Horry County’s Best Medicare Plans: Which One Fits Your Healthcare Needs?
Posted in Uncategorized last updated on March 25, 2025Introduction: Why Choosing the Right Medicare Plan in Horry County Matters
If you’re a senior living in Horry County, South Carolina, you know how important it is to have a good healthcare plan that meets your needs.
Whether you live in the busy areas of Myrtle Beach and Conway, the coastal communities of North Myrtle Beach and Little River, or the quieter towns of Loris and Surfside Beach, choosing the right Medicare plan can make a big difference in your quality of life.
Horry County has a large and growing senior population, with thousands of retirees calling this area home.
From access to hospitals and specialists to affordable prescription medications, making the right Medicare choice can help you stay healthy, save money, and avoid unnecessary stress.
However, figuring out Medicare can be overwhelming, especially when searching through all the plans, costs, and coverage options on Medicare.gov.
Many seniors find the website complicated, full of technical terms, and hard to navigate.
That’s where Palmetto Mutual comes in.
Why Work with Palmetto Mutual?
Instead of spending hours trying to understand complex Medicare plans, Palmetto Mutual simplifies the process.
We’re a local, independent brokerage helping Horry County seniors find the best Medicare plan for their needs.
✔️ We take the confusion out of Medicare. There is no need to struggle with Medicare.gov. We break everything down into easy-to-understand terms.
✔️ We compare plans for you—Instead of sorting through endless options, we match you with the best plan based on your doctors, prescriptions, and budget.
✔️ We’re right here in the Carolinas—Unlike big national companies, we’re local. We know the plans available in Horry County and how they work with the healthcare providers you trust.
In this guide, we’ll explain the best Medicare plans in Horry County, how they work, and how you can find the right coverage without the hassle.
Let’s get started!
Understanding Your Medicare Options in Horry County
Medicare can feel confusing, but choosing the right plan becomes much easier once you understand the basics.
Knowing the different Medicare options is essential if you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach.
Each plan type has pros and cons, so finding the best fit depends on your healthcare needs, budget, and lifestyle.
Let’s break it down in simple terms.
Original Medicare (Parts A & B) – The Foundation of Medicare
Original Medicare is the government-run health insurance program for seniors.
It has two parts:
✅ Medicare Part A (Hospital Insurance) covers:
- Hospital stays
- Skilled nursing facility care (after a hospital stay)
- Hospice care
- Some home healthcare
✅ Medicare Part B (Medical Insurance) covers:
- Doctor visits
- Outpatient care
- Preventive services (screenings, vaccines, etc.)
- Durable medical equipment (wheelchairs, oxygen tanks, etc.)
🚨 What Original Medicare DOESN’T cover:
- Prescription drugs (you’ll need a Part D plan for that)
- Dental, vision, or hearing care
- Long-term care (like nursing homes)
- Most out-of-pocket costs (like deductibles, copays, and the 20% coinsurance for doctor visits)
Many seniors in Horry County start with Original Medicare but realize they need additional coverage to avoid high out-of-pocket costs.
That’s where Medicare Advantage, Medigap, and Part D plans come in.
Medicare Advantage (Part C) – All-in-One Coverage with Extra Benefits
Medicare Advantage plans replace Original Medicare with a private insurance plan that bundles coverage.
Many seniors in Horry County choose these plans because they often include extra benefits, such as:
✅ Everything Original Medicare covers (hospital + medical)
✅ Prescription drug coverage (most plans include Part D)
✅ Dental, vision, and hearing benefits
✅ Over-the-counter (OTC) allowances for medicine, vitamins, and medical supplies
✅ Gym memberships (like SilverSneakers)
🚨 What to consider with Medicare Advantage:
- You must use the plan’s network of doctors (which may be limited in some parts of Horry County)
- Copays and coinsurance apply to most services
- Plans change every year, so reviewing your coverage annually is important
Many seniors in Myrtle Beach and Conway like Medicare Advantage plans because they offer extra benefits at low costs, but they aren’t the best fit for everyone.
If you travel often, have frequent doctor visits, or want predictable healthcare costs, you might prefer Medicare Supplement (Medigap) coverage instead.
