Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in South Carolina
Connect with Medicare agents in South Carolina
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in South Carolina
55% of South Carolina's Medicare beneficiaries are on Original Medicare. 45% of beneficiaries from the state have switched from Original Medicare to a Medicare Advantage plan.
Original Medicare does not cover prescriptions. To get prescriptions covered, Medicare beneficiaries need to get Medicare Part D. Part D is available through a standalone Part D plan or through a Medicare Advantage plan that includes Part D coverage.
Beneficiaries who choose Original Medicare can also purchase a supplemental insurance policy, known as Medicare Supplement or Medigap. Medigap policies are offered by private insurance companies. These policies pay for certain out-of-pocket costs that Medicare Parts A and B don’t pay (copays, deductibles, and coinsurance).
Some South Carolina residents may qualify for Medicare before reaching the age of 65, as long as they meet certain criteria. South Carolina residents under 65 who have disabilities, end-stage renal disease (ESRD), or Lou Gehrig's Disease (ALS) may qualify for Medicare coverage. Qualifying circumstances may impact eligibility and enrollment periods, so residents should confirm their eligibility and when they should enroll.
How to apply for Medicare in South Carolina?
Medicare eligibility in South Carolina follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in South Carolina takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
What can a Medicare agent help me compare in South Carolina?
A licensed Medicare agent from Chapter can help you compare Medicare coverage options, including Original Medicare, Medicare Advantage, supplemental policies, and prescription drug coverage. An agent from Chapter can also review your specific healthcare needs, preferred providers, current medications, and potential out-of-pocket costs to help you choose the best plan for your needs. Schedule a free consultation or call Chapter at (855) 900-2427 for personalized guidance.
Why can Medicare Advantage options differ across South Carolina counties?
Medicare Advantage plans are offered by private insurance companies. Companies decide which areas they want to offer certain plans. Before enrolling, confirm that a plan serves your area and check whether your preferred doctors, specialists, and hospitals are in its network. Also check if your prescriptions would be covered or if you would need to get a separate Part D plan.
How can I compare prescription drug coverage under Medicare plans in South Carolina?
South Carolina residents should compare plans based on whether their medications are covered, the costs they’d owe out-of-pocket to get their prescriptions, and if they can save by using a plan’s preferred pharmacies. This applies to standalone Part D plans and Medicare Advantage plans that include prescription drug coverage. Chapter's licensed Medicare Agents can help residents review their options and find coverage that fits their prescription needs and budget.
What can I do if Medicare or my plan denies coverage for a service or treatment?
If Original Medicare, a Medicare Advantage plan, or a prescription plan denies payment for a service, item, or medication, you can appeal the decision. Review the denial notice for instructions and deadlines, and ask your health care provider for supporting information that may strengthen your appeal. The denial notice provides the information that you need regarding where to send your appeal.
