Medicare Help for
the Heart of South Carolina.

Network participation varies by plan and changes year to year. Before recommending any Medicare Advantage plan, we specifically verify that Lexington Medical Center, Prisma Health Richland, MUSC Health, and any other providers you use are in-network for that specific plan. This is the most important check we do for every Midlands client.

The Chapin, Irmo, and Lexington areas around Lake Murray have a good selection of Medicare Advantage and Supplement plans. Rural portions of Lake Murray may have fewer Advantage plan network options, which is why we sometimes recommend a Supplement plan for clients in those areas — it works with any Medicare provider statewide.

Plan G premiums in Lexington County typically range from $110–$200/month for a 65-year-old non-smoker, depending on the carrier and your specific zip code. As an independent agent, we compare every carrier available in your area and factor in historical rate increase patterns — not just the lowest rate today.

Yes — we serve the entire SC Midlands including all of Lexington County, Richland County, Newberry County, and surrounding areas. Most consultations are done by phone and take about 30 minutes. If you prefer to meet in person, we are at 100 Old Cherokee Rd in Lexington.

Yes — completely free. We are 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. There is never any cost, fee, or obligation.

Your Initial Enrollment Period is the seven-month window that begins three months before the month you turn 65 and ends three months after. We recommend Midlands residents start the conversation about four to six months before turning 65 so we have time to compare every plan, verify your Lexington Medical Center or Prisma Health doctors are in-network, and avoid any late enrollment penalties on Part B or Part D.

Medicare Advantage replaces Original Medicare with a private plan that bundles hospital, medical, and usually drug coverage, often with extras like dental and vision. Most Advantage plans use provider networks. Medicare Supplement works alongside Original Medicare to cover deductibles and coinsurance, with no network restrictions — any doctor in SC or nationwide who accepts Medicare. Advantage plans typically have lower premiums with copays at point of care. Supplement plans have higher premiums but very predictable out-of-pocket costs.

In most cases, yes — but it depends on the specific Advantage plan. Network participation changes each year, so we verify every doctor and hospital you use against each plan's current network before recommending anything. If you want guaranteed access to any Medicare-accepting provider in the Midlands with no network worries, a Medicare Supplement plan may be the better fit.

Yes. Part D plan selection is one of the most important parts of what we do. We run a personalized drug-by-drug comparison using your actual medication list against every Part D plan available in your Midlands zip code, factoring in your preferred pharmacy — whether that is a local Lexington pharmacy, CVS, Walgreens, Walmart, or another. The lowest premium is rarely the lowest annual total cost.

It depends on your employer size and your current coverage. If you work for a company with 20 or more employees and have creditable health coverage, you can usually delay Medicare Part B without penalty. If your employer has fewer than 20 employees, Medicare typically needs to be primary at 65. Many Midlands residents still enroll in premium-free Part A even while working. We walk through your specific situation before any deadlines hit.

Original Medicare and most Medicare Supplement plans transfer to South Carolina with no changes needed. Medicare Advantage and Part D plans are regional, so moving to SC triggers a Special Enrollment Period that lets you switch to a plan that serves your new zip code. We help new Midlands residents sort this out quickly so there is no gap in coverage and your new plan includes the SC doctors and hospitals you want to use.