There are 295,648 beneficiaries with South Carolina Medicare Advantage plans. The Spartanburg, SC, area boasts the highest Medicare Advantage participation rate of 43.85%.

Medicare Advantage plans in South Carolina

Private carriers offer South Carolina Medicare Advantage plans and cover Part A and Part B Original Medicare while providing additional benefits like vision, dental, and hearing coverage. They may also come with prescription drug coverage.

Benefits range between carriers and their plans. In South Carolina, each county has between 26 and 50 Medicare Advantage plans. It’s crucial to consider all plans within your budget and their inclusions to help you find the best healthcare coverage.

Medicare Advantage plans aren’t the same in every area. The carriers, plans, and benefits available will depend on your location. The following information is for a single South Carolina ZIP code.

Plan offers for South Carolina residents vary widely. The following sections will detail South Carolina Advantage plans with zero-dollar premiums, zero-dollar drug deductibles, and some with a Part B reduction.

Medicare Advantage plans with a zero-dollar premium

Plans with zero-dollar premiums typically incur higher out-of-pocket costs before your carrier fully covers expenses. This aspect can be helpful for those who need occasional medical care. The following plans have a zero-dollar premium.

Wellcare (HMO-POS) features a $6,700 maximum out-of-pocket (MOOP) and no premium. It offers three-star performance, plus dental, vision, and other benefits.

UnitedHealthcare (HMO-POS) has one of the lowest MOOPS among South Carolina Medicare Advantage plans at $4,500. Many South Carolinians choose it for its four-star performance rating.

Clover Health (Local PPO) has no premium and a MOOP of $7,550. Patients enjoy its low-cost copays and prescription drug coverage.

Wellcare $0 $6,700 HMO-POS 3
UnitedHealthcare $0 $4,500 HMO-POS 4
Humana $0 $7,550 LOCAL PPO 4
Clover Health $0 $7,550 LOCAL PPO 3
BCBS of S. Carolina $0 $4,900 LOCAL PPO 3

Medicare Advantage plans with a zero-dollar drug deductible

Patients taking many prescription drugs may find a plan with a zero-dollar drug deductible suitable for their budget.

Wellcare (HMO) offers a plan with a zero-dollar premium. Patients can pay a MOOP of $7,550 per year. The plan’s three-star rating indicates decent beneficiary satisfaction and plan performance.

Humana (Regional PPO) boasts a four-star rating and no monthly premium. Patients can pay $7,550 in maximum out-of-pocket costs.

South Carolinians may also consider an offer from Aetna (Local PPO). There is a zero-dollar premium and a $6,100 MOOP.

Wellcare $0 $7,550 HMO 3
UnitedHealthcare $0 $5,900 HMO-POS 4
Clover Health $0 $7,550 LOCAL PPO 3
Humana $0 $7,550 REGIONAL PPO 4
Aetna $0 $6,100 LOCAL PPO 4

Medicare Advantage plans With a Part B reduction

Because Medicare Advantage plans vary between zip codes, you may not have access to a Part B reduction plan. Plans with a Part B reduction may only be available in some regions of South Carolina.

Patients choose Wellcare for its zero-dollar premiums, $6,700 MOOP, and $50 Part B reduction. It also features a decent three-star rating. Another Wellcare plan offers a $60 give-back with the same zero-dollar premium and MOOP.

UnitedHealthcare offers a $40 reduction and has a four-star rating. Patients pay no monthly premium but have a $4,500 MOOP.

A plan from Humana boasts a Part B reduction of $100. If your Part B premium exceeds this, they’ll cover the entire cost. South Carolina residents can expect a $6,700 MOOP.

Wellcare $0 $6,700 $50.00 3
UnitedHealthcare $0 $4,500 $40.00 4
Humana $0 $7,550 $50.00 4
Wellcare $0 $6,700 $60.00 4
Humana $0 $6,700 $100.00 4


South Carolina Part C plans don’t just cover Original Medicare costs; you may get additional coverage for dental services, prescription drugs, vision, or hearing. Check with your available carriers to see whether they offer such benefits in your area.

Cities in South Carolina with Medicare Supplement coverage’s estimated premiums

All areas of South Carolina, including the list of its biggest cities below, offer Medigap plans. In the following charts, there are projections of the estimated premiums for this coverage:


Does South Carolina have Medicare Advantage plans?

Yes, South Carolina has Medicare Part C plans. Top providers include Aetna, Humana, UnitedHealthcare, and Cigna. You’ll get coverage for Original Medicare and may live in an area that makes you eligible for extra benefits.

Who qualifies for Medicare Advantage plans in South Carolina?

South Carolina residents qualify for Medicare Advantage plans if they are already enrolled in or eligible for Medicare Part A and Part B. Residents 65 and older and those with severely disabling conditions qualify.

When can I enroll in a Medicare Advantage plan in South Carolina?

You can enroll in a Medicare Part C plan in South Carolina during a few open enrollment windows. The first enrollment period begins at age 65, and other available enrollment periods and special enrollments occur throughout the year.

What are the four types of Medicare Advantage plans in South Carolina?

The four types of Advantage plans most commonly available in South Carolina are HMOs, PPOs, PFFS plans, and SNPs.

Do Medicare Advantage plans cover pre-existing conditions in South Carolina?

Yes, Medicare Advantage plans cover pre-existing conditions.

How to get help enrolling in a South Carolina Medicare Advantage plan

Our Medicare experts provide a free service to ensure you find the best carrier and plan. Contact our team for more information, or fill out our online rate form to get rates today!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.