Business Details
50+ Years
experience
Trusted Health Insurance Solutions in South Carolina
Established in 1962, the David Gilston Insurance Agency has served South Carolina residents for over six decades, specializing in health insurance solutions for individuals, families, and employers. Our team of licensed professionals provides personalized guidance to help clients navigate complex insurance options, including Medicare, major medical, short-term plans, dental, life insurance, and group benefits. We maintain a reputation as one of the state's leading general agencies by prioritizing client needs and offering no-cost consultations.With offices in Charleston, Columbia, and the Upstate region, we combine local expertise with comprehensive market access to deliver tailored insurance strategies. Our commitment to transparency ensures clients receive accurate information about plan availability, government subsidies, and enrollment requirements without hidden fees or obligations.
Services
Health Insurance
Medicare Plans
Group Insurance
Dental Coverage
Life Insurance
Short-Term Medical
Disability Insurance
Travel Insurance
Details
- Year established: 1962
Highlights and features
- We offer 60+ years of experience in South Carolina health insurance markets
- Our agents provide personalized guidance without additional costs
- We represent five major insurance organizations with 53+ products
- We maintain dedicated service staff for claims, billing, and eligibility
- We offer comprehensive coverage options including Medicare and group plans
What people say
Positive feedback
Fantastic HR portal
Proactively seeking better options
Streamline open enrollment
Wealth of HR information
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families across South Carolina. Our licensed agents help clients navigate major medical plans, short-term coverage, and government-subsidized options. With access to multiple carriers, we ensure clients find affordable plans that meet their specific healthcare needs and budget requirements.
Medicare Plans
Our specialists assist seniors with Medicare enrollment and supplemental coverage options. We offer Part C and D plans, Medigap policies, and prescription drug coverage. Through personalized consultations, we help clients understand eligibility requirements and select plans that provide optimal coverage for their specific medical needs and prescription medications.
Group Insurance
We help businesses design comprehensive employee benefit packages including health, dental, life, and disability insurance. Our team provides market analysis, competitive quoting, and implementation support for groups of all sizes. We also offer HR administrative services and compliance assistance to streamline benefit management for employers.
Dental Coverage
We offer individual and group dental insurance plans that cover preventive care, major procedures, and orthodontic treatments. Our specialists help clients understand benefit structures, waiting periods, and coverage limitations. We provide options for both employer-sponsored and voluntary dental plans with competitive premium rates.
Life Insurance
Our agents provide term and universal life insurance solutions to protect families and businesses. We offer simplified issue policies and traditional underwritten plans from top-rated carriers. We help clients determine appropriate coverage amounts based on financial obligations and future needs while ensuring competitive premium rates.
People
Melanie Jackson Ensminger
President
Melanie Jackson Ensminger leads the agency with over 25 years of insurance industry experience. She focuses on strategic growth while maintaining the agency's commitment to personalized service and client satisfaction.
Karen McCray
Chief Financial Officer
Karen McCray manages financial operations with FLMI, ACS, and AIAA designations. Her 20+ years in insurance finance ensure the agency maintains strong fiscal stewardship while delivering value to clients.
Tricia Fisher
Director of Client Relations
Tricia Fisher oversees client relations with expertise in benefit program implementation. She specializes in streamlining open enrollment processes and ensuring compliance with evolving insurance regulations.
Denise Goettsch
Director of Internal Operations
Denise Goettsch manages internal operations with focus on service excellence. She coordinates team resources to maintain the agency's high standards for client support and administrative efficiency.
Kristy Clark
Group Sales Specialist
Kristy Clark provides dedicated group insurance support with deep knowledge of employer benefit solutions. She helps businesses implement cost-effective coverage options while maintaining personalized service for policyholders.
Questions
What insurance products do you offer?
We offer health, dental, life, disability, Medicare, short-term, and travel insurance for individuals and groups. Our specialists help clients select appropriate coverage based on their specific needs.
Do you charge for insurance consultations?
No, our insurance consultations are completely free. We work with clients at no additional cost to help them understand their options and select appropriate coverage.
How can employers benefit from your services?
We help employers design comprehensive benefit packages, streamline HR processes, and maintain compliance. Our team provides market analysis, competitive quoting, and ongoing administrative support for group insurance plans.
Are you affiliated with specific insurance carriers?
We represent five major insurance organizations offering 53+ products in South Carolina. This allows us to provide diverse options while maintaining personalized service for all clients.
How do you help with Medicare enrollment?
Our specialists guide clients through Medicare Part C/D enrollment, Medigap policies, and supplemental coverage options. We explain eligibility requirements and help select plans that match individual healthcare needs.
What areas do you serve?
We primarily serve South Carolina with offices in Charleston, Columbia, and the Upstate region. Our services support clients throughout the state for individual and group insurance needs.