Medicare Supplement (Medigap) – Filling the Gaps in Original Medicare
If you like the freedom of Original Medicare but don’t want to pay out-of-pocket costs, a Medicare Supplement (Medigap) plan may be a better choice.
These plans work alongside Original Medicare to cover expenses like:
✅ Deductibles (the amount you must pay before Medicare covers your care)
✅ Copays (fixed costs for doctor visits and hospital stays)
✅ Coinsurance (the 20% you usually pay for medical services)
🚨 What Medigap does NOT cover:
- Prescription drugs (you’ll need a Part D plan for that)
- Dental, vision, and hearing care
- Extra benefits like gym memberships or OTC allowances
Key Benefit of Medigap:
🔹 No networks!
You can see any doctor or specialist that accepts Medicare—anywhere in the country.
Many Little River and Surfside Beach retirees choose Medigap because they travel frequently or want predictable medical costs without surprise bills.
Medicare Part D (Prescription Drug Plans) – Lowering Your Medication Costs
Original Medicare does not cover prescription drugs, so many seniors add a Medicare Part D plan.
These plans help cover:
✅ Common medications, including brand-name and generic drugs
✅ Medications for chronic conditions like diabetes or high blood pressure
✅ Vaccines and preventive treatments
🚨 What to consider with Part D:
- Each plan has a different formulary (list of covered drugs)
- Costs vary based on the medications you take
- You may pay more if you don’t sign up when you are first eligible
A standalone Part D plan is good if you only need prescription coverage and want to keep Original Medicare or a Medigap plan.
Which Medicare Plan is Right for You?
Choosing the best Medicare plan in Horry County depends on:
🔹 Your doctors – Do they accept Medicare Advantage plans, or do you need the flexibility of Original Medicare?
🔹 Your health needs – Do you visit the doctor often? Take regular medications? Need extra benefits like dental and vision?
🔹 Your budget – Do you want lower monthly premiums or fixed out-of-pocket costs?
If this all sounds overwhelming—don’t worry!
That’s why Palmetto Mutual is here.
How Palmetto Mutual Helps Seniors in Horry County
Instead of sorting through dozens of plans alone, we do the hard work for you!
✔️ We compare plans from top insurance companies to find the best fit for you.
✔️ We check which plans cover your doctors and prescriptions so you don’t incur surprise costs.
✔️ We answer all your questions in simple terms—no confusing insurance lingo.
Choosing the right Medicare plan is one of the most important decisions you’ll make for your health.
Let’s make sure you get it right.
📞 Call Palmetto Mutual at [your phone number] for a free, no-obligation Medicare review.
📍 We proudly serve seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Top Medicare Advantage Plans in Horry County
Medicare Advantage (Part C) plans are popular among many seniors in Horry County because they provide extra benefits beyond Original Medicare.
These plans combine hospital (Part A) and medical (Part B) coverage and often include prescription drug coverage (Part D), dental, vision, and more.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, you may have seen TV commercials or mailers about Medicare Advantage plans.
But with so many options, how do you choose the best plan for your needs?
Major Medicare Advantage Providers in Horry County
Several top insurance companies offer Medicare Advantage plans in Horry County, including:
✅ Humana – Known for substantial benefits and affordable copays. Many plans include $0 premiums and over-the-counter (OTC) allowances for health products.
✅ Aetna – Offers extra perks like SilverSneakers (gym memberships) and dental, vision, and hearing benefits.
✅ UnitedHealthcare – Provides an extensive doctor network and partnerships with Walgreens and Walmart for low-cost prescriptions.
✅ BlueCross BlueShield of South Carolina – A local favorite, with plans designed for South Carolina seniors. It often includes flex cards for groceries and health expenses.
✅ Cigna – Offers low-cost specialist visits and chronic condition management programs for diabetes, heart disease, and other health concerns.
These companies have multiple plans; not all are available in every part of Horry County.
The right plan depends on your doctors, prescriptions, and healthcare needs.
Medicare Advantage Benefits in Horry County
Most Medicare Advantage plans offer benefits that Original Medicare doesn’t cover, including:
✔️ Prescription drug coverage – Most plans include Part D, which helps cover medications.
