Does your family have the right health care coverage?

Myrtle Beach, SC area families understand how important it is to have the right health insurance coverage. The team at Benefit Insurance Services is here to help you determine which type of coverage and policy is right for your family’s needs.

Finding the right health care coverage

Having the right health care insurance is very important for all families. If you are not provided this benefit through work, there are a number of different options that are available to you. Our team can help you determine which type of policy will work well for you as well as the amount of coverage that you need.

Deductible amounts and copay levels are two deciding factors that many people focus on while determining which policy to choose. If you are in relatively good health and only visit your doctor for an annual check-up, a high deductible policy may work for you. On the other hand, if you receive ongoing care, a lower copayment may be of greater importance to you.

Sitting down with a local agent who can review all of the available options is a great first step! Knowing what is available to you and then matching those options to your needs can help make the decision process a lot less stressful. Review your needs before your appointment so that you can use this time to gain a better understanding of how to best meet those needs.

Let us help you with your health care coverage needs!

If you live in the greater Myrtle Beach, SC area, you can rely on Benefit Insurance Services for all of your insurance needs. Let us help you find the right policy to provide the right health care coverage for your family. Call or stop by our office today!

South Carolina Health Insurance: How to Buy Health Insurance After You Graduate

Graduation is an exciting moment in life, but for so many adults, the day after begins to be filled with dread. What’s next? One thing you will worry about is how to cover your health insurance. There are options for you.

At Benefit Insurance Services, we want Myrtle Beach, SC graduates to be prepared for this life change when it comes to their health care. You can stay on your parent’s policy if you have been doing that, or you can seek health care options. 

A job with benefits can help as well, of course, but that doesn’t always happen right away. We can help.

Short-Term Health Insurance

Short-term health insurance is one option for health care that can provide coverage for you when you are undergoing a change in your existing coverage. This insurance will help you to fill the gaps in any coverage you had with your parents or a previous policy, and one with a new employer.

You will always have a waiting period with a new job before health care benefits will begin for you. Short term health insurance can bridge the gap between one policy and another while you are looking for work. 

You can get short-term health insurance for as long as 364 days now, and that includes options to renew for as long as three years in many cases. If you have just started work but need something before you can access that health care, you can purchase a three or six-month health care insurance policy. 

Get a Quote

When you have just graduated, the thrill of your new life after all your hard work is the prevailing feeling. When you have life’s details such as health care worked out, you will feel more relaxed about the next chapter. At Benefit Insurance Services, we can help Myrtle Beach, SC graduates find the relief of health care. Call us for a quote today.

Telemedicine: What it is and Why it’s Great

Have you ever wished that doctors still made house calls in Myrtle Beach, SC? Well, the days of house calls might be long gone, but telemedicine is the next best option! The team at Benefit Insurance Services want you to know that you have plenty of options for meeting your health care needs and telemedicine is just one of these tools that can be invaluable to you and your family.

What is Telemedicine?

Telemedicine is meeting and communicating with your physician through electronic means. This can include:

  • Telephone or video appointments and/or consultations
  • Talking to your physician by using email
  • Talking to or having a consultation with your doctor through a chat app (such as online over a website or on your mobile phone)

What are the Benefits of Telemedicine?

Telemedicine is a fast, easy and convenient way to access medical care. There are many benefits to using Telemedicine, such as:

  • Financial Savings: Using telemedicine means spending less time commuting to appointments, which saves on items such as gas, childcare or lost time at work. There have also been research studies completed which found that people who use telemedicine are less likely to end up in the hospital, which can be extremely expensive.
  • Access to Care: Telemedicine makes it easy for anyone and everyone, including those with transportation difficulties, the disabled and elderly.
  • Convenience: Telemedicine is extremely convenient! Patients can get care from their own homes, which can solve a number of reasons why patients might put off getting care.
  • Slowing Infection Spread: Telemedicine reduces the risk of being in close quarters with others who might pass along infections.

Get all your questions about telemedicine answered by calling the professionals at Benefit Insurance Services serving Myrtle Beach, SC today!

Health Insurance Can Provide Peace of Mind

There are many ways to improve your peace of mind, and one of those ways is through health insurance. Good health is a precious commodity, and being able to handle any health issues without putting your family and assets at risk also matters. With the right insurance policy, you’ll be more likely to have that opportunity. At Benefit Insurance Services, we want all of our Myrtle Beach, SC area customers to get the support and guidance they need to make wise insurance choices. We’re here to help answer your questions, so you can choose a policy that meets your needs.

The level of security that comes with good insurance is easier to attain when you work with trusted professionals who care about your policy and coverage needs. Whether you’re trying to protect your health so you can keep doing the things you love, or you’re more focused on caring for your family if you experience a medical event, the right policy could make all the difference. Trusted insurance agents who can give you the information you need are important, so you have a policy you can rely on and feel good about.

If you’re in the Myrtle Beach, SC area, come see us today at Benefit Insurance Services. We’ll be here to give you information and help you choose the right health insurance policy. Then you can get back to living your life and doing all the fun things you want to do, without worries about proper insurance coverage. Not only will you feel more comfortable, but your family could also have additional peace of mind knowing that they’re better protected, as well. Taking care of your health is important, and a big part of that is ensuring that you have coverage to protect you if a medical issue happens. We can help with that.

Why is it a good idea to get health insurance in South Carolina?

When you are looking for a great place to live, Myrtle Beach, SC continues to be a great option. This area of South Carolina offers a lot of benefits and amenities, which can include great weather and beach access. For those that do live here, having the right insurance coverage is important. One important part of any personal insurance plan is health insurance. There are several reasons why having health insurance is so important and a good idea.

Ensures Access to Care

One of the advantages that comes with having proper health insurance is that it can provide you with access to healthcare. Those that have a proper health insurance policy are going to receive the coverage that is necessary to see a primary care physician and receive medication. It can also ensure that if you are injured or become ill, you can receive affordable care to recover.

Legal Requirement

Another reason that you need to get health insurance in South Carolina is that it is a legal requirement. Today, people are obligated by law to get health insurance for themselves and their dependents. If you do not have a proper health insurance policy, you could be penalized in the future when you go to pay your taxes at the end of the year. 

There are many situations when having health insurance is a good idea for someone in the Myrtle Beach, SC area. When you are looking for a new policy here, you should call the team at Benefit Insurance Services. Since picking a policy can be challenging and complicated, calling Benefit Insurance Services can be a great option. The team here is able to assess your situation and explain all of your options to you, which will help you make an educated decision about your next policy. 

Paying More for Health Insurance Doesn’t Guarantee You the Best Coverage

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!

When should you get a health insurance policy?

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.

Protect Your Health With Vaccinations

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. 

Must you Have Health Insurance on Dependents?

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.  

Don’t Get South Carolina Health Insurance Without Reading This

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.