contact us or call us at 864-232-5528.

+The Marketplace

Federal Health Insurance Marketplace

The Affordable Care Act (ACA) was passed in 2010 and is healthcare reform affecting individuals, employers and insurance companies.The Federal Health Insurance Marketplace is part of the Affordable Care Act and offers different levels of health plans to individuals (Platinum, Gold, Silver or Bronze).

If you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit (premium discount). Families earning up to $94,000 per household (this is about 400% of the poverty level) can qualify. For more on healthcare reform, click here.

+Major Medical

Health Insurance

We offer PPO major medical policies to meet your specific needs.

A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

+Dental Plans

Dental Plans

Below is general information on what Dental Plans may cover and how they work.

Individual Dental Plans
Individual and family dental plans or policies are relatively inexpensive, but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.

Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.

+Vision Plans

Vision Plans

Below is general information on what Vision Plans may cover and how they work.

Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

+Short Term Health

Short Term Health Insurance

Below is general information on what short-term health insurance may cover and how it works.

Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA) to avoid penalty. However, currently the future of the ACA is unknown at best and may be entirely repealed and replaced by a new healthcare law. We encourage you to call us for assistance to be sure you are in compliance with all federal and state healthcare laws.

+Annuities

Annuities

Simply defined, an annuity is an insurance product designed to pay out income over a period of time. They are considered investment contracts that can help you grow your savings, inheritance and/or retirement portfolio, often providing retirement income that you cannot outlive. Payments may begin immediately or at some future date in exchange for a lump sum payment or a series of payments made prior to onset of the annuity. Annuities may arise as a result of a structured liability settlement as well.

Annuities can provide either an immediate income stream or an income stream at retirement (or other future date) that transfers some of the risk of you outliving your money (“lifespan uncertainty”) to the insurer.

Annuities are offered from carriers with the highest ratings available and designed with high current interest rates and short surrender charges.

*Note: Annuity contract structures are complex with an array of product choices such as: fixed or indexed, deferred or immediate, for both the qualified and non-qualified marketplaces. As a result, please contact your agent to discuss possible benefits, risks, costs as well as potential tax deferral advantages to see if annuities are a good fit for your financial plans.

+Life Insurance

Life Insurance

Term Life Insurance is simple, affordable, and flexible at a 5, 10, 15 to 30 year fixed term. It is considered the most basic and affordable type of life insurance, designed to meet temporary needs. This type of life insurance does not build cash or investment value and only covers you for a set period of time, provided you pay the monthly premium.

Having term insurance means the carrier will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. In most cases, term life insurance proceeds are tax-free. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

+Whole Life Insurance

Whole Life Insurance

Permanent Life Insurance provides life-long protection and a savings strategy for the future. Whole life insurance (also known as cash value) builds up a cash value that has many benefits to the insured. Because the policy accumulates a cash value, the insured may borrow against the policy tax free or simply build a tax deferred investment income. The insured may cancel the policy for part of the cash value after a period of time. Upon the death of the insured, the policy pays the death benefit to the named beneficiary, also tax free.

Important Notice: Per the Affordable Care Act, to sign up for regular health insurance, you must do so during annual open enrollment of November 1, 2017 through December 15, 2017.

You can enroll/purchase policies for all other insurance products in this section at anytime of the year.

Medicare Plans

We help the senior community and those eligible for Medicare with initial enrollment and in reviewing new options each year as they are released just before annual open enrollment. We work with many top quality carriers in South Carolina and can help you decide which plan/carrier is best for your needs and budget. Our support is FREE of charge – please CLICK the links below to learn more about the types of Medicare insurance we offer. For a quote, please use the Quote Form below to contact us or call us at 864-232-5528.

+Medicare Advantage

Medicare Advantage Plans

Medicare Advantage – Part A: Medicare Advantage plans are health plan options that are approved by Medicare and run by private companies. You must have Medicare Parts A and B to be eligible to join one of these plans. Medicare Advantage plans usually offer additional benefits and provide specialized care for people who need a lot of health care services. It includes all benefits and services covered under Part A and B. These plans replace Medicare Parts A and B.

+Medicare Supplements

Medicare Supplements

Medicare Supplement Plans: Another option for supplementing your original Medicare coverage is called a Medicare Supplement plan. Because Medicare covers only 80 percent of your Part B costs, you may need to pay out of pocket for things like copayments, coinsurance and deductibles. A Medicare Supplement plan covers some of the costs not covered by original Medicare. These plans cost a little more, but allow you to see any doctor or go to any hospital that accepts original Medicare without a referral.

+Medicare Part D Plans

Medicare Part D Plans

Prescription Drug Plans – Part D: If you have Medicare Part A or B, you can join one of these plans. You do not get this automatically. You can choose a prescription drug plan by itself or a Medicare Advantage plan that includes the prescription drug plan. Most drug plans charge a monthly premium that varies by plan, and you pay this in addition to your Part B premium. Your costs will vary depending on which drugs you use, which plan you choose and whether you get extra help paying your Part D costs. Choosing a plan that fits your situation allows you to get the coverage you want at the best price possible.

NOTICE: Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan or you could end up paying a penalty every month.

Important Notice: To purchase any of our Medicare plans, you must already be enrolled in Original Medicare. For Medicare Advantage, you must act during annual open enrollment October 15th to December 7th of each year, or qualify for special enrollment.

SPECIAL ENROLLMENT QUALIFYING EVENTS. If you missed the deadline you may qualify for special enrollment, click here for more.

Special Enrollment - Qualifying Events

To purchase an Advantage Plan or a Part D Plan outside of the open enrollment period, you will need a qualifying event to be eligible.

Medicare Special Enrollment – Qualifying Events

Once enrolled in Medicare, if you wish to change or purchase Medicare Advantage and Part Plans, you must act during the open enrollment period.

When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:

You are turning 65
You move to a new area that is not in your current plan’s service area
Recently moved back to the US
You lose your current coverage (either Group or Medicaid)
You now need a SNP (Special Needs Plan) or you no longer need a SNP

*Click here for more guidelines on Medicare.

Note that neither Group Benefit Strategies LLC nor its agents are connected with the Federal Medicare program.

Request a Customized Quote

Check all that apply:

HealthShort Term HealthDental or VisionLife InsuranceAnnuitiesMedicare AdvantageMedicare SupplementsPart D Plans

I understand by completing this form that a sales agent may contact me by phone, email or mail to discuss Individual Insurance Plans, including, if applicable, Medicare Advantage Plans, Medicare Part D plans, and Medicare Supplement Insurance Plans.