Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Charleston

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Charleston Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2107Reviewed

1266Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7 Gamecock Ave #709, Charleston, SC 29407
WebsiteLicense: 1912939875
Website

Expertise.com Rating

Review Sources

Google
5.0 (64)
Facebook
5.0 (6)

Why choose this provider?

Medicare Blueprint Advisors, LLC, is a health insurance company that serves clients in Charleston and nearby metro areas. The firm focuses on Medicare insurance, assisting individuals and families in choosing the health benefits that best suit their needs. Its independent insurance agents represent multiple insurance carriers that can offer Medicare Supplement and Medicare Advantage plans. The company is led by Jason Mackey and Tim Hanbury, authors of the book "Medicare Blueprint™: A Just-The-Facts Approach To Designing Your Medicare Benefits".

  • Health Insurance
  • Medicare

6650 Rivers Ave, Charleston, SC 29406
WebsiteLicense: 3001614412
Website

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
3.4 (5)

Why choose this provider?

Health Insurance Solutions Team serves individuals and small businesses throughout the Charleston metro. For over 15 years, the full-service company has been offering health share medical plans, Affordable Care Act (ACA) access, supplemental health insurance, and group medical benefits through carriers like Aetna, Humana, and Blue Cross Blue Shield. It also delivers travel medical insurance for tourists, expats, and temporary workers. The company aims to assess clients' needs, design a plan for them, guide them through the enrollment process, and provide them with ongoing support.

  • Life Insurance
  • Health Insurance
  • Long Term Care

451 Folly Rd., Charleston, SC 29412
WebsiteLicense: 8377029

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Flaherty Insurance Group provides a variety of life insurance and retirement investment packages to clients throughout the Charleston metro. The group is certified to assist clients in obtaining Medicare Advantage plans, Medicare Supplement insurance, and Medicare Part D, Prescription Drug plans. Additionally, the agency partners with clients to create retirement and investment plans and acquire Medicare, Supplemental Health insurance, and Medicaid solutions. It collaborates with various insurers, including WellCare Health Plans, TransAmerica, Humana, and Genworth.

  • Health Insurance
  • Medicare

1180 Sam Rittenberg Blvd Ste. 100, Charleston, SC 29407
WebsiteLicense: 1913334816
Website

Expertise.com Rating

Why choose this provider?

Benefit Concepts addresses the insurance needs of individuals and families in Charleston and the surrounding areas. It has been serving the community for over 30 years, providing personal health insurance coverages from Blue Choice Health Plan, Blue Cross Blue Shield of South Carolina, and United Healthcare. It also offers Medicare plans from various carriers, including Aetna, Humana, and Silver Script. Its agents aim to educate the clients on their benefit options, providing claims follow-up and resolution assistance.

  • Individual Plans
  • Group Plans
  • Health Insurance

1527 Sam Rittenberg Boulavard, Charleston, SC 29407
WebsiteLicense: 1904534225
Website

Expertise.com Rating

Review Sources

Google
5.0 (105)
Facebook
5.0 (33)

Why choose this provider?

Pilothouse Insurance is an independent agency that has been serving clients in Charleston since 2005. It helps individuals and businesses find health and life insurance coverage options by reviewing coverages and creating an insurance protection plan that meets their needs. It offers coverage for home health care, nursing home expenses, short-term disability, and family life protection. In addition, the company offers homeowners', renters', automobile, and elderly care insurance solutions. Nonprofit insurance programs are also available.

  • Health Insurance
  • Individual Plans
  • Group Plans

80 Ladys Island Drive, Charleston, SC 29907

Expertise.com Rating

Review Sources

Yelp
1.0 (1)

Why choose this provider?

Low Country Insurance Services is a local and independent insurance agency established in 1977. Serving clients in and around Charleston, the company offers homeowners insurance, commercial insurance, and life insurance policies. Most of the company’s agents have more than two decades of industry experience. They represent more than 28 insurance companies, which allow clients to choose from an array of options. Low Country Insurance Services also provides individual and group health insurance policies.

  • Life Insurance

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • What is the South Carolina Health Insurance Pool, and how does it benefit Charleston residents?

    The South Carolina Health Insurance Pool provides health insurance for Charleston residents facing difficulty securing it due to medical reasons or exorbitant premiums over 150% of the pool rate. Funded by enrollee premiums and charges to health insurers and HMOs in South Carolina, SCHIP acts as a critical safeguard. It operates under Chapter 74 of Title 38 in the South Carolina Code of Laws and is overseen by a board of directors.

  • Are Charleston residents mandated to have health insurance under state or federal law?

    In Charleston, neither the Affordable Care Act, commonly known as Obamacare, nor South Carolina state law obliges residents to hold health insurance. Additionally, employers in the state aren't compelled to provide group health plans to their workers. However, having health coverage is advantageous in mitigating high medical costs related to unfortunate circumstances.

  • How does short-term medical insurance work in Charleston?

    In Charleston, short-term medical insurance is a temporary coverage option, lasting up to 330 days per policy and extendable to 33 months. Unlike plans under the Affordable Care Act, these don't adhere to federal requirements but offer essential coverage for unforeseen illnesses or accidents. Benefits often encompass telemedicine, eye check-ups, and prescription eyewear, either complimentary or at reduced rates, aiding in managing healthcare expenditures.

  • What do the terms 'deductible,' 'copay,' and 'coinsurance' signify in Charleston health insurance?

    In Charleston, a deductible denotes the initial amount individuals pay out of pocket before their insurance kicks in. Copays represent set fees individuals are charged for particular services, irrespective of whether they've cleared their deductible. Lastly, coinsurance describes the percentage of medical expenses individuals cover post-deductible, with the rest being footed by their insurance. Understanding these terms is essential for navigating healthcare costs effectively.

  • How do tax credits impact health insurance premiums for Charleston families?

    When families in Charleston qualify for a tax credit, the funds directly reduce the cost of their chosen health plan's premiums. These credits are advanceable, enabling immediate premium reduction upon enrollment without awaiting tax filing or processing. Furthermore, these credits are refundable, assisting families with minimal incomes who owe no taxes. Notably, many of these low-income families might qualify for Medicaid, exempting them from premium tax credits.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

Related Articles

FeaturedHow To Get Health Insurance

How To Get Health Insurance

In this article, we’ll explore the world of health insurance, providing insights into employer-sponsored plans, individual in...

Featuredcovid-vaccine-health-insurance-banner

Survey: 3 Out of 10 Think Unvaccinated Should Pay More for Health Insurance

We surveyed 600 adults, asking them questions, if they’ve gotten vaccinated, why they decided to get vaccinated, and if they ...