✔️ Dental, vision, and hearing benefits – Coverage for routine checkups, glasses, and hearing aids.
✔️ Over-the-counter (OTC) allowances – Monthly or quarterly benefits for health items like vitamins, pain relievers, and bandages.
✔️ Gym memberships – Many plans offer SilverSneakers or similar programs for free access to local gyms.
✔️ Transportation services – Some plans provide free rides to doctor appointments or pharmacies.
While these benefits sound great, not all plans offer the same perks, and some have hidden costs.
That’s why working with a local expert is essential to avoid surprises.
How Palmetto Mutual Helps You Find the Right Plan
Many seniors in Horry County sign up for Medicare Advantage through TV ads, mailers, or Medicare.gov, only to realize later that:
🚨 Their doctors don’t accept the plan
🚨 Their prescriptions cost more than expected
🚨 The plan changes every year, leading to unexpected costs
Palmetto Mutual makes sure that doesn’t happen to you.
Instead of guessing which plan is best, we compare all the top Medicare Advantage plans in Horry County and find the one that fits your needs.
✔️ We check if your doctors and hospitals are in-network
✔️ We review your medications to find the lowest-cost options
✔️ We explain the extra benefits so you get the most from your plan
Best of all, our help is 100% free!
There’s no cost for a Medicare consultation; we’ll answer all your questions in plain, easy-to-understand language. Home
Don’t Choose a Medicare Plan Alone—Let’s Find the Best One for You!
📞 Call Palmetto Mutual at [your phone number] for a free, no-obligation Medicare review.
📍 Serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Best Medicare Supplement (Medigap) Plans in Horry County
If you like the freedom of Original Medicare but worry about out-of-pocket costs, a Medicare Supplement (Medigap) plan may be the perfect solution.
These plans help cover expenses that Medicare doesn’t pay, such as deductibles, copays, and the 20% coinsurance for doctor visits and hospital stays.
Many seniors in Horry County prefer Medigap because it offers predictable costs, no networks, and nationwide coverage.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach and want a plan to see any doctor or hospital that accepts Medicare, Medigap could be the right choice.
Why Choose Medigap in Horry County?
✅ No Networks – You can see any doctor or specialist in the U.S. that accepts Medicare. This is great for snowbirds who split time between South Carolina and other states.
✅ Predictable Costs – Instead of paying 20% of medical bills out-of-pocket, a Medigap plan covers most or all of these costs.
✅ Guaranteed Renewable – As long as you pay your premium, your Medigap plan can’t be canceled due to health changes.
🚨 What Medigap Does NOT Cover:
- Prescription drugs (You’ll need a separate Medicare Part D plan)
- Dental, vision, or hearing
- Extra benefits like gym memberships or OTC allowances (These are common with Medicare Advantage plans)
Medigap is best for seniors who want full coverage and don’t mind paying more monthly for peace of mind.
Most Popular Medigap Plans in South Carolina
There are 10 standardized Medigap plans, but most seniors in Horry County choose Plan G or Plan N because they offer the best value.
🔹 Plan G – Best for Comprehensive Coverage
✔️ Covers everything except the Medicare Part B deductible ($240 in 2024)
✔️ No copays or surprise bills—after the deductible, Medicare pays 100%
✔️ Ideal for seniors who want full coverage without worrying about medical bills
🔹 Plan N – Lower Premiums with Small Copays
✔️ Lower monthly premiums than Plan G
✔️ Small copays for doctor visits ($20) and ER visits ($50)
✔️ Does NOT cover Medicare Part B excess charges (rare in South Carolina)
✔️ Great for healthy seniors who don’t mind small copays to save on premiums
Both plans offer nationwide coverage, so you don’t have to switch plans if you travel or move.
Top Medigap Providers in Horry County
Several trusted insurance companies offer competitive Medigap plans in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach:
✅ Mutual of Omaha – One of the most well-known Medigap providers with strong financial ratings and competitive rates.
✅ Aetna – Offers affordable Plan G and Plan N options, often with household discounts.
✅ Cigna – Well-regarded for customer service and stable rates over time.
✅ United Americans – Known for strong financial backing and stable Medigap pricing.
