🏥 3 Questions to Ask Before Choosing a Medicare Plan

A Guide for South Carolina Residents  Mauldin Insurance Group
Choosing a Medicare plan isn’t just about coverage—it’s about confidence. At Mauldin Insurance Group, we help South Carolinians make informed decisions that protect their health, finances, and peace of mind. Before you enroll, ask yourself these three essential questions:

❓ 1. Will My Doctors Accept This Plan?
Why It Matters:
Not all Medicare plans include your current doctors. Medicare Advantage plans often have limited networks, and even Original Medicare requires checking for provider participation.
What to Ask:
•     Is my primary care physician in-network?
•     Are my specialists covered?
•     Will I need referrals to see them?
•     Does the plan include my preferred hospital or clinic?
How We Help:
Mauldin Insurance Group runs real-time provider checks to ensure your doctors and facilities are covered. We explain the difference between HMO and PPO Advantage plans, and how Medigap options like Plan G or N offer nationwide flexibility.

💊 2. Will My Prescriptions Be Affordable?
Why It Matters:
Prescription drug costs vary widely between plans. Formularies change annually, and tiers affect your copays.
What to Ask:
•     Are my current medications covered?
•     What tier are they in?
•     Are there quantity limits or prior authorizations?
•     What’s the monthly premium, deductible, and copay structure?
How We Help:
We compare drug costs across plans using Medicare’s Plan Finder and our internal tools. We factor in pharmacy preferences, mail-order options, and low-income subsidies. We also explain Part D donut hole coverage and how to avoid surprise costs.

🧭 3. Does This Plan Fit My Lifestyle and Future Needs?
Why It Matters:
Your Medicare plan should reflect your lifestyle—whether you travel, need dental or vision coverage, or anticipate changing health needs.
What to Ask:
•     Do I plan to travel out of state or internationally?
•     Do I want coverage for dental, vision, or hearing?
•     Am I managing chronic conditions or expecting surgery?
•     Do I want predictable costs or flexibility?
How We Help:
We guide clients through lifestyle-based planning. For snowbirds, we recommend PPOs or Medigap plans with nationwide coverage. For chronic conditions, we explore Special Needs Plans (SNPs). We also review extra benefits like gym memberships, OTC allowances, and transportation services.

🛡️ Why Choose Mauldin Insurance Group?
At Mauldin Insurance Group, we believe Medicare decisions should be made with clarity, care, and confidence. We offer:
•     Free, personalized consultations
•     Plain-language explanations of complex terms
•     Branded Medicare guides tailored to South Carolina regulations
•     Advocacy during appeals and coverage disputes
•     Ongoing updates on CMS changes and enrollment deadlines
We’ve helped hundreds of Midlands residents—from retirees in Lexington to caregivers in Columbia—make empowered Medicare decisions.

📞 Ready to Talk Medicare?
Let’s make Medicare simple. Visit MauldinInsuranceGroup.com or call us today to schedule your personalized Medicare review. Whether you’re turning 65, retiring, or comparing plans, we’re here to help.