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We are excited about the new technologies we are using to help manage your health plans and keep your coverage competitive. This will ultimately streamline our processes so we can serve you in a timely manner and provide the exemplary customer service you would expect and deserve. We will strive to make your experience as personal and informative as always. We look forward to serving you.

False Information is Circulating About Certain Add-On Insurance Plans

Gavin Barney featured in Post & Courier Article

SC Medicare customers warned that false info is spreading about supplemental plans

Medicare beneficiaries beware: The S.C. Department of Insurance is warning consumers that false information is circulating about certain add-on insurance plans they often buy.

The agency issued a notice because certain supplemental policies are being phased out, and that appears to have caused confusion. The department said it wants people to know they won’t be affected if they are 65 years old or will be by Jan. 1.

The plans in question are supplements to the core traditional Medicare coverage, also called Medigap. Customers can decide whether to buy them. In South Carolina, 25 percent of Medicare beneficiaries have the plans, according to the Kaiser Family Foundation. A law passed in 2015, taking effect next year, will change what kinds of coverage can be sold.

That is where some confusion and false information has stemmed from. Medigap coverage cannot be canceled, according to the alert.

“Any time we have changes people are going to have questions,” said Ray Farmer, director of the S.C. Department of Insurance. “We thought we would get out in front of this issue as best we could, to not only give an explanation but to let customers know we’re available.”

Farmer said the agency sent the alert after fielding calls from concerned consumers. Customers who already have this insurance — called plan F — will be able to keep it. And premiums are not expected to increase drastically, according to BlueCross BlueShield of South Carolina.

Gavin Barney, a broker and Medicare expert at Lowcountry Health Brokers, said he and others in the industry have not recommended the plan for several years.

“They modernized the plans and made some changes,” he said.

For most of his customers, he doesn’t predict the new law will make much of a difference.

In almost every instance, Barney has been selling an option that winds up being cheaper for almost the same benefits. Ten plans are available to choose from, and 50 companies sell the supplemental coverage in South Carolina.

When the law goes into effect, no plan on the market will help cover deductibles for medical office visits. That will be the biggest difference.

About 1 million South Carolina residents, a fifth of the state’s population, have Medicare coverage. While Medicare is administered through the federal government, private companies sell the supplemental plans for a monthly premium.


Brand New Lowcountry Health Brokers Website

health care providers in south carolinaLowcountry Health Brokers has a brand new website! Take a look around and let us know what you think. You can read more about our health insurance agency here and learn about our health care services here.

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We are a local, family owned business here in Goose Creek, South Carolina that is happy to advise residents of the lowcountry at no additional cost. Let us help you find the right doctors, drugs and the right level of medical insurance coverage in just minutes. Health coverage is more affordable than you may think. We are proud to offer multiple options that are cost effective. Check out our plans.

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