About Alpine Advantage Health Insurance
Alpine Advantage Health Insurance is a locally owned, independent insurance agency serving Lancaster, South Carolina and surrounding communities in both South Carolina and North Carolina. We specialize in Medicare Advantage, Medicare Supplement, Prescription Drug Plans (Part D), and additional health and life insurance solutions designed to support individuals, families, and seniors at every stage of life. Our focus is on education, clarity, and personal service, so our clients can make informed decisions without confusion or pressure.
What sets us apart is our client-first approach. As an independent agency, we are contracted with multiple insurance carriers, allowing us to compare coverage options objectively and recommend plans based on real needs, not sales quotas. We take the time to review doctors, prescriptions, costs, and long-term considerations, and we remain available long after enrollment for ongoing support and annual coverage reviews. At Alpine Advantage Health Insurance, we believe insurance guidance should be local, accessible, and built on trust—because lasting relationships matter.
Richard L. Smith
Owner and Lead Agent
With over 12 years of experience, Alpine Advantage Health Insurance is led by our owner and lead agent, Richard L. Smith, from our locally owned office in Lancaster, South Carolina. We help individuals, families, and seniors navigate Medicare, health, and life insurance with clarity and confidence. As an independent agency contracted with multiple insurance carriers, we compare plans based on doctors, prescriptions, healthcare needs, and budget—so our clients receive solutions that truly fit, not one-size-fits-all recommendations.
Richard’s approach to insurance is shaped by a lifelong career in protection and service. He is the retired Sheriff of Chester County, South Carolina, a military veteran, and a retired member of the South Carolina Army National Guard who served in Iraq from 2004 to 2005. Under his leadership, Alpine Advantage Health Insurance has grown into a trusted, multi-agent agency with a physical storefront in Lancaster and multiple local awards for service excellence. Guided by integrity, transparency, and community involvement, we remain committed to providing honest, pressure-free guidance and long-term support our clients can rely on.
Our Team of Advisors
Meet our dedicated team of experienced insurance brokers. We work together to create a personalized plan and find the coverage that works for you. Service is at the heart of what we do.
Howard Williams
Medicare Advantage & Prescription Drug Plan Specialist
Howard Williams is a licensed Medicare insurance agent with Alpine Advantage Health Insurance who specializes in Medicare Advantage plans and Medicare Part D prescription drug coverage. He is known for his clear explanations and methodical approach, helping clients confidently compare plan options based on their doctors, prescriptions, and overall costs. Howard is committed to ensuring clients understand their coverage and feel secure in their Medicare decisions.
Sam Rinard
Licensed Medicare & Health Insurance Agent
Sam Rinard is a licensed Medicare and health insurance agent with Alpine Advantage Health Insurance who assists clients with Medicare, health insurance options, and ongoing plan support. Sam is highly regarded for his professionalism, attention to detail, and ability to simplify complex insurance information. His client-first approach focuses on education, transparency, and long-term relationships.
Scott Mason
Licensed Medicare & Client Support Specialist
Scott Mason is a licensed insurance agent who supports clients through Medicare enrollment, plan reviews, and ongoing service needs. He is known for his responsiveness and commitment to client care, working closely with individuals and seniors to ensure their coverage continues to meet their needs year after year. Scott serves as a reliable point of contact for clients seeking consistent, local support.
Heather Ravan
Licensed Health & Life Insurance Agent
Heather Ravan is a licensed health and life insurance agent with Alpine Advantage Health Insurance, assisting clients with Medicare-related coverage, individual health plans, and life insurance solutions. She takes an education-focused approach, helping individuals and families plan for both current needs and long-term financial protection. Heather is dedicated to providing thoughtful guidance and dependable service at every stage of the insurance process.