Each provider offers the same standardized coverage, but monthly premiums vary based on age, gender, ZIP code, and tobacco use.
That’s why it’s important to compare prices before choosing a plan.
How Palmetto Mutual Ensures You Get the Lowest Medigap Rates
Many seniors overpay for Medigap because they don’t shop around—but at Palmetto Mutual, we do the work for you!
✔️ We compare multiple companies to find the lowest Medigap rates in Horry County.
✔️ We check for discounts, including household savings, if you and your spouse enroll.
✔️ We simplify the enrollment process so you don’t have to deal with confusing paperwork.
✔️ We provide lifetime support, helping you review your plan yearly to ensure you have the best coverage.
Medicare Supplement plans are one of the best ways to protect yourself from high medical bills, but you shouldn’t overpay for the same coverage.
📞 Call Palmetto Mutual at [your phone number] for a free, no-obligation Medigap quote!
📍 Serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Horry County’s Major Hospitals & Healthcare Providers
When choosing a Medicare plan in Horry County, it is essential to ensure it covers the hospitals and doctors you trust.
Some plans limit which hospitals you can visit, while others offer more flexibility.
That’s why selecting the right Medicare plan is about more than just cost—it’s about ensuring you get the best care where you want it.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, some of the top hospitals and healthcare networks accept Medicare.
Top Hospitals & Healthcare Networks in Horry County
✅ Grand Strand Medical Center (Myrtle Beach)
✔️ One of the largest hospitals in Horry County
✔️ Offers specialized care, including heart, stroke, and emergency services
✔️ Part of HCA Healthcare, which accepts many Medicare Advantage and Medigap plans
✅ McLeod Health Seacoast (Little River)
✔️ Provides emergency, surgical, and rehabilitation services
✔️ Part of the McLeod Health network, with locations across the Carolinas
✔️ Important for seniors in Little River, North Myrtle Beach, and surrounding areas
✅ Tidelands Health (Murrells Inlet)
✔️ Includes Tidelands Waccamaw Community Hospital and Tidelands Georgetown Memorial Hospital
✔️ Focuses on primary care, cancer treatment, and orthopedic services
✔️ Works with Original Medicare and many Medicare Advantage plans
✅ Conway Medical Center (Conway)
✔️ A full-service hospital with cardiac care, orthopedics, and women’s health services
✔️ Accepts Medicare and most major insurance plans
✔️ A trusted healthcare provider for residents of Conway and surrounding communities
Why Your Medicare Plan Matters for Hospital & Doctor Access
Your Medicare plan determines which hospitals and doctors you can visit without paying high out-of-pocket costs.
Here’s why choosing the right plan matters:
🔹 Medicare Advantage (Part C) Plans
- Some plans have restricted networks, meaning you must use specific hospitals and doctors.
- If your preferred hospital is not in-network, you may pay more or not be covered.
- Palmetto Mutual checks which hospitals are in-network before you enroll.
🔹 Medicare Supplement (Medigap) Plans
- No networks! You can visit any hospital in Horry County—or anywhere in the U.S. that accepts Medicare.
- Great for seniors who travel or have multiple doctors.
If you have a favorite hospital or doctor, making sure your Medicare plan works with them before you enroll is essential.
That’s where Palmetto Mutual can help.
How Palmetto Mutual Ensures You’re Covered at Your Preferred Hospitals
Choosing the wrong Medicare plan can leave you with limited healthcare options.
Many seniors sign up for a plan without realizing their preferred doctors or hospitals aren’t covered.
✔️ We check your preferred hospitals and doctors before you enroll.
✔️ We compare multiple plans to find one that includes the hospitals and specialists you trust.
✔️ We ensure you understand your coverage—no surprises or unexpected bills.
Don’t risk signing up for a plan that doesn’t work for you.
Let Palmetto Mutual work hard to find the best Medicare plan in Horry County for your healthcare needs.
📞 Call Palmetto Mutual at [your phone number] for a free, no-obligation Medicare review.
📍 Serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Prescription Drug Plans (Part D) in Horry County
If you’re on Medicare, you probably need a Medicare Part D plan to help cover prescription drug costs.
