Business Details
50+ Years
experience
Your Trusted Health Insurance Partner in South Carolina
Established in 1962, we have dedicated six decades to providing expert health insurance guidance across South Carolina. Our agency specializes in helping individuals, families, and employers navigate complex insurance options with personalized solutions tailored to their unique needs. With three locations in Charleston, Columbia, and the Upstate region, we serve as a trusted resource for comprehensive health coverage advice. Our team of licensed professionals prioritizes transparency, offering no additional costs for our services while representing multiple carriers to ensure clients find optimal plans. Recognized as one of South Carolina's leading general agencies, we combine deep industry knowledge with localized expertise to deliver reliable insurance counsel. Our commitment extends beyond policy saleswe focus on long-term client education and support throughout their coverage journey.By maintaining partnerships with five major organizations offering 53 products statewide, we provide access to diverse options while emphasizing clear, jargon-free communication. Our experience spans generations, adapting to evolving healthcare landscapes while maintaining core values of integrity and client-first service. We actively collaborate with Medicare.gov and state programs to ensure clients understand all available options, and our multi-channel accessibilityincluding phone consultations and office visitsreflects our dedication to convenience. Through consistent service excellence, we have built a reputation as a dependable insurance advisory partner for South Carolinians at every life stage.
Services
Health Insurance
Medicare Plans
Group Insurance
Specialty Products
Telehealth Services
Details
- Year established: 1962
Highlights and features
- We have over 60 years of experience in health insurance advisory services
- We offer personalized guidance at no additional cost to clients
- We represent multiple carriers to provide diverse coverage options
- We maintain three convenient locations across South Carolina
- We combine generational expertise with up-to-date industry knowledge
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families. Our licensed agents help clients understand ACA-compliant marketplace plans and employer-sponsored options. With access to multiple carriers, we match clients with coverage that balances premium costs, deductibles, and provider networks to meet their specific healthcare needs while maintaining budgetary constraints.
Medicare Plans
Our specialists assist seniors in navigating Medicare enrollment and supplemental coverage options. We explain Part A/B/D distinctions, Advantage plans, and Medigap policies while considering prescription needs and existing health conditions. By analyzing 53 available products across South Carolina counties, we help clients optimize their Medicare benefits while coordinating with State Health Insurance Programs for complete coverage understanding.
Group Insurance
We design customized group health insurance solutions for businesses of all sizes. Our services include plan selection, employee enrollment assistance, and compliance guidance with state and federal regulations. Employers benefit from our carrier relationships to secure competitive rates while ensuring comprehensive coverage options that attract and retain talent through varying workforce demographics and healthcare requirements.
Specialty Products
We offer specialized insurance products addressing unique healthcare needs beyond standard coverage. This includes short-term medical plans, dental/vision riders, and critical illness supplements. Our agents evaluate clients' specific risk factors and healthcare utilization patterns to recommend appropriate add-on products that fill coverage gaps while maintaining cost-effectiveness within their overall insurance portfolio.
Telehealth Services
We facilitate access to telehealth solutions integrated within select insurance plans. This service connects policyholders with licensed physicians for remote consultations regarding non-emergency medical issues. Our guidance ensures clients understand how to utilize virtual care benefits included in their coverage, including mental health counseling, prescription management, and specialist referrals through secure digital platforms available 24/7.
People
David Gilston
Founder
David Gilston established the agency in 1962 with a vision to simplify health insurance access for South Carolinians. His legacy of integrity and client-focused service continues through the agency's three-location network. He pioneered partnerships with major carriers that now offer 53 products statewide.
Questions
How do I determine which health insurance plan works best for my family?
Our licensed agents analyze your household's medical needs, budget, and preferred providers to recommend suitable ACA-compliant plans. We explain deductible trade-offs, network limitations, and prescription coverage details to help you make informed decisions.
What Medicare enrollment assistance do you provide for seniors?
We guide clients through initial enrollment, annual open enrollment, and special enrollment periods. Our specialists explain Part A/B/D coordination, Advantage plan comparisons, and Medigap options while considering existing health conditions and prescription requirements.
Can small businesses get customized group insurance plans through your agency?
Yes, we create tailored group health solutions for businesses with 2-50 employees. Our services include plan design, carrier selection, employee education sessions, and ongoing benefits administration support to ensure compliance with changing regulations.
What areas of South Carolina do you serve?
We maintain physical offices in Charleston, Columbia, and the Upstate region. Our services cover all South Carolina counties, with plan availability determined by your specific county of residence through our carrier partnerships.
