Senior Insurance Options, Inc. is your best source for finding solutions for your NC Health Insurance and SC Health Insurance needs. Our experience and knowledge of the Carolinas Health Insurance markets has allowed us to become a trusted resource for obtaining Health, Life, Long Term Care and Medicare Insurance plans in the Carolinas.
We will provide you with the information and guidance to make informed decisions about your insurance needs. We offer affordable Health and Life Insurance plans for individuals, families, small groups and seniors, at no obligation or cost to you.
- Individual Health Plans – We offer a wide choice of health insurance plan options to fit a variety of budgets. These plans offer large provider networks, access to specialists without referrals, plans with preventive care, prescription drug coverage available with access to large pharmacy networks. FAQ
- Maternity Coverage – Maternity coverage is available and offered by limited insurance carriers. In most cases, it is available for adult females that are not currently pregnant.
- Child(ren) Only Plans – We offer plans solely for your children, whether they are natural, adopted or foster. For these child-only policies, the child will be listed as the primary applicant.
- Dental Insurance Plans – We offer plans to assist with your dental cost with checkups, preventive services, cleanings, and other minor and major dental services.
- Health Savings Accounts (HSA’s) – This is a health coverage plan with lower monthly premiums. It combines a high deductible health plan (HDHP) with a health savings account (HSA), which enables you to pay for qualified medical expenses tax free (see www.irs.gov for specific regulations). FAQ
- Inclusive Health (Federal & State Risk Pool) – Insurance carriers are not required to offer health insurance to everyone. Individuals that have a current health condition, take medications, or have pre-existing conditions, need to explore all their options. Please let us know your medical history, so we can find the right plan for you.
- Medicare Advantage Plans – Also referred to as “Medicare Part C”. There are a variety of Medicare Advantage plans in the Carolinas. People who choose Medicare Advantage Plans typically have the choice to include or exclude prescription drug coverage in their policy.
- Medicare Prescription Plans – Also referred to as “Medicare Part D”. Medicare Prescription Drug coverage is complicated. There are many companies offering competing plans. The official Medicare website (www.medicare.gov) will be used to indicate your best options for the best coverage with the lowest annual cost out of your pocket.
- Medicare Supplement Plans – Also referred to as “Medigap Insurance”. There are ten supplement plans to choose from. They are standardized nationwide. Only the F-plan covers all of the gaps in Medicare while the others have out of pocket expenses. Click here for in-depth Medicare Benefit information.
- Group Health Plans – Choose from a variety of popular Major Medical plans, Supplemental Plans and Term Life plans to create a powerful package of benefits for your employees. Plans include a choice of deductibles, low co-payments for doctor office visits and wellness benefits, such as physicals, prescription drug coverage and unlimited lifetime benefits.
- Disability Insurance Plans – The financial consequences of a disability can be devastating. Disabilities are more common than you think. Three in ten workers entering the work force today will become disabled before retiring (Social Security Administration, Fact Sheet January 31, 2007).
- Life Insurance Plans – When you purchase life insurance you want a policy which fits your needs without costing too much. Your first step is to decide how much life insurance you need, how much you can afford to pay and the kind of policy you can get that meets your cost and coverage goals. FAQ
- Long-Term Care Plans – This is sometimes referred to as “Custodial Care”. Long Term Care (LTC) is most often provided by professional skilled and unskilled workers. LTC is the assistance or supervision you may need when you are not able to do some of the basic “activities of daily living (ADL’s) like bathing, dressing, eating or moving from a bed to a chair. FAQ
- Critical Illness – Critical illness insurance provides a payment if you experience a critical illness that is covered under the policy contract. A critical illness insurance payment is typically made in a lump sum and can be spent however you please. Medical conditions that qualify usually include serious injuries, diseases and major surgeries.
- Short-Term Health Plans – This is also referred to as “temporary health coverage”. It is health coverage for an individual for a short period of time, usually from 30 days to six months. Short-Term health insurance may be right for you if you are; (1) between jobs, (2) laid off, (3) a recent college graduate, (4) a seasonal employee, or (5) waiting for coverage from another health plan to start.
- Burial Insurance – Burial insurance (also known as funeral insurance) is a basic issue life insurance policy that covers people until they reach the age of 100 years old or death. Burial insurance is promoted as a way to pay in advance for your funeral expenses so that your loved ones won’t have to pay for your funeral.
- Department of Labor: www.dol.gov
- Department of Labor – Workplace Posters: www.dol.gov/elaws/posters.html
- HCFA – Centers for Medicare and Medicaid Services: www.cms.hhs.gov
- Social Security Administration: www.ssa.gov
- Medicare: www.medicare.gov
- Internal Revenue Service/IRS: www.irs.gov
- National Association of Insurance Commissioners: www.NAIC.org
- WebMD: www.webmd.com
- Seniors’ Health Insurance Information Program (SHIIP) www.ncdoi.com/SHIIP
- North Carolina Department of Insurance: www.ncdoi.com
- North Carolina General Assembly: www.ncleg.net
- South Carolina Department of Insurance: www.doi.sc.gov
- South Carolina General Statutes: www.scstatehouse.net/CODE/statmast.htm
- MEDEX programs are designed for individual business and leisure travelers, corporations, scholastic institutions, government contractors, non-profit organizations and insurance companies.
Long Term Care
- Kiplinger Letter: www.kiplinger.com
- Elder Law: www.elderlawanswers.com
- Hub Magazine: www.hubmagazine.net