The Best Medicare Plans in Georgetown County: A Guide for Local Seniors

Dvir MoschePosted in Uncategorized last updated on March 7, 2025

If you’re a senior living in Georgetown County, South Carolina, you know how important Medicare is for your health and well-being. But when it comes to choosing the right Medicare plan, things can get confusing fast.

With so many options—Medicare Advantage, Medigap, Part D drug plans—it can feel overwhelming.

Which plan covers your doctor?
Will your prescriptions be affordable?
Are you picking the best plan for your budget?

And to make things harder, there are tons of TV commercials and phone calls from big insurance companies making big promises. Some of these ads can be misleading and don’t always tell the full story.

Why Medicare Can Be Overwhelming

Many seniors in Georgetown County struggle when trying to pick a plan. Here’s why:
✅ Too many choices – It’s hard to compare plans and understand what’s best.
✅ Confusing insurance terms – Deductibles, copays, networks… what does it all mean?
✅ Medicare.gov is complicated – Sure, it has information, but it’s not always easy to use. One wrong click, and you could be stuck with a plan that doesn’t fit your needs.
✅ Misinformation – Not all plans are available in every county, and those TV commercials may not apply to Georgetown County seniors at all!

The Simple Solution: Call Palmetto Mutual

Instead of stressing over complicated websites and confusing choices, there’s an easy way to find the best Medicare plan—just call Palmetto Mutual.

At Palmetto Mutual, we personally help seniors in Georgetown County:

Find the right Medicare plan for your health needs and budget.
Check which plans cover your doctors and prescriptions at the best price.
Make everything easy—no confusing websites, no overwhelming paperwork.

You don’t have to do this alone. One simple call to Palmetto Mutual can save you time, money, and stress.

What’s Next?

In this guide, we’ll break down everything you need to know about Medicare plans in Georgetown County. We’ll talk about:
✅ Medicare Advantage (Part C) plans available locally
✅ Medicare Supplement (Medigap) plans and how they work
✅ Prescription drug coverage (Part D) and how to get the best plan for your medications
✅ How to avoid common Medicare mistakes
✅ The easiest way to enroll hassle-free

Let’s get started! Next up: Understanding Medicare in Georgetown County.

Understanding Medicare in Georgetown County

Medicare is a lifeline for seniors in Georgetown County, helping cover medical costs as you age. But if you’ve ever tried to figure out Medicare on your own, you know it’s not as simple as it should be. There are different parts, plans, and options, and making the wrong choice could cost you thousands of dollars in unexpected expenses.

That’s why it’s so important to understand how Medicare works and why most seniors need extra coverage beyond Original Medicare. Let’s break it down in simple terms.

Medicare Basics: What Are the Different Parts?

Medicare is divided into different parts that cover different things:

Medicare Part A (Hospital Insurance)

✅ Covers hospital stays, skilled nursing care, and hospice
✅ Most people get Part A for free if they’ve worked and paid Medicare taxes
❌ Does NOT cover doctor visits, prescriptions, or routine care

Medicare Part B (Medical Insurance)

✅ Covers doctor visits, outpatient care, preventive services, and medical equipment
✅ Most people pay a monthly premium for Part B (set by Medicare each year)
❌ Does NOT cover dental, vision, hearing, or long-term care

Medicare Part C (Medicare Advantage)

✅ A private insurance plan that bundles Part A, Part B, and often Part D (drug coverage)
✅ Many plans include extra benefits like dental, vision, hearing, and gym memberships
✅ Offered by private companies like Humana, Aetna, and BlueCross BlueShield of South Carolina
❌ You must use network doctors and hospitals (which can be limiting)

Medicare Part D (Prescription Drug Plans)

✅ Covers prescription medications
✅ Available as a standalone plan or included in Medicare Advantage
✅ Different plans cover different drugs—choosing the right one is important!
❌ Plans change every year (your prescriptions may or may not be covered next year)

Medigap (Medicare Supplement Insurance)

