Licensed in South Carolina & North Carolina
Medicare and health insurance, explained by people who actually explain it.
We're Wade and Victoria Shiu, pharmacists and licensed insurance agents. We help families across the Carolinas find honest, affordable coverage, and it costs you nothing to talk to us.
INSURANCE PACKAGES FROM CARRIERS
Insurance Partners
Where do you fit?
Pick the one that sounds like you and we’ll take it from there.
What we do
Everything under one roof
Medicare, health, life and everything in between. One licensed agent who knows your whole picture, not five companies who each know one piece of it.
Medicare
Advantage, Supplement and Part D, explained without the jargon.
Learn about MedicareACA / Marketplace
Also called Obamacare. Subsidy help and enrollment, done properly.
Learn about ACA / MarketplaceIndividual & Family Health
Coverage when you don't get it through an employer.
Learn about Individual & FamilyLife Insurance
Term, whole and universal, matched to your budget.
Learn about Life InsuranceFinal Expense
Cover funeral costs and outstanding debts, so your family doesn't have to.
Learn about Final ExpenseDental & Vision
Affordable add-on coverage for individuals and families.
Learn about Dental & Vision
Why us
Twenty years behind a pharmacy counter changes how you see insurance.
I spent over 20 years as a pharmacist. In that time I watched people walk up to the counter, find out what a medication cost, and quietly decide to go without it. Not because they were careless. Because their plan didn’t cover it properly and nobody had ever told them there were other options.
I couldn’t fix that from behind the counter. So I learned this side of it instead. Now when someone tells me what they take, I already know what it costs, which tier it sits on, and which plans handle it better.
Wade Shiu — licensed insurance agent and pharmacist
Expert advice
Licensed agents who listen first and recommend second.
Affordable coverage
We compare the whole market, not one company's shelf.
Personalised service
Built around your doctors, your medications, your budget.
Ongoing support
We don't disappear after enrollment. We review it every year.
How it works
Four steps, and we do most of the work
1
Schedule a call
Don't know where to begin? Book a time and we'll walk you through it.
2
Meet your agent
Personalised guidance and answers based on your actual situation.
3
Compare your options
We check your doctors, your medications and your real total cost.
4
Get covered
We handle the application and stay with you afterwards.
Free review
A free review, and here's exactly what we check.
- Are your doctors still in network?
- Are all your medications covered, and at what tier?
- Is your hospital still contracted?
- What's your real total cost, not just the premium?
- Is there a better plan you were never shown?
It costs you nothing. The carriers pay us, not you. And sometimes the honest answer is that you’re already in the right plan.
Client stories
What it actually looks like when this goes right
Where we work
Licensed where you live
Plans, networks and hospital contracts are all state specific, and they change. We live here, our clients are our neighbours, and when this market shifts we usually know before they do.
Common questions
The things people ask us most
No. Nothing at all. We're paid by the insurance carriers, not by you, so your premium is exactly the same whether you find a plan yourself or we find it for you. The difference is that we compare the whole market instead of one company's shelf.
Yes, same thing. The Affordable Care Act is the law, Obamacare is the nickname it picked up, and the Marketplace is where you shop for those plans. Three names, one thing.
Not necessarily. If you or your spouse are actively working and covered by an employer group health plan, you can usually delay Parts A and B without a penalty. Once that coverage ends, you get an eight-month window to enrol. Missing it can mean a permanent late penalty, so it's worth knowing your dates.
Often, yes. A qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new county can open a Special Enrollment Period. There are timing rules, so it's worth checking rather than assuming.
That depends on the plan, and it's the first thing we check. Networks change every year and nobody calls to tell you. We confirm your doctors, your hospital and your medications before recommending anything.
Not sure if you're in the right plan?
That’s the most common reason people call us, and finding out costs nothing.
Get my free review
Or call us on (803) 415-7794
Common questions
The things people ask us most
No. Nothing at all. We're paid by the insurance carriers, not by you, so your premium is exactly the same whether you find a plan yourself or we find it for you. The difference is that we compare the whole market instead of one company's shelf.
Yes, same thing. The Affordable Care Act is the law, Obamacare is the nickname it picked up, and the Marketplace is where you shop for those plans. Three names, one thing.
Not necessarily. If you or your spouse are actively working and covered by an employer group health plan, you can usually delay Parts A and B without a penalty. Once that coverage ends, you get an eight-month window to enrol. Missing it can mean a permanent late penalty, so it's worth knowing your dates.
Often, yes. A qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new county can open a Special Enrollment Period. There are timing rules, so it's worth checking rather than assuming.
That depends on the plan, and it's the first thing we check. Networks change every year and nobody calls to tell you. We confirm your doctors, your hospital and your medications before recommending anything.