Ben J. Mauldin | Jan 05 2026 01:24

We're still here, and we're ready for 2027.

Mauldin Insurance Group is an independent Medicare agency based in Lexington, SC. We help people all over South Carolina compare Medicare Advantage, Medicare Supplement, and Part D plans from multiple carriers, and our help costs you nothing. This page is the starting point for every region we serve, with links to local guides for your area.

2027 Annual Enrollment: October 15 through December 7

Annual Enrollment runs October 15 through December 7, 2026. Changes take effect January 1, 2027. If you're in a Medicare Advantage plan, you also get one change between January 1 and March 31.

This year, a few things make a review worth your time:

  • Some plans are ending. Several Medicare Advantage plans in South Carolina won't be offered in 2027. If you got a non-renewal letter, you have a special window to choose a new plan, and waiting can leave you with fewer choices. See what to do if your Medicare Advantage plan is going away.
  • Your Annual Notice of Change matters more than usual. Premiums, copays, drug tiers, and networks all shift each January. Here's how to read your ANOC.
  • Hospital networks keep changing. Contract disputes between health systems and insurers can change which doctors your plan covers, sometimes mid-year.

If nothing important changed and your plan still fits, we'll tell you that. We don't move people for the sake of moving them.

How we work across South Carolina

We meet by phone or video anywhere in the state, and in person throughout the Midlands. Every review starts with the same things: your doctors, your prescriptions, your pharmacy, your budget, and any other coverage you have, like PEBA retiree benefits, TRICARE For Life, or VA care. Then we show you the plans that fit and explain the trade-offs in plain English.

Find your region

South Carolina's ten planning regions are a useful way to group the state, because they follow how people actually travel for work, shopping, and health care. Find yours below.

Central Midlands

Richland, Lexington, Newberry, and Fairfield counties

This is home. Midlands residents have more Medicare plan choices than most of the state, with Prisma Health, MUSC Health Columbia, and Lexington Medical Center all in the mix. That means more to compare and more network questions to check. The area also has a large number of state retirees with PEBA coverage and military retirees from Fort Jackson.

Santee-Lynches

Sumter, Kershaw, Clarendon, and Lee counties

Many people here see local doctors for routine care and drive to Columbia for specialists, so a plan's network has to reach both places. Sumter's large military retiree community around Shaw Air Force Base makes TRICARE For Life a common part of the conversation.

Catawba

York, Lancaster, Chester, and Union counties

The Charlotte area shapes Medicare decisions here. Many York and Lancaster County residents use hospitals and specialists across the North Carolina line, and plenty of retirees moved down from out of state with questions about how their coverage carries over.

Appalachian (Upstate)

Greenville, Spartanburg, Anderson, Pickens, Oconee, and Cherokee counties

The Upstate has a big plan market and a wave of retirees from major employers like BMW and Michelin. Lake communities around Keowee and Hartwell draw retirees from all over the country.

Upper Savannah

Greenwood, Abbeville, Laurens, Edgefield, McCormick, and Saluda counties

Smaller towns and lake communities make up most of this region, from Lake Greenwood to Savannah Lakes Village. Access to specialists can mean a longer drive, which makes network and travel coverage worth a close look.

Lower Savannah

Aiken, Orangeburg, Barnwell, Bamberg, Calhoun, and Allendale counties

Aiken-area residents often use hospitals across the river in Augusta, so out-of-state network coverage matters. The region also has many Savannah River Site retirees and rural communities where Extra Help and Medicare Savings Programs can make a real difference.

Pee Dee

Florence, Darlington, Dillon, Marion, Marlboro, and Chesterfield counties

Florence is the region's medical hub, and most Pee Dee residents travel there for hospital and specialist care. Checking that your plan includes the Florence systems you'd actually use is the first step.

Waccamaw (Grand Strand)

Horry, Georgetown, and Williamsburg counties

The Grand Strand is one of the fastest-growing retirement areas in the country. Many new residents are moving their Medicare from another state, which usually opens a special enrollment window and often means a plan change.

Berkeley-Charleston-Dorchester

Charleston, Berkeley, and Dorchester counties

Charleston-area networks center on MUSC, Roper St. Francis, and Trident, and not every plan includes all of them. Coastal retirees, newcomers from out of state, and Joint Base Charleston military families all bring their own Medicare questions.

Lowcountry

Beaufort, Jasper, Colleton, and Hampton counties

Hilton Head, Bluffton, and Sun City are home to a large population of retirees from across the country. Snowbirds and part-time residents need to think about how their plan works when they're away from South Carolina.

Don't see your town?

We help people in every county in South Carolina. If your town isn't listed, call us anyway. Pick the region above that's closest to you for local context, or just reach out and we'll take it from there.

Frequently Asked Questions: Medicare Agents in South Carolina

Do you serve all of South Carolina? Yes. We're licensed in South Carolina and work with clients in every region of the state by phone and video, and in person throughout the Midlands.

Does it cost anything to use an independent Medicare agent? No. Insurance companies pay agents a commission, and your premium is the same whether you enroll through an agent or directly with the company.

When can I change my Medicare plan for 2027? Annual Enrollment runs October 15 through December 7, 2026, with changes effective January 1, 2027. Medicare Advantage members also get one change between January 1 and March 31.

My Medicare Advantage plan is ending in 2027. What should I do? You have a special enrollment window to pick a new plan, but acting during Annual Enrollment gives you the most choices and avoids a gap in coverage. Bring us your non-renewal letter and we'll compare what's available in your county.

Are Medicare plans the same everywhere in South Carolina? No. Medicare Advantage and Part D plans are approved county by county, and networks vary by plan. A plan that works in Greenville may not be offered in Florence. Medicare Supplement plans are standardized, but prices vary by company.

I'm moving to South Carolina. Do I need a new Medicare plan? If you have Medicare Advantage or Part D, you'll usually need a new plan that serves your new county, and moving gives you a special window to choose one. A Medicare Supplement typically moves with you, though your premium may change.

How do I get started? Call or text 843-509-2462, or visit mauldininsurancegroup.com. We'll set up a time that works for you.

Talk to us about 2027

No sales pressure. No rush. Just a real conversation about where you are and what makes sense for next year.

📞 Call or text: 843-509-2462 🌐 mauldininsurancegroup.com

We're still here, and we're ready for 2027.Mauldin Insurance Group is an independent Medicare agency based in Lexington, SC. We help people all over South Carolina compare Medicare Advantage,...