✅ Works with Original Medicare (Parts A & B) to cover out-of-pocket costs like deductibles, copays, and coinsurance
✅ No network restrictions—see any doctor nationwide who accepts Medicare
✅ Helps seniors avoid surprise medical bills
❌ Does NOT include drug coverage (you’ll need a separate Part D plan)

Why Original Medicare Isn’t Enough

Many seniors think that just having Medicare Parts A & B is enough, but here’s the truth:

Medicare doesn’t cover everything—you’ll still have to pay deductibles, copays, and coinsurance out of pocket.
There’s NO limit on how much you could owe—if you have a hospital stay or need expensive treatments, your costs could be thousands of dollars.
No prescription drug coverage—without a Part D plan, you’ll pay full price for medications.

Real-Life Example:

Mary from Georgetown just turned 65 and enrolled in Original Medicare (Part A & B). A few months later, she needed surgery. She was shocked when she got a $1,600 bill for the hospital deductible and 20% of all other costs. If Mary had a Medigap plan, those costs would have been covered.

This is why most seniors need extra coverage—either a Medicare Advantage plan or a Medigap plan + Part D to protect against high medical bills.

How Private Insurance Companies Help Seniors Get Better Coverage

Medicare is a federal program, but private insurance companies offer additional coverage options like:

Medicare Advantage plans (Part C) – Offered by companies like Humana, Aetna, and UnitedHealthcare, bundling hospital, medical, and drug coverage together.
Medigap plans (Supplemental Insurance) – Sold by companies like Mutual of Omaha and BlueCross BlueShield, helping cover out-of-pocket costs.
Medicare Part D plans – Available through insurers like SilverScript (Aetna) and Wellcare, helping seniors save on prescriptions.

The Easy Way to Find the Best Plan for You

Instead of sorting through all these choices alone, just call Palmetto Mutual. We’ll:

✅ Explain your options in simple terms—no insurance jargon.
✅ Compare plans available in Georgetown County to find the best one for you.
✅ Check which plans cover your doctors, hospitals, and prescriptions.
✅ Help you enroll in the right plan, stress-free.

Next Up: Medicare Advantage Plans in Georgetown County

Now that you understand how Medicare works, let’s talk about Medicare Advantage plans available in Georgetown County—what they cover, which companies offer them, and how to choose the best one.

👉 Call Palmetto Mutual today to skip the confusion and get expert help!

Medicare Advantage (Part C) Plans in Georgetown County

If you’re looking for all-in-one Medicare coverage, a Medicare Advantage plan (Part C) might be a great option. These plans combine Medicare Part A (hospital insurance), Part B (medical insurance), and often Part D (prescription drug coverage) into one simple plan. Many also include extra benefits that Original Medicare does not cover, like:

✔ Dental, vision, and hearing coverage
✔ Over-the-counter (OTC) benefits for medications and supplies
✔ Transportation to doctor’s appointments
✔ Gym memberships (like SilverSneakers)

Sounds great, right? But there’s a catch! Medicare Advantage plans aren’t one-size-fits-all, and picking the wrong one can cost you time and money. Let’s go over the plans available in Georgetown County and how to choose wisely.

Medicare Advantage Plans Available in Georgetown County

Several private insurance companies offer Medicare Advantage plans in Georgetown County, South Carolina. Each plan is different, so it’s important to compare them carefully before deciding.

1. Humana Medicare Advantage

✔ Great for extra benefits like dental, vision, and hearing
✔ Often includes an OTC allowance (helps pay for things like pain relievers, vitamins, and cold medicine)
✔ Large provider network in South Carolina
❌ May have higher copays for specialists

2. UnitedHealthcare (AARP Medicare Advantage)

✔ Offers SilverSneakers (free gym memberships for seniors)
✔ Many plans include comprehensive prescription drug coverage
✔ Often features low copays for primary care visits
❌ Certain plans have provider network restrictions