Original Medicare (Parts A & B) doesn’t include drug coverage, so unless you have a Medicare Advantage plan that includes Part D, you’ll need a standalone Part D plan to avoid high out-of-pocket medication costs.
Choosing the right Medicare Part D plan in Horry County is essential because:
✅ Each plan has different covered medications (formularies) – The best plan depends on your prescriptions.
✅ Costs can vary greatly – Monthly premiums, deductibles, and copays aren’t the same for every plan.
✅ Pharmacy networks matter – Some plans offer lower prices at certain pharmacies.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, Palmetto Mutual can help you compare Part D plans so you don’t overpay for your medications.
Top Medicare Part D Plans in Horry County
Several insurance companies offer Medicare Part D plans in Horry County, each with different coverage rules and costs.
✅ WellCare – Offers low-cost plans with broad prescription coverage, often preferred by budget-conscious seniors.
✅ Aetna SilverScript – Known for strong nationwide coverage and low copays for common generic drugs.
✅ Cigna – Offers competitive pricing and excellent customer service for Part D plans.
✅ Humana – Provides flexible options, including plans with $0 deductible tiers for certain medications.
Each Part D plan covers different medications, so choosing the right one depends on your prescriptions.
Why Comparing Part D Plans is Critical
Many seniors make the mistake of picking a Part D plan based on cost alone, but not all plans cover the same medications.
This is where Palmetto Mutual can help.
🔹 Every plan has a “formulary”—the list of drugs it covers. If your prescription isn’t on the list, you may have to pay full price!
🔹 Medicare.gov can be confusing. The website is full of technical terms and hard-to-understand comparisons, and many seniors feel overwhelmed when choosing the right plan.
🔹 Plans change every year – The plan that worked for you last year may not be the best for you this year.
Instead of struggling with Medicare.gov, Palmetto Mutual will do the work for you:
✔️ We check your medications against all available plans to find the lowest-cost option.
✔️ We ensure your pharmacy is in-network so you don’t overpay at the counter.
✔️ We explain everything in simple terms—no confusing Medicare jargon!
Pharmacies in Horry County That Accept Medicare Part D
Most Part D plans partner with specific pharmacies to offer lower prices on prescriptions.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, you can fill your prescriptions at:
🏥 Major Pharmacy Chains:
✔️ CVS
✔️ Walgreens
✔️ Walmart
✔️ Publix
💊 Local Independent Pharmacies:
Many smaller hometown pharmacies in Horry County accept Medicare Part D plans and may offer personalized service and short wait times.
Palmetto Mutual Makes Choosing a Part D Plan Easy!
🚨 Choosing the wrong plan could cost you hundreds (or even thousands) of dollars a year on prescriptions!
Let Palmetto Mutual help you find the best Medicare Part D plan in Horry County so you get:
✔️ The lowest-cost plan for your medications
✔️ Coverage at your preferred pharmacy
✔️ Expert guidance—without the Medicare.gov confusion
📞 Call Palmetto Mutual at [your phone number] for a free, no-obligation Part D comparison!
📍 Proudly serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Special Needs Plans (SNPs) & Low-Income Assistance in Horry County
For some seniors in Horry County, a regular Medicare Advantage or Medicare Supplement plan may not be the best fit.
If you have Medicaid, a chronic health condition, or a limited income, you may qualify for a Special Needs Plan (SNP) or financial assistance that lowers your healthcare costs.
Medicare Special Needs Plans (SNPs) are special Medicare Advantage plans for people with unique healthcare needs.
These plans provide extra benefits and lower costs for those who qualify.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach and have Medicaid or a chronic condition, you may be eligible for an SNP that gives you better coverage at little to no cost.
Types of Special Needs Plans in Horry County
✅ Dual-Eligible Special Needs Plans (D-SNPs)
✔️ Designed for people who qualify for both Medicare & Medicaid
✔️ Covers hospital, doctor visits, and prescriptions at low or no cost
✔️ Includes extra benefits like dental, vision, hearing, and over-the-counter (OTC) allowances
✔️ Works with Healthy Connections Medicaid in South Carolina
If you’re already on Medicaid, a D-SNP could help you pay little to nothing for your healthcare needs.
