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 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 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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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 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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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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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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The health insurance industry is urging its customers to beware of phony telemarketers pitching health insurance deals. In the wake of healthcare reform, buyers need to be wary of scammers who tell them they need to buy a new health insurance policy because of the new law.

The pitches may come in the form of phony e-mails, fraudulent online ads, door-to-door or by way of pushy telemarketers. The scams promise a variety of bogus benefits or enticements such as “medical discount” cards. The ...
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For many in South Carolina, health insurance is readily available and provided by their employer or a family member’s employer. Unfortunately for others, health insurance is not readily available or affordable. For these people selecting the right type of health insurance can be quite confusing. These South Carolinians are required to get an individual health insurance plan that is purchased individually, as opposed to through an employer. Most people who need an individual health plan are ...
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The choice between term and whole life insurance in South Carolina has been a long debated issue. While a whole life insurance policy may have its benefits to those inclined to spend a high premium for permanent life insurance they may or may not need at a future point in time, many financial advisors feel that term life insurance is the wiser of the two choices. While it is important to weigh all of your needs and options before purchasing a life insurance policy, a term life insurance polic...
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Thinking About Omitting Health History on a South Carolina insurance Application?

DON’T! In this age of electronic information, life and health insurance carriers operating in South Carolina will uncover all of your health history. The insurance companies have an untold number of resources at their disposal to investigate your health history.

Insuran...
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