South Carolina Medicare plans for 2026.
South Carolina has approximately 1.1 million Medicare beneficiaries across Charleston, Columbia, Greenville-Spartanburg, Myrtle Beach, Hilton Head. We compare Medicare Advantage, Medigap, and Part D plans from Humana, UnitedHealthcare (AARP), BlueCross BlueShield of South Carolina, Aetna, Cigna, WellCare — for your doctors, your drugs, and your budget. Free, licensed, no pressure.
Your three plan paths.
Medicare Advantage (MA / MAPD)
An all-in-one alternative to Original Medicare. Bundles hospital, medical, and (usually) drug coverage into a single plan with a network. Often \$0 monthly premium plus extras like dental, vision, hearing, and OTC allowance.
Top SC carriers: Humana, UnitedHealthcare, BCBS-SC, Aetna.
Original Medicare + Medigap + Part D
Original Medicare (Parts A + B) covers hospital + doctor. A Medigap (Supplement) plan covers most of what Medicare doesn't. A standalone Part D drug plan covers prescriptions. Maximum flexibility, larger networks, higher monthly cost.
SC Medigap rule: South Carolina allows standard Medigap medical underwriting outside your initial 6-month Open Enrollment window. No Birthday or Anniversary rule.
Part D standalone
If you stay on Original Medicare without Medigap, or have Medigap and need drug coverage, a standalone Part D plan covers prescriptions only. New for 2026: \$2,000 annual out-of-pocket cap on covered Part D drugs — a big deal for high-cost specialty medications.
D-SNP (Dual Special Needs)
If you qualify for both Medicare and Medicaid, a D-SNP plan combines the two and typically adds significant extras. Available in most South Carolina counties through Humana, UnitedHealthcare, and Anthem/WellCare depending on your county.
Network access in your area.
When comparing South Carolina Medicare plans, your hospital and doctor network matters more than the monthly premium. Major South Carolina hospital systems include:
MUSC Health (Charleston), Prisma Health (Greenville + Columbia), Roper St. Francis, AnMed Health, Bon Secours St. Francis.
Network participation varies by plan. SilverEdge's free advisor consultation includes a real-time hospital + doctor + drug network check before you enroll — no guesswork.
Compare every South Carolina Medicare plan, free.
A licensed SC advisor pulls every plan in your ZIP — Medicare Advantage, Medigap, Part D — and compares them on what matters: doctors, drugs, and total annual cost. No spam, no upsell, no fee.
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