Many people may think that just because they are paying more for health insurance that they have the best coverage. However, this is not necessarily true. According to Thirdway.org, there are three huge problems even with the Affordable Care Act (ACA) laying the groundwork for universal coverage and cost caps. Furthermore, a plethora of people are paying higher costs for health insurance, yet they are still required to pay stifling prices sometimes even though our society has the ACA. With all this said, the following are the three huge problems regarding health insurance in our society, according to Thirdway.org: 

1. 41 million Americans have a barrier to care and financial risks due to high deductibles for inadequate coverage. 

2. Due to specific gaps in state and federal policy, 29 million Americans don’t have coverage. 

3. As incentives, everyone pays too much money to influence manufacturers and health care providers to raise costs instead of raising value. 

The bottom line is this: The more you pay on health insurance doesn’t necessarily equates to the more quality care you will obtain. In fact, our society spends a lot more on average for each individual than any other developed country yet has a worse performance through a broad range of measures, including access to care and health results.

Don’t let this situation happen to you. And if you are already in this dilemma, it’s not too late to make the right choice. It will behoove you to contact reliable, trustworthy, insured, certified, and experienced professional insurance professionals to assist you. If you in South Carolina, Benefit Insurance Services is the way to go.

Located in Myrtle Beach, SC, Benefit Insurance Services has been serving Myrtle Beach SC and surrounding areas for several years. Our company is an independent insurance agency, and it is family-owned and operated. We are well-known for their exceptional services, and they can steer you in the right direction. So, contact us today!

The health sector across the globe is in the limelight, and Myrtle Beach, SC is no exception. Let’s face it, health insurance is not cheap, and that is why many people still go without it. Millennials are the least concerned about health insurance as they regard themselves as "healthy". However, a healthy state is a productive state. If you haven’t bought health insurance, you may want to speak to our insurance agents at Benefit Insurance Services, and we will help secure a policy for you. So, when is it appropriate to purchase health insurance? Read on to find out.

If you had an accident

The worst part about accidents is that they can never be underestimated. Whether it is a road accident or a home accident that happened while you were repairing your roof, medical emergencies can be quite expensive. The bills can quickly turn into millions depending on the fatality of the accident.

If you have a pregnant wife or young children

 Having a family means having health insurance that protects every member of the family.  Young children require excellent medical care to ensure that they grow well, both physically and mentally. If you have a pregnant wife, you want to ensure that you are financially prepared to handle all the medical bills that could crop up during pregnancy and birth.

If you have a serious illness

If you discover that you have a serious illness, the first positive step to take is to buy a health insurance policy to help with medical bills. Some diseases can be quite expensive to treat, as doctors have to use specialized equipment and skills to achieve positive results. Additionally, think about the time when you will need to be admitted or laid up in the hospital. That means lost income, and without health insurance, you may find it challenging to pay for healthcare.

Feel free to visit Benefit Insurance Services serving Myrtle Beach, SC for more information or policy discussions.

One of the more common health topics developing in the south and Myrtle Beach, SC community revolves around vaccinations. Because the area is growing substantially with retired citizens and growing families, this concern for vaccinations is more important than ever for our clients at Benefit Insurance Services. Below are some of the common vaccinations and how they benefit our clients.

What vaccinations are available? 

• Influenza
• Chickenpox
• Smallpox
• Hepatitis A
• Measles

These are just a few of the vaccines that are offered by physicians in the Myrtle Beach, SC area. Some of these vaccines are required at certain ages for small children. Others such as the influenza vaccine is a vaccine that is only effective annually. 

Benefits of Vaccines

Vaccines are not only beneficial for the person receiving them, but they protect the health of those around us. When you are unable to get these diseases, they do not spread to other family members who may not be vaccinated. With Myrtle Beach being a heavy tourist area in the summer months, international travelers who may not have been vaccinated can bring diseases with them to the area and infect those who have not been vaccinated. For those who are vaccinated, they are safe from the harmful and sometimes deadly effects of these diseases. Having a record of your vaccinations determines what you are protected from and gives your physician an insight into what other vaccines you may need. 