✅ Chronic Condition Special Needs Plans (C-SNPs)
✔️ Designed for people with specific chronic conditions like:
- Diabetes
- Heart disease
- Lung conditions (COPD, asthma, etc.)
✔️ Includes care coordination to help manage your condition
✔️ Often offers lower copays for specialist visits and medications
These plans focus on your specific health needs, offering extra support and tailored benefits to keep you healthy.
Low-Income Assistance Programs in Horry County
If you don’t qualify for Medicaid but have a limited income, there are still programs that can help lower your Medicare costs:
✅ Extra Help (Low-Income Subsidy – LIS)
✔️ Helps pay for Part D (prescription drug) costs
✔️ Lowers premiums, deductibles, and copays for medications
✔️ Available to seniors with limited income and resources
✅ Medicare Savings Programs (MSPs)
✔️ Helps pay for Medicare Part B premiums
✔️ Some programs also cover deductibles and copays
Many seniors in Horry County qualify for these programs but don’t realize they can get help.
Palmetto Mutual can check if you are eligible and guide you through the enrollment process.
Why Work with Palmetto Mutual for SNPs & Low-Income Assistance?
📌 Medicare.gov is confusing – Determining if you qualify for an SNP or Extra Help can be overwhelming.
📌 Every plan is different – Some SNPs have better coverage than others, and choosing the right one is essential.
📌 We do all the hard work for you – Palmetto Mutual checks your eligibility, compares plans, and helps you enroll—at no cost!
Many seniors qualify for free or low-cost Medicare plans but don’t know how to apply.
That’s why we’re here to help!
📞 Call Palmetto Mutual today at [your phone number] to see if you qualify for a Special Needs Plan or Low-Income Assistance!
📍 Serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
When & How to Enroll in Medicare Plans in Horry County
Enrolling in Medicare at the right time is critical to avoiding penalties and ensuring you get the best coverage possible.
Whether you’re turning 65, retiring, or switching plans, knowing when and how to enroll can save you money, stress, and headaches.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, here’s what you need to know about Medicare enrollment in Horry County.
Medicare Enrollment Periods: When Can You Sign Up?
📌 Initial Enrollment Period (IEP) – When You First Qualify
✔️ This is your first chance to enroll in Medicare when you turn 65.
✔️ The IEP lasts for 7 months:
- Starts 3 months before your 65th birthday
- Includes your birthday month
- It ends 3 months after your birthday
✔️ You can sign up for Medicare Parts A & B and choose a Medicare Advantage (Part C) or Medigap plan.
🚨 Missing your Initial Enrollment Period could mean late penalties, so don’t delay!
📌 Annual Enrollment Period (AEP) – When You Can Change Plans
✔️ Runs every year from October 15 to December 7.
✔️ Allows you to:
- Switch from Original Medicare to Medicare Advantage
- Change from one Medicare Advantage plan to another
- Switch or enroll in a Medicare Part D (prescription drug) plan
✔️ New coverage starts January 1st of the following year.
If your Medicare plan isn’t meeting your needs, this is your chance to make changes!
📌 Special Enrollment Periods (SEPs) – Life Changes That Let You Enroll
✔️ SEPs allow you to enroll outside of regular enrollment periods if you experience:
- Losing employer health coverage (after retiring)
- Moving to a new area where your current Medicare plan isn’t available
- Qualifying for Medicaid or a Special Needs Plan (SNP)
✔️ SEPs vary by situation, so checking your eligibility is essential before making changes.
Avoid Medicare Late Penalties
Many seniors don’t realize Medicare has late penalties if you miss your enrollment window:
🚨 Medicare Part B Late Penalty – If you don’t enroll when first eligible, you pay a 10% increase in your monthly premium for every 12 months you delay.
🚨 Medicare Part D Late Penalty – If you go without creditable drug coverage for more than 63 days, you pay a penalty for as long as you have Medicare Part D.
These penalties add up over time, making your healthcare more expensive than necessary.
That’s why signing up on time is so important!
How Palmetto Mutual Helps You Enroll on Time & Avoid Mistakes
✔️ We track your deadlines – No worrying about missing essential enrollment periods.
