Charleston, SC Medicare Insurance

Turning 65 or new to Medicare in Charleston, South Carolina? Medicare Planning is an independent Medicare insurance broker serving the entire state of South Carolina. We help Charleston-area residents compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans from top-rated carriers — at no cost to you. Whether you're in downtown Charleston, West Ashley, James Island, or Daniel Island, we'll walk you through your options by phone, Zoom, or in person.

Request a Free Charleston Medicare Consultation — or call us at 800-577-2075.

Medicare Options for Charleston Residents

Charleston County offers a wide range of Medicare plans, and choosing the right one depends on your health needs, budget, and preferred doctors. Here's a quick overview of your main options:

Medicare Advantage (Part C) – Bundles Part A, Part B, and usually Part D into one plan through a private insurer. Many Charleston-area plans offer $0 monthly premiums plus extras like dental, vision, and hearing coverage.
Medicare Supplement (Medigap) – Works alongside Original Medicare to help cover out-of-pocket costs like copays and deductibles. Popular in South Carolina are Plan G and Plan N.
Medicare Part D – Stand-alone prescription drug coverage for those who keep Original Medicare instead of a Medicare Advantage plan.

When Can I Enroll in Medicare in Charleston?

Most people become eligible for Medicare at age 65. Your Initial Enrollment Period is a seven-month window that starts three months before your 65th birthday month and ends three months after. Missing this window can mean permanent late enrollment penalties, so it pays to start early.

Initial Enrollment Period: 3 months before to 3 months after your 65th birthday month
Annual Enrollment Period (AEP): October 15 – December 7 each year
Medicare Advantage Open Enrollment Period: January 1 – March 31
Special Enrollment Period: Available after certain life events, such as losing employer coverage

Learn more about Medicare enrollment periods

Why Work With an Independent Medicare Broker in South Carolina?

As an independent, carrier-agnostic broker, Medicare Planning isn't tied to a single insurance company. That means we can compare plans across multiple top carriers side by side and help you find the coverage that actually fits your needs — not just the plan that pays the highest commission. Our service is always free to you; carriers pay us, not the other way around.

Compare Medicare Advantage, Medigap, and Part D plans from multiple carriers
No cost or obligation — our guidance is always free
Support by phone, Zoom, or in person
Help understanding enrollment periods and avoiding late penalties

Frequently Asked Questions About Medicare in Charleston, SC

Does Medicare Planning serve Charleston and all of South Carolina?

Yes. Medicare Planning is an independent Medicare insurance broker licensed statewide in South Carolina, serving Charleston, Charleston County, and communities throughout the state.

Will a Medicare Advantage plan in Charleston cover my doctors in West Ashley or James Island?

It depends on the specific plan's network. Medicare Planning can check whether your preferred doctors and hospitals, wherever you are in the Charleston area, are in-network before you enroll.

Does it cost anything to work with a Medicare broker in Charleston?

No. Medicare Planning's consultations are always free. Independent brokers are paid by the insurance carrier when a plan is enrolled, so you pay the same premium whether you enroll through a broker or directly with the carrier.

When can I enroll in Medicare in Charleston?

Most people enroll during their Initial Enrollment Period, a seven-month window starting three months before their 65th birthday month. Existing beneficiaries can review or switch plans during the Annual Enrollment Period, October 15 through December 7 each year.