3. Aetna Medicare Advantage

✔ Strong drug coverage—great for seniors who take multiple prescriptions
✔ Some plans include flexible spending cards for extra medical costs
✔ Offers telehealth services so you can talk to a doctor from home
❌ Network may be limited in rural areas

4. Wellcare Medicare Advantage

✔ A budget-friendly plan with low or even $0 premiums
✔ Many plans cover dental, vision, and hearing at no extra cost
✔ Strong drug plan options
❌ Out-of-pocket costs (copays and deductibles) may be higher

5. BlueCross BlueShield of South Carolina

✔ A trusted local company with strong provider networks in Georgetown, Charleston, and Myrtle Beach
✔ Some plans offer extra support for chronic conditions like diabetes and heart disease
✔ Includes preventive dental and vision benefits
❌ Some plans may require referrals for specialists

Why Picking the Right Medicare Advantage Plan is Tricky

Many seniors sign up for a plan based on TV commercials or mail ads, only to realize later that:

🚫 Their doctor doesn’t take the plan
🚫 Their prescriptions aren’t covered
🚫 Their hospital is out-of-network
🚫 Hidden costs add up—despite the “$0 premium” ads

Two BIG Factors to Watch Out For

1. Provider Networks Matter

Unlike Medigap (which lets you see any doctor that accepts Medicare), Medicare Advantage plans only work with a network of doctors and hospitals.
Some plans may not cover Tidelands Georgetown Memorial Hospital or Tidelands Waccamaw Community Hospital—so it’s critical to check before enrolling.
If your plan has a limited network, you may have to switch doctors or pay out-of-pocket for care.

2. Hidden Costs: “$0 Premium” Doesn’t Mean Free

Some plans advertise $0 monthly premiums, but that doesn’t mean zero costs.
Many have high copays for specialists, hospital stays, or out-of-network visits.
Certain plans have high out-of-pocket maximums, meaning you could pay thousands before your plan covers 100% of your costs.

This is why it’s so important to compare all the details before choosing a plan.

The Easiest Way to Get the Right Plan? Call Palmetto Mutual

Instead of trying to figure it all out on your own, let Palmetto Mutual do the hard work for you. We will:

✔ Check if your doctors and hospitals are in-network
✔ Compare plans based on your prescriptions so you don’t overpay for medications
✔ Explain all the costs in simple terms—no surprises later
✔ Help you enroll hassle-free—no confusing paperwork or websites

💡 Remember: Medicare.gov has plan information, but it can be confusing and overwhelming. Instead of wasting hours trying to compare plans yourself, just call Palmetto Mutual, and we’ll find the best Medicare Advantage plan for you!

Next Up: Medicare Supplement (Medigap) Plans in Georgetown County

If you prefer more flexibility and don’t want to deal with networks, you might consider a Medicare Supplement (Medigap) plan instead. Let’s go over how they work, what they cover, and why they’re a great option for many seniors.

👉 Call Palmetto Mutual today for a FREE Medicare Advantage review—let’s find the best plan for you in Georgetown County!

Medicare Supplement (Medigap) Plans in Georgetown County

Medicare is a great program, but it doesn’t cover everything. That’s where Medicare Supplement plans, also called Medigap, come in.

If you don’t want to worry about unexpected medical bills, Medigap can help fill the gaps in Medicare coverage, saving you money on deductibles, copays, and coinsurance.

For many seniors in Georgetown County, a Medigap plan is the best way to avoid surprise expenses and have peace of mind when it comes to healthcare.

Why Medigap is a Great Option for Many Seniors

Unlike Medicare Advantage (Part C) plans, which limit you to specific networks, Medigap gives you the freedom to see any doctor, anywhere in the country, as long as they accept Medicare.

Here’s why many seniors in Georgetown, Pawleys Island, and Murrells Inlet choose Medigap:

✔ No surprise medical bills – Medigap covers the out-of-pocket costs that Medicare doesn’t, like deductibles, copays, and coinsurance.
✔ No doctor networks – You can see any doctor who takes Medicare—whether you’re in South Carolina, North Carolina, or traveling anywhere in the U.S.
✔ No referrals needed – Unlike many Medicare Advantage plans, you don’t need referrals to see a specialist.
✔ Coverage that doesn’t change – Medigap plans stay the same every year, unlike Medicare Advantage plans that can change benefits annually.

