Health & Dental
Insurance

At Benefit Concepts, we understand how important it is for you to provide your employees with competitive group health benefits. We also understand you have a strict budget to meet and your employees need affordable health insurance. Benefit Concepts was established to help employers in your exact situation.

Local Professionals Serving Local Businesses

As the leading health insurance broker in Charleston, we provide options and solutions to help you make an informed decision that meets your requirements. No matter the size of your organization, we will make your group health benefits for individuals, affordable health insurance or family health insurance experience for your employees seamless.

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Personal
Insurance

The insurance industry can be confusing and often hard to navigate. This is especially true when you are looking to find health insurance coverage for yourself. We believe you deserve to be well informed, understand all of your options, and find the most affordable health insurance.

We Work for You, Not the Insurance Companies

Benefit Concepts is here to save you time while giving you peace of mind knowing you have the right health insurance coverage. From the beginning, we are here to answer your questions, review your policies, explain benefits, and help you save money.

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Ancillary Coverages

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Affordable Health Insurance

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Medicare

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Personal Plans

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Medicare Supplement

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Personal Health Insurance

When looking for group health benefits, individual or family health insurance, Medicare, or affordable health insurance benefits for small business, we are one of the leading healthcare insurance companies in the Charleston, SC area. We know health insurance and will share our knowledge with you in a very transparent and simple format as affordable health insurance or group health benefits does not have to be complex. We also offer group dental insurance plans to ensure your family is covered.

We know that insurance needs vary on type of insurance that you are looking for and finding ways to meet them may seem complicated, but with our knowledgable staff at Benefit Concepts, we make it a whole lot easier. Whether you’re looking to provide health benefits for your employees or looking to find the right affordable health insurance coverage for your family, your needs have to be balanced with your budget. It can be enough to frustrate the best of us. You have specific requirements to satisfy and you need someone who can guide you to the best solution for you. We also help with Individual Coverage Health Reimbursement Arrangements, or ICHRA, if you need our assistance.

The team at Benefit Concepts has years of knowledge and experience navigating the world of insurance and benefits. We work diligently with you to understand what you need and find the best solution, from the best carrier, to help you meet those needs. The world of insurance coverage and benefits can be really frustrating, but it doesn’t need to be. We are here to help you.

Giving back in our community…

Benefit Concepts supports Lowcountry Food Truck Coalition Against Hunger with Lola’s Lumpia.

This will feed homeless people in our very own community.