Get your vaccines with Health Insurance

If you live in the Myrtle Beach, SC area or Horry County and do not have health insurance, it is time to give our agents a call. At Benefit Insurance Services, we have a policy that will fit your needs and help you get vaccinations for you and your family members. Call us today for more information. 

Health insurance is a hot topic and everyone wants to know just what is required and what is not. There are a few different ways that you can broach the topic of health insurance and one is to look at what is required if you have dependents. For those that live in the Myrtle Beach, SC area, the agents with Benefit Insurance Services can better answer all your insurance questions.

So, do you have to have insurance on a dependent, short answer, yes. It is required by law that all people have health insurance and that means dependents as well. If you have children or adults that are dependent on you, it becomes your responsibility to take care of their insurance needs. It is your duty to make sure that your dependents have health insurance of some sort. In most cases, major medical health insurance companies are going to offer family plans where you can add your legal dependents for a fraction of the cost so that they are insured.

If you cannot afford to insure your dependents or you cannot afford to insure yourself, you can opt for government-sponsored insurance in the state in which you live which will cover both the adults and the dependents as well. Insurance is something that all people need and that is required by law to making sure that you have the proper insurance is a must. If you have questions about insurance, about what sort of policy you need, and about what policies you are eligible for, you can always ask an insurance professional. For those that live in the Myrtle Beach, SC area, the agents with Benefit Insurance Services can help you to find the policy that works for you and your dependents alike.  

Private Health Insurance Options in South Carolina

Benefit Insurance Services serving Myrtle Beach, SC offers health insurance from South Carolina providers that have insurance products for individuals and families. Contact us to compare the wide variety of plans. Together we’ll find on that is right for you and your family.

Who Should Buy an Individual or Family Health Plan in South Carolina?

If you are self-employed or your employer doesn’t offer health insurance or a group plan, or if you are enrolled in a group plan but it doesn’t cover the rest of your family, then you should be in the market for an individual or family plan. Also, if your current plan is too expensive or the benefits have changed for the worse, we can help you find health insurance that fits your needs.

If you are married or have a domestic partner, with or without children, we can probably save you money or expand your health insurance coverage affordably.

One provision that South Carolina health insurance offers is the use of a lower base age for a family plan. Health insurance rates are based on the age of the youngest adult in a household. For couples with children, a family plan is almost always the way to go in terms of cost and coverage. Couples without children and with an age difference can save money by purchasing a family plan rather than two individual ones. Couples close in ages may save money by getting individual plans. Contact Benefit Insurance Services serving Myrtle Beach, SC. We can show you how to save money on your health insurance, and possibly get you better coverage too. We’re here to make sure you have the health insurance you need.

If you live in Myrtle Beach, SC and don’t have health insurance, you are doing yourself a grave disservice. That’s because this type of coverage can help you live a happier and healthier life. Let us at Benefit Insurance Services show you how to best utilize that coverage for your health.

Find a Provider Who Can Assess Your Health Problems

First of all, you need to find a provider who is covered by your insurance. Most types of insurance will offer a specific area of coverage based on your location. Once you find the best treatment center for you, set up an appointment for a doctor (that your insurance will pay for entirely) and get assessed for any healthy issues that may be plaguing you.

Search Through Your Treatment Options to Find the Best for Your Needs

Once you and your provider find health problems that need to be addressed, you can use your health insurance policy to cover appropriate treatment types. Make sure that you and your doctor look through all of your available options and assess which one is the best for your policy.

Don’t Neglect Preventative Health Benefits

One of the best things you can do with your health insurance is to take advantage of preventative health screenings. These are almost always free with your coverage and ensure that you can catch problems early and treat them before they become severe. For example, free cancer screenings, child visits, contraceptive services, and immunizations will keep you healthy for years to come.

Getting the Help You Need

So if you live in Myrtle Beach, SC and want to use your health insurance wisely, please don’t hesitate to contact us at Benefit Insurance Services. We will work hard to identify the best policy for you and make sure that it covers your health needs.