✔️ We compare plans for you – Whether you’re new to Medicare or switching plans, we find the best option for your needs.
✔️ We ensure you avoid penalties – Enrolling at the right time saves you money in the long run.
✔️ We handle the paperwork – No confusing forms, no Medicare.gov headaches—we take care of everything.
📞 Call Palmetto Mutual today at [your phone number] to ensure you enroll on time!
📍 Proudly serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Why Contact Palmetto Mutual for Personalized Medicare Help?
Choosing the right Medicare plan in Horry County doesn’t have to be confusing or overwhelming.
If you’ve ever tried using Medicare.gov, you know how frustrating it can be to compare plans, check doctor networks, and figure out what’s covered.
That’s why Palmetto Mutual makes it simple.
Instead of wasting time trying to sort through complicated information alone, we do the hard work for you—at no cost!
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, you should call Palmetto Mutual today for Medicare help.
Why Struggle with Medicare.gov When We Make It Easy?
🚨 Medicare.gov is confusing – Many seniors find the website overwhelming, full of complicated terms, and hard to navigate.
🚨 Comparing plans takes hours – You have to check doctor networks, drug formularies, and plan details on your own.
🚨 One mistake could cost you money – Picking the wrong plan can mean higher premiums, unexpected bills, or losing access to your doctor.
At Palmetto Mutual, we make sure that doesn’t happen.
✔️ We compare all the top plans in Horry County—in minutes, not hours.
✔️ We check if your doctors are in-network, so you don’t have to switch providers.
✔️ We review your prescriptions to find the plan that saves you the most money.
✔️ We explain everything in simple terms—no confusing Medicare jargon.
Free, Unbiased Assistance from Local Experts
Unlike insurance agents who only sell one company’s plans, Palmetto Mutual is independent.
That means:
✔️ We work for YOU, not the insurance companies.
✔️ We compare multiple plans to find the best fit for your healthcare needs and budget.
✔️ We provide honest, unbiased advice—not a sales pitch.
And the best part?
Our services are completely free!
There’s no cost, obligation, or pressure—just friendly, local experts ready to help.
Get the Best Medicare Plan for Your Needs—Call Today!
Choosing the right Medicare plan is one of the most critical decisions for your health and finances.
Don’t go it alone!
📞 Call Palmetto Mutual today at [your phone number] for a free, no-obligation Medicare review!
📍 Proudly serving seniors in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, and Surfside Beach.
Let’s find the right Medicare plan for you—without the hassle!
Conclusion: Get Local, Expert Help for Your Medicare Plan
Navigating Medicare in Horry County doesn’t have to be complicated.
Whether you need help with Medicare Advantage, Medigap, Part D, or Special Needs Plans, choosing the right coverage can save you money, stress, and unexpected medical bills.
We’ve covered the key points:
✅ Medicare Advantage plans offer all-in-one coverage with extra benefits like dental, vision, and prescription drugs.
✅ Medicare Supplement (Medigap) plans help cover out-of-pocket costs while giving you the freedom to see any doctor nationwide.
✅ Part D prescription drug plans vary widely, so choosing the right one is critical to avoid high medication costs.
✅ Special Needs Plans (SNPs) and low-income assistance programs provide extra support for those who qualify.
✅ Enrollment periods matter! Missing deadlines can lead to late penalties and higher costs.
But the most important takeaway?
You don’t have to figure this out alone.
Palmetto Mutual Makes Medicare Simple for Horry County Seniors
📌 No confusing Medicare.gov research—we explain everything in simple terms.
📌 We compare multiple plans to find the best fit for your healthcare needs.
📌 We check if your doctors, hospitals, and prescriptions are covered before you enroll.
📌 We are local, independent experts—not salespeople tied to one company.
📌 Our help is 100% free—no cost or obligation.
If you live in Myrtle Beach, Conway, North Myrtle Beach, Little River, Loris, or Surfside Beach, getting the right Medicare plan is just a phone call away.
📞 Call Palmetto Mutual today at [your phone number] for a free, no-obligation Medicare review!
📍 Proudly serving seniors in Horry County and beyond.
You’ve worked hard your whole life—let us make Medicare easy for you!
