(843) 697-6719
CONFUSED ABOUT
YOUR MEDICARE OPTIONS?
Nick Sarant, of Palmetto Medicare Health Services, is here to help! Nick is a licensed Medicare plan and health insurance broker servicing all of the Charleston, South Carolina Lowcountry. He'll walk you through all of your options so that you can make an informed decision about which plan is best for your needs.
Palmetto Medicare Health Services:
Finding the Right Charleston Medicare Plan For You!
If you're searching for "Medicare Charleston," you've come to the right place.
I'm Nick Sarant, of Palmetto Medicare Health Services, a Lowcountry independent broker who can help you find the perfect Medicare plan for your needs.
I understand that everyone's situation is different, which is why I offer a variety of plans to choose from. I'll work with you to find the best possible coverage at the most affordable price. Give me a call today to learn more about our "Medicare Charleston" services.
PEACE OF MIND THAT COMES WITH KNOWING YOU HAVE THE RIGHT MEDICARE INSURANCE PLAN
WHO WE ARE
Putting Customers First
As a Medicare insurance broker, I work with some of the top Medicare insurance companies in the state of South Carolina. I have a deep understanding of the different Medicare insurance plans available, and I work hard to get my clients the best possible coverage.
My clients are located all across South Carolina and the Charleston Lowcountry, so I'm familiar with what works in different areas. I use that knowledge to design Medicare insurance plans with a focus on low costs and proper benefit structure.
My goal is to help my clients get the coverage they need at a price they can afford. Contact me directly today to learn more about my Charleston Medicare insurance services.
TESTIMONIALS
A Reputation for Excellence
CHARLESTON MEDICARE OPTIONS
Licensed broker Nick Sarant offers Charleston Medicare Options that provide the best coverage and value available.
Nick Sarant is a licensed insurance broker in Charleston, SC, who specializes in helping people find the best Medicare coverage available. He offers a wide range of options, including Part D Prescription, Medicare Advantage, and Medicare Supplement (MediGap). He can help you compare and find the option that best meets your needs. Because he is independent, he can offer unbiased advice and help you enroll in the plan that is right for you.
If you are turning 65 or are already on Medicare, Nick can help you navigate the system and find the coverage you need. He offers free consultations, so you can get all of your questions answered. Contact him today to learn more about your Medicare options.
MEDICARE ADVANTAGE
Private firms approved by Medicare provide Medicare Advantage Plans, sometimes known as "Part C" or "MA Plans," which are health insurance plans provided through the government-regulated Medicare program. The plans are offered by private companies that contract with Medicare to provide all Part A and Part B benefits, often at a lower cost than Original Medicare, as well as often providing additional benefits such as dental, vision, and prescription drug coverage. If you enroll in a Medicare Advantage plan, you will receive all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage plan, not original Medicare. You will have to pay a monthly premium for your Medicare Advantage plan in addition to your monthly Part B premium. You will also continue to pay your Medicare Part B deductible and coinsurance. Nick Sarant is a Charleston, SC insurance agent who specializes in Medicare Advantage plans. He can help you choose a plan that fits your needs and budget, and he can answer any questions you have about how these plans work. If you are interested in learning more about Medicare Advantage plans, or if you have any questions about your insurance coverage, contact Nick Sarant today.
MEDICARE SUPPLEMENT
Medicare Supplement Insurance is designed to work alongside your Original Medicare benefits, helping to cover some of the out-of-pocket costs that Medicare doesn't cover. These plans are also known as "Medigap" plans. For example, Medigap plans can help cover costs like copayments, coinsurance, and deductibles. Relax knowing that you're protected from most of the unexpected costs Medicare doesn't cover. If you're interested in a Medigap plan, Nick Sarant of Palmetto Medicare Health Services can help. He's a Medicare Supplement Insurance agent who can help you compare plans and find the one that best meets your needs.
MEDICARE PART D
Part D is a prescription drug plan designed to help seniors and other Medicare beneficiaries pay for their medications. Part D plans are offered by private insurance companies and cover both brand-name and generic drugs. Because Part D plans are offered by private insurers, they vary in terms of cost and coverage. Part D plans typically have a deductible, an annual maximum out-of-pocket limit, and a coverage gap (also known as the "doughnut hole"). Part D plans may also offer some additional benefits, such as coverage for drugs not covered by Medicare Part B. Contact Nick Sarant of Palmetto Medicare Health Services, your Part D plan expert, to help you choose a plan that's right for you. Nick Sarant is a Charleston, SC insurance agent who specializes in Part D plans. He can help you compare Part D plans and choose the one that's right for you. He can also help you enroll in a Part D plan and make sure you're getting the most out of your coverage.
MEDICARE CARRIERS WE REPRESENT
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What is creditable coverage?This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid penalty.
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Can I keep my employer coverage?Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.
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Can I keep all my same doctors when I’m on Medicare?You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.
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Do I need to enroll in Part “A” and Part “B” of Medicare?Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them.
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What is a Part “C” plan?Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).
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I’m turning 65 this year and I plan to retire. When am I eligible to enroll into Medicare?Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.
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Should I have both a Medicare Advantage Plan and a Medicare Supplement Plan?No. You cannot have both at the same time.
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What is Part “D”?Part “D” is the Prescription Drug plan Medicare introduced in 2006.
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Where do I go to get signed up for Medicare?Online at SSA.gov or in person at a local Social Security office.
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What happens if I miss my designated enrollment window into Medicare?In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.
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Does Medicare have dental plans?No. But some Advantage plans offer limited dental coverage.
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Can I just have “Original Medicare” A+B as my health insurance at retirement?Yes. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.
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I am entitled to retiree benefits. Does that mean I won’t need Medicare?No, a retiree plan will typically wrap around Medicare primary benefits.
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Can my dependent spouse be on my Medicare plan?Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
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Does Medicare cover me if I’m in a nursing home?Yes, for up to 100 days, after a required three-day hospital stay.
Nick's Knowledge
Get the latest Medicare information from my blog. Learn about changes to Medicare, what's new, and how it affects you here in the Charleston Lowcountry. With regular posts on topics such as enrollment, benefits, and scams, our blog is a one-stop shop for all your Medicare needs.
