Julie H. Poncar, RHU, REBC
Agency Sales Representative

Julie Poncar's goal is delivering insurance products that match your needs and priorities. Take a moment to get to know her. It’s the first step in forming a trusted relationship that will result in a convenient and streamlined benefit package.

Advantage of having Julie as your agent:

Did you know that it will not cost you a penny more to utilize Julie's expertise than to purchase a health insurance policy online or direct from the insurance company? Wouldn’t you like to have a consultant as your advocate?

  • Julie has over 28 years of experience in training and advising insurance agents and clients
  • Julie is a consultant, not a sales person
  • She will keep you informed so that your plans stay in compliance in the changing benefits world
  • She will be more than an order taker; bringing alternate funding arrangements to the table
  • She holds a Bachelor Degree in Business Administration from the College of Charleston
  • Julie has earned the Registered Health Underwriter (RHU) and Registered Employee Benefits Consultant (REBC) designations from the American College
  • She Is currently pursuing the Chartered Healthcare Consultant designation and the Certificate in Healthcare Reform Studies from the American College
  • Julie is a Past Treasurer of South Carolina’s association for insurance professionals (SCAHU) and a Past President of the Low Country Association of Health Underwriters

Products Available

  • Medical
  • Dental
  • Life
  • Short Term Disability
  • Long Term Disability
  • Payroll
  • Short Term Medical

For a free consultation or evaluation of your current benefits, contact Julie!



"We have been very pleased to have Julie Poncar assist us with our insurance needs. Her knowledge of the industry has been extremely helpful to our small company this past year. We know that with the new insurance changes to come, we will have no problems understanding and implementing them with Julie's help."

T. H., Greenville, SC

"I have been working with Julie Poncar and The Gilston Agency for the last ten years. When it comes to professionalism, integrity, honesty and hard work, I can always count on her. She is not afraid to dig down in the trenches when times get tough and is always pleasant no matter the situation. I would strongly recommend doing business with her."

B.G., Statesboro, GA

"During my 32 years as a health insurance agent, I can think of no other colleague I trust more than Julie Poncar to assist me with my clients. As a dedicated "student" of our industry, she simply knows her stuff. Julie exudes a demeanor of kind, efficient confidence, laser-focused on being of service. With her at my side, I've always felt elevated to the level of a consummate pro!"

I. B., Charleston, SC

"Julie's expertise and caring nature has always been a powerful combo! I've known Julie for over 10 years and her delivery has always been professional. She is one to be trusted and looked up to."

R.McF., Mt. Pleasant, SC

"Under a very tight schedule Julie met our concerns and created a strategy to contain long-term costs and provide superior benefits. She has provided outstanding service and I look forward to a long relationship."

R. H., Harrisburg, PA

We do not offer every plan available in your area. Currently we represent five organizations which offer fifty-three products in your area. Plan availability is based on the county in which you reside. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.