Serving the Seniors of South Carolina for over 40 Years

We have been serving the Charleston, Berkeley and Dorchester community since 1980. We can help you with your need for Medicare Advantage plans, Medicare Supplements, Dental, Vision and even Life Insurance. This is not a blanket approach but an individualized plan for your specific needs. We are in a unique situation to know how you as a senior feels. Since going through the “turning 65” frustrations and finding the best solution for the need, we know how to help you.

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I understand that by providing the information above, an agent from Callander Insurance Services may contact me regarding health plan options.

Products We Offer

Medicare Advantage

An option instead of Original Medicare is a Medicare Advantage Plan. These plans work with a private company that contracts with Medicare to provide you the coverage benefits of Medicare Part A (Hospital Insurance), Part B (Medical Insurance), and even Part D (Prescription Drug Coverage).

Medicare Supplements

Are there any gaps in your coverage that you need to complete (such as copayments, coinsurance, and deductibles) that Original Medicare would not help with? Medicare Supplement Insurance, often known as Medigap insurance, are privately sold and assist in covering some of the uninsured medical expenses.

Prescription Drug plans

Medicare Part D comes in two forms: Stand alone Prescription Drug Plans (PDP Plans) OR Medicare Advantage Prescription Drug Plans (MA PD Plans). PDP Plans supplement traditional Medicare and MA PD Plans cover all Medicare benefits including prescription drugs.

Life Insurance

Although thinking about life insurance isn't particularly enjoyable, it's vital to consider what might happen if anything unexpected occurs. These insurance plans serve as a financial safety net for your family following your passing. They can pay for funeral expenses, hospital stays, estate taxes, and final expense payments.

Annuities

An annuity is a contract between you and an insurance company to cover specific goals, such as principal protection, lifetime income, legacy planning or long-term care costs. As tax-deferred investments sold by insurance companies, your annuity can provide an income that you can’t outlive once in retirement.

Final Expense

Final Expense Insurance, a form of Permanent LIfe Insurance, helps to cover the costs associated with someone’s passing. These include funeral costs, burial costs, and estate taxes. Planning ahead to make sure these are accounted for is a burden lifted off your shoulders when the time comes.

Dental & Vision

Our oral and visual health is no less important than that of the rest of our bodies. But Dental and Vision Insurance are often excluded from traditional health insurance. While a health insurance plan can aid in the cost of a broken arm or a skin infection, a chipped tooth or fading eyesight is left up to Dental and Vision Insurance.

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Turning 65? Confused about Medicare? Our independent insurance agents in Charleston, Berkeley and Dorchester, SC are here to help guide you through the maze of Medicare options to find the right plan for you. Give us a call or fill out our contact form today!

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I understand that by providing the information above, an agent from Callander Insurance Services may contact me regarding health plan options.