southern charm insurance insurance
Protection with a smile. :)
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The insurance protection you need for life's other mishaps.
Health
Insurance
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Wellness visits
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Maternity
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Children's Vision
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Children's Dental
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Pre-existing conditions
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Tobacco use
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Overweight/Underweight
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Mental health treatment
Health insurance coverage doesn’t have to be difficult to understand. A basic, compliant medical plan will cover at minimum the following:
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The Affordable Care Act (ACA) has created enrollment periods, minimum essential coverages, premium tax credits, cost-sharing tax credits and many more confusing regulations.
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Many individuals now qualify for HELP paying their monthly premium but the determination process can be tricky and time-consuming. Let us do the heavy lifting to qualify you for the most help.
Life
Insurance
Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
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The right time is NOW for reviewing your life insurance needs.
INSURANCE
HOURS & LOCATION
Location
Hours
Monday - Friday
8 am to 6 pm
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Feel free to call us anytime if you're faced with an insurance emergency.
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About 39.6 percent of men and women will be diagnosed with cancer.
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In 2014, an estimated 15,780 children and adolescents ages 0-19 were diagnosed with cancer and 1,960 died from the disease. (Cancer facts)
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Heart disease is the number one cause of death for both men and women in the U.S., killing about 1 million people yearly.
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In the U.S., somone has a heart attack every 34 seconds. Someone dies every 60 seconds from heart disease. (Heart facts)
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Hospitalization indemnity-pays YOU if you're admitted to the hospital.
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Cancer supplement-pays YOU if you're diagnosed with cancer.
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Critical Illness supplement-pays YOU if you're diagnosed with a critical illness
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Injury supplement-pays YOU for most types of injuries.
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Disability-supplements your income if you're unable to work because of a disability.
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Vision insurance
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Dental insurance
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Other
Insurance
Medicare
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Original Medicare consists of Part A and Part B which covers 80% of many services including inpatient and outpatient procedures, doctor visits, imaging and more. You're responsible for the remaining 20% billed amounts.
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Original Medicare DOES NOT cover prescription medicines.
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You have several options to help cover that 20% remainder including Medicare Advantage Plans or Medicare supplements.
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Whether you're turning 65 or nearing your 24th month on Social Security disability benefits, WE CAN HELP!
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Becoming Medicare eligible means you're at an important segment in your life. Choosing the right plan with the right coverage can become complicated and taxing. The good news is you don't have to do it alone.
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To read the latest on Medicare, you can simply CLICK HERE.
Let us hold your hand while we cross this bridge together.
