Long-Term Care Costs in South Carolina

November 3, 2011
Long-Term Care Costs in South Carolina
How Much Does Long-Term Care Cost in South Carolina?

Long-term care costs can be extraordinarily high.  Much of the cost is determined by how and where you receive it.  Not only do costs vary significantly throughout the United States as a whole, costs can also vary drastically at the state level also.

In 2011, the average cost of nursing home care (semi-private room) in South Carolina is approximately $63,875 annually.  A private room in a nursing home facility is South Carolina averages $67,525 per year. 

For those South Carolinians that who wish to live in their own home instead of a nursing home facility, the 2011 average annual cost of a home health aid is approximately $38,896.

For more information and competitive quotes on long-term care insurance in South Carolina, please visit www.carolinaquoter.com
 

Choosing the Right Medicare Supplement

October 16, 2011
The majority of Medicare beneficiaries are constantly inundated with a wide variety of advertisements and mailings, but the fact remains that few individuals truly understand their coverage options. With all of the recent cuts to the Medicare Advantage programs, many consumers need to make a change before they are adversely affected with higher out of pocket costs or doctors that will no longer accept their plan. The good news, however, is that there are more Medicare supplement programs avai...
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Gerber Medicare Supplements

February 2, 2011


Gerber Life is an established company offering outstanding life insurance products since 1967. The company has long had the goal to address the needs of families of all sizes. The primary goal of Gerber Life is to provide protection and financial security to its customers throughout their lifetimes by offering affordable insurance and financial products. Gerber life Insurance Company is pleased to now offer Medicare Supplement insurance to its $33 billion life insurance bouquet. The Medicare ...
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The Pre-existing Condition Insurance Plan Benefit of the Affordable Care Act

February 2, 2011


The Patient Protection and Affordable Care Act was signed by President Obama on March 23, 2010. The provisions of the law are going to take effect over the next four years. Among other benefits, this new legislation has the potential to make health care more available and affordable for many Americans who presently do not have coverage. One of the main advantages of the new law is that people who have children up to the age of 19 with pre-existing medical conditions can now purchase health in...
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Choosing the Right South Carolina Health Insurance Plan: A Basic Guide

November 3, 2010


Navigating the individual health insurance super highway has never been more difficult. Health care reform law has created multiple speed bumps, making the decision process more complicated. Not only does the South Carolina consumer need to consider basic options such as co-insurance percentages, deductibles, premium amounts, type of health insurance (PPO, HMO, POS, HSA, Supplement, etc.), one now needs to consider the implications associated with the new health care reform legislation and th...
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Health Insurance for the Self-Employed

October 31, 2010

Many experts would agree that if you are self-employed in South Carolina, you should purchase a competitive Health Savings Account (HSA) plan. An HSA plan also known as a qualified high deductible plan (QHDHP), is typically lower in premium cost compared to a traditional 80/20 coinsurance plan with a copay and prescription coverage.

Health Savings Accounts have many advantages over traditional health insurance plans.

1) HSA health insurance plans have lower premiums and thus are more affordable...
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Use Caution When Filling Out a Health Insurance Application

October 31, 2010


When filling out a South Carolina health insurance application, be sure to cross all of your T's and dot all of your I's. Read the application thoroughly. Health insurance companies want to accept applications from those people that are of average or better than average health. They do not want to accept applicants that are likely to have large medical expenses in the future. After all, health insurance companies are profit making entities.

Inaccurate information on a South Carolina health ins...
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Health Insurance and Pregnancy

October 31, 2010
What type of health insurance coverage should I be seeking if I decide I want to become pregnant?

Someone deciding to become pregnant would be very fortunate if their employer offered group health insurance. HIPAA laws require employers to cover maternity and offer health insurance coverage to newborns regardless of any preexisting conditions. If you or your spouse work for a company that offers employer-sponsored health insurance benefits, then both mother and baby will be covered. If you or ...
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Health Insurance Buying Tips

October 31, 2010

Buying health insurance can be a complicated task but it does not have to be that way.  Here are some basic tips when it comes to shopping for health insurance in South Carolina.

    *Be sure you feel comfortable with the insurance carrier.  Your state Department of Insurance has information on every health insurance carrier operating in your state.  A financially sound insurance company with a long history in your state is likely to be around tomorrow.  The last thing anyone wants to de...
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Healthcare Reform in South Carolina - The Basics

October 25, 2010

Healthcare Reform is a result of two massive bills being signed into law by President Obama. The primary purpose of the law is to provide health insurance to the estimated 30 plus million Americans who currently do not have health insurance. Many of the details of the new law are forthcoming.
In South Carolina, determining the impact Health care Reform will have on you and your family will have a lot to do with whether your health insurance plan has grandfathered or non-grandfathered status. S...
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South Carolina Life & Health Insurance Agent


Trey Norwood Trey Norwood is an independent life insurance and health insurance consultant in South Carolina. He specializes in annuities, long-term care insurance, individual health insurance, group health insurance, life insurance, final expense insurance, Medicare supplement insurance and Medicare Advantage. He provides annuity, long-term care insurance and life/health insurance quotes from top-rated life, health and Medigap insurance carriers operating in South Carolina. Trey Norwood is a recognized expert in the individual health insurance and group health insurance market in South Carolina. If you are self-employed, retired, or just tired of paying too much at work for life and health insurance in South Carolina, Norwood can help.

 

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