The Midlands' Trusted
Medicare Advisors.

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers in South Carolina. It typically bundles Parts A, B, and D in one plan and often includes extra benefits like dental, vision, and hearing — usually with low or $0 monthly premiums. However, it uses provider networks, which means your doctors and hospitals must participate in the plan. Medicare Supplement (Medigap) works alongside Original Medicare and covers most out-of-pocket costs Original Medicare leaves behind, such as the 20% coinsurance. Supplement plans carry a monthly premium but allow you to see any Medicare-accepting doctor or hospital in the country with no networks and no referrals. We help every South Carolina client compare both approaches side by side at no cost.

Your Initial Enrollment Period begins 3 months before the month you turn 65 and ends 3 months after — a 7-month window total. If you are still working and covered by employer insurance from a company with 20 or more employees, you may be able to delay Medicare without penalty. If you miss your window without a qualifying reason, you face permanent late enrollment penalties on your Part B premium — 10% for each 12-month period you delayed. We strongly recommend calling us 3 to 4 months before your 65th birthday so we can map out your enrollment timeline, verify your eligibility, and compare every plan available in your South Carolina zip code at no cost.

Yes — completely free, with no obligation. South Carolina Medicare Agency is compensated by insurance carriers when you enroll in a plan. Your monthly premium is identical whether you enroll through us or go directly to the carrier yourself. We never charge consulting fees, never pressure you into a decision, and are available year-round to answer questions about your coverage. There is never any cost at any stage of working with us.

We serve Medicare clients anywhere in South Carolina. While we are based in Lexington, SC and do significant in-person work across the Midlands — Lexington, Columbia, Irmo, Chapin, Cayce, West Columbia, and Blythewood — we regularly help clients in Greenville, Spartanburg, Charleston, Myrtle Beach, Hilton Head, Florence, Sumter, and everywhere in between. Most Medicare consultations are handled efficiently by phone or video, so distance is never a barrier to getting the same quality of service.

Original Medicare (Parts A and B) transfers seamlessly when you move to South Carolina. Most Medicare Supplement (Medigap) plans also transfer without issue since they work with any Medicare-accepting provider nationwide. However, Medicare Advantage plans are regional — if your current plan does not serve your new South Carolina zip code, you will qualify for a Special Enrollment Period to switch plans. Moving to a new state also triggers a Special Enrollment Period for Part D drug plans. We help new South Carolina residents sort out their Medicare quickly and correctly so there is no gap in coverage. Learn more →

South Carolina Medicare beneficiaries have access to Medicare Advantage plans (Part C), Medicare Supplement plans (Medigap — Plan G and Plan N are most popular for new enrollees), and Medicare Part D prescription drug plans. Plan availability and pricing vary by zip code across the state. In the Midlands region around Lexington and Columbia, there is typically a strong selection of both Advantage and Supplement plans. We compare every carrier and plan available in your specific South Carolina zip code and walk you through the options at no cost. Call Jennifer at (843) 509-2462 to schedule a free comparison.

Medicare Supplement Plan G premiums in South Carolina typically range from around $110 to $220 per month for a 65-year-old non-smoker, depending on the carrier, your zip code, and tobacco use. Rates in the Upstate, Midlands, Lowcountry, and Pee Dee regions can vary, and rates generally increase as you age. As independent agents, we compare every carrier offering Plan G in your specific South Carolina area and consider not just today's lowest rate but each carrier's historical rate increase patterns — which often matters more over the long run.

Most major South Carolina hospital systems participate in at least some Medicare Advantage networks, but participation varies by carrier and plan. The major SC systems include Prisma Health, MUSC Health, Lexington Medical Center, Roper St. Francis, AnMed Health, Spartanburg Regional, McLeod Health, Self Regional, Tidelands Health, and Grand Strand Health. Network participation changes year to year, so before recommending any Advantage plan, we verify that your specific doctors and hospitals are in-network for that exact plan in the current year. If you want guaranteed access to any Medicare-accepting provider statewide with no network worries, a Medicare Supplement plan may be a better fit.

Yes. Part D plan comparison is one of the most valuable things we do for South Carolina clients. We run a personalized drug-by-drug comparison using your actual medication list against every Part D plan available in your South Carolina zip code, factoring in your preferred pharmacy — whether that is a local SC pharmacy, CVS, Walgreens, Walmart, Publix, Harris Teeter, or another. The lowest monthly premium is rarely the lowest total annual cost once you account for copays and tier pricing. We do this comparison every year at Annual Enrollment because plans, formularies, and pharmacy networks change.

It depends on your employer size and your current coverage. If you work for a South Carolina employer with 20 or more employees and have creditable health coverage through them, you can usually delay Medicare Part B and Part D without late enrollment penalties. If your employer has fewer than 20 employees, Medicare typically needs to be primary at age 65 and delaying can cause coverage gaps. Many SC residents still enroll in premium-free Part A even while working since it generally has no downside. We walk through your specific situation, employer size, and coverage type well before any deadlines hit.

Yes. South Carolina residents who qualify for both Medicare and Medicaid (often called dual eligibles, with SC Healthy Connections as the state Medicaid program) may be eligible for Dual Special Needs Plans (D-SNPs), which can offer significant extra benefits at little to no cost. SC residents with qualifying chronic conditions like diabetes, heart failure, or end-stage renal disease may qualify for Chronic Special Needs Plans (C-SNPs) tailored to their care. Eligibility and plan availability vary by SC county. We help identify whether you qualify and compare the SNP options available in your area at no cost.