What a few of our Clients say…

Christie Fulkerson is amazing! I have a specific type of medicine that is... expensive and she found the best plan to fit that need. She researched everything to double check it was in fact going to be covered and not give me any issues with pre authorization. She really an amazing health insurance agent. She knows her stuff, she’s very professional, and very sweet! I’m so thankful I was able to connect with her! Thank you again, Christie!!read more
Hilary J.
Hilary J.
15:37 12 Oct 21
Christi was a pro at finding insurance plans that fit our individual needs... within our family. She took time to explain our options which ultimately led us in the right direction. We are very thankful for her help and patience!read more
Cammy D.
Cammy D.
12:17 12 Oct 21
Christie is amazing. She is knowledgeable, extremely helpful and very nice. I... highly recommend her. If you need insurance she is the one to call.read more
RC R.
RC R.
15:43 05 Feb 21
We have been using Benefit Concepts for years and have always found Sara and... her team super helpful. She, Christie and Caroline were there for us this year when my husband qualified for Medicare and there were so many things to consider. They were poised to help up to the last minute (for my annual enrollment my fault)!read more
Amanda Graham B.
Amanda Graham B.
18:38 26 Jan 21
The people at Benefit Concepts were the best! We recently lost our health... insurance after 35 years and they were able to put us in a great plan for an even better price! They are knowledgeable and professional in every way and highly recommend them for anyone needing insurance!read more
Jim E.
Jim E.
13:54 20 Jan 21
I love this because I fealt “lost in a jungle” looking for the right health... card for me!Christy Fulkerson was such a professional and made my health care “shopping” a breeze!Thank you very much!Carroll Houtread more
triffie H.
triffie H.
14:28 11 Dec 20
Christie is a complete joy to work with. She has spent an inordinate amount of... time researching the best policies for my family. I highly recommend this group. Beyond my expectationsread more
Holly Cohen L.
Holly Cohen L.
22:34 09 Nov 20
Christie Fulkerson is knowledgeable, personable & responsive. Christie answered... all my health insurance questions with a confidence that signifies her experience with insurance. Definitely recommend Christie!read more
susan V.
susan V.
13:17 06 Nov 20
What a great group! Caroline is a joy to work with. She is quick to address... concerns and questions which is so important for someone like me who does not understand the healthcare system. Thanks Caroline!read more
Tracy T.
Tracy T.
14:51 30 Oct 20
I LOVE my insurance agent. I have used this firm for years. They are always... responsive and provide excellent help and information. I have recommended them to many folks over the years, who have also been satisfied. I would say the best in Charleston.read more
Elaine F.
Elaine F.
18:34 29 Oct 20
Every time I contact my Benefit Concepts representative I feel like I picked a... winner. The professionalism, concern, and empathy within this organization never fails to make me feel secure in my choices regarding my Medicare plans and elections.read more
David P.
David P.
23:30 29 Jul 20
I met with Sara when I became eligible for Medicare. Having it become my... primary insurance now made my current policy secondary. I needed help figuring out what was best for a Medicare Part D plan. She was most knowledgeable, friendly, and just amazing at how she analyzed and compared all of my information. I highly recommend Benefit Concepts Inc. to anyone needing insurance of any type.read more
Sally D.
Sally D.
18:56 28 May 20
Christie and Caroline were very helpful with getting my daughter an individual... plan when she turned 26. They met with us in person and were very knowledgeable! Within an hour, they helped my daughter get financial assistance and guided her in choosing the best plan for her. Overall, it was a great experience and I would recommend them ten times over. The best part was that it costs NOTHING to work with them!read more
Paula R.
Paula R.
13:50 22 May 20
When I Lost my group coverage, I knew that my husband and I needed health... insurance. Christie was able to help us transition from our group insurance coverage to individual plans and ease our frustration. The best decision we made. I would highly recommend Christie and Benefit Concepts.read more
Sandra C.
Sandra C.
23:54 04 May 20
Caroline is great to work with. She is both proactive in getting me timely... information and responsive to my questions. I know I can count on her to follow-up and work through any issues that come along.read more
Susan C.
Susan C.
11:02 04 May 20
Benefit Concepts is the administrator for my employer's benefit package and... they provide excellent service. Over the past 3 years I have needed various things (ID cards etc) and instead of telling me to wait for mail, our representative, Caroline Battey is always helpful in sending a copy email or answering questions about our insurance. Highly recommend to any company looking for new benefits.read more
Sharon C.
Sharon C.
15:33 01 May 20
Christie has always been so helpful in all of my interactions with her whether... they were over email or on the phone. The ins and outs of insurance confuse me but I know for a fact that Christie will take care of me. She genuinely cares about her clients and I appreciate her sincerity and kindness especially during this pandemic. You have a superstar employee so thanks Christie!read more
Margo S.
Margo S.
20:25 28 Apr 20
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Our Team

The team at Benefit Concepts has a wide range of experience and deep industry knowledge. The combined experience of our brokers, agents, and staff members allows us to offer you innovative solutions.

Simplifying Benefits

As a team, we share a passion for helping you make sense of the insurance industry. We strive to find benefits that fit your needs and budget.

Lynne Bernthal, benefit concepts | Specializes in affordable health insurance for individuals, family, seniors, employers, and employees. Also an expert with Medicare, Group Health Benefits for Employees, and Health Ins for individuals in Charleston, SC.

Lynne Bernthal

Lynne established Benefit Concepts in 1989. She is responsible for maintaining the long standing relationships of Benefit Concepts with their valued customers.

Sara Debaisi - Benefit Concepts | Specializes in affordable health insurance for individuals, family, seniors, employers, and employees. Also an expert with Medicare, Group Health Benefits for Employees, and Health Ins for individuals in Charleston, SC.

Sara DeBiasi

Sara’s business philosophy centers on differentiating Benefits Concepts from the large corporate firms that offer the “1 size fits all” view of the ever changing and highly complex world of Benefits and Insurance.

Mark Nash, benefit concepts | Specializes in affordable health insurance for individuals, family, seniors, employers, and employees. Also an expert with Medicare, Group Health Benefits for Employees, and Health Ins for individuals in Charleston, SC.

Mark Nash

Mark is responsible for providing insurance business acumen to the leadership of Benefit Concepts, specializing in the role of small business operations.

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Give us a call.

843-763-7718

Mon – Thur 8:30 – 5:00PM
Fri 8:30 – 3:30PM