Affordable Care Act Leads to Alternative Group Health Plans

The complexity of the new health care laws and their increasing cost potential have many employers looking for a better way to purchase their health insurance. The Covenant Services Group, Atlanta Georgia has designed a program which provides greater latitude for employers in designing their coverage.

Covenant Services will be providing seminars in Savannah, Georgia and Bluffton, South Carolina on September 24th and 25th respectively to present the plan design to local employers. This new program targets employers from 10-200 employees, and brings to this size group some of the flexibilities that employers much larger have enjoyed for years.  The only method to truly control group health insurance cost is to educate employees not only on healthy habits but how to acquire treatment when it is necessary. For decades employers have utilized safety practices in their business to control workers compensation and auto claims, the new program design by Covenant Services Group is taking that same mindset in assisting employers to control health care costs.

The seminars are being sponsored jointly by the Covenant Services Group and Beacon Insurance Group.

If you would like to attend one of the two seminars, please RSVP here: Register for Seminar


Guest Blog: Ken Gort Talks Emergency Permitting on Hilton Head Island; Part II

Click Here to Read Part I

Here are a few examples of how I have helped over 100 of your island neighbors in securing their Emergency Permit and protecting their properties:

Fresh Market Shoppes on Wm. Hilton Parkway: The EP allows them to reconstruct 45 parking spaces currently located in the buffer that extends 50′ into the property from the R.O.W. per the latest Land Management Ordinance design standards. The potential loss of these spaces would have resulted in the retail shopping mall to have been approved to rebuild 5000-6000 fewer sf of rental space. The LMO determines the amount of allowable retail space based upon the number of parking spaces provided. Secondly, their primary property identification signage is nonconforming in both size and location. However it can be rebuild as it exists today due to the EP.

The Sokol Residence at 23 Driftwood Lane in North Forest Beach: Their home was built in the early 1800’s on an oceanfront lot. They currently have nonconforming buffer and setback issues on all 4 sides of the property. They also exceed the amount of allowable impervious surface area which includes roofs, drives, parking, decks and pool. The EP granted even allows them to rebuild a portion of the deck that extends beyond their property line into the South Carolina public beach strand.

The Hilton Head Boathouse Restaurant and Marina on Wild Horse Road: This property has significant nonconforming setback and buffer from the SC Coastal Council critical line along the wetlands. The property also has impervious surface, on site storm water detention and parking non conformities that would render the property impossible to be developed under the current LMO for its present mixed use.

In addition to securing Emergency Permits, Digital Docs also offers a service called “documenting what’s valuable”. We will visit your business and/or home to digitally photograph all your possessions. The fee for our standard package is $595. The services and product includes on site interior digital photography, all the photographs will be displayed in a presentation album with space available for the owner to identify and describe each item.

I can be contacted by email or by phone 843-384-6566 to answer your questions and provide a quotation of the fee to secure an Emergency Permit for your property.

Thank You,

Kenneth L. Gort, Architect, Owner of Digital Docs




Ken’s Interview with SouthCarolinaHomes: What Influences Your Home Insurance Policy?

South Carolina Homes reached out to us requesting an interview to discuss what concepts influence your South Carolina home insurance policy. Check out Ken’s quick interview here:

Check out my interview, What Influences Your Home Insurance Policy on South Carolina Homes For Sale, one of the top sites for South Carolina real estate, including Johns Island, SC homes for sale. South Carolina Homes For Sale also services North Carolina real estate and Georgia real estate.