If you want predictable healthcare costs and the ability to see any doctor, a Medigap plan is the best choice.

Most Popular Medigap Plans in Georgetown County

Not all Medigap plans are the same. There are 10 different Medigap plans, but most seniors choose one of these three:

1. Plan G – The Best Comprehensive Plan for New Enrollees

✅ Covers everything except the Medicare Part B deductible ($240 in 2024).
✅ No copays, no coinsurance—just one simple deductible per year.
✅ Most popular choice for new Medicare beneficiaries.
❌ Monthly premium required (varies based on age and location).

2. Plan N – A Lower-Cost Alternative to Plan G

✅ Lower premiums than Plan G.
✅ Covers hospital deductibles, copays, and coinsurance.
✅ Small copays ($20 for doctor visits, $50 for ER visits).
❌ Does NOT cover excess charges (some doctors charge more than Medicare allows).

3. Plan F – Full Coverage, But Only for Those Eligible Before 2020

✅ Covers everything—no deductibles, no copays, no coinsurance.
✅ Great for seniors who enrolled in Medicare before 2020.
❌ No longer available for new Medicare beneficiaries.

Most seniors in Georgetown County choose Plan G or Plan N because they offer the best value for coverage and cost.

Top Medigap Providers Available in Georgetown County

Several well-known insurance companies offer Medicare Supplement plans in Georgetown, Andrews, and Pawleys Island. Some of the top-rated providers include:

✔ Mutual of Omaha – One of the most trusted names in Medigap insurance.
✔ Aetna – Competitive rates with strong customer service.
✔ Cigna – Great for people who want a stable rate over time.
✔ BlueCross BlueShield of South Carolina – A local option with strong coverage and a reputation for reliability.

Prices vary by age, location, and tobacco use, so it’s important to compare rates before choosing a plan.

How to Compare Medigap Plans Easily? Call Palmetto Mutual!

If you’re wondering:

🔹 Which plan is best for me?
🔹 How much will my Medigap premium be?
🔹 Which insurance company offers the lowest price in Georgetown County?

The easiest way to get answers is to call Palmetto Mutual.

Instead of spending hours researching different plans, we do all the work for you:

✔ We compare all the Medigap options available in Georgetown County.
✔ We check pricing from multiple insurance companies to find the most affordable plan.
✔ We make sure your doctors accept Medicare so you won’t run into coverage issues.
✔ We help you enroll quickly and hassle-free!

💡 Don’t waste time trying to figure this out alone. A quick call to Palmetto Mutual can save you money, stress, and confusion.

Medicare Advantage vs. Medigap: Which is Right for You?

One of the biggest decisions seniors in Georgetown County face when enrolling in Medicare is choosing between Medicare Advantage (Part C) and Medigap (Medicare Supplement Insurance).

Both options help cover costs that Original Medicare doesn’t, but they work very differently. Choosing the wrong one could mean paying more than you expected or losing access to your preferred doctors.

So, which is the best choice for you? Let’s compare them side by side to help you decide.

Medicare Advantage (Part C) vs. Medigap: Key Differences

Feature	Medicare Advantage (Part C)	Medigap (Medicare Supplement)
Doctor & Hospital Networks	Limited – You must use in-network providers (HMO/PPO plans)	No network restrictions – See any doctor who accepts Medicare
Costs & Out-of-Pocket Expenses	Lower monthly premiums, but copays and deductibles add up	Higher monthly premium, but almost no out-of-pocket costs
Prescription Drug Coverage	Often included	Not included – Need a separate Part D plan
Extra Benefits (Dental, Vision, Hearing, OTC, Gym Memberships, etc.)	Yes – Many plans offer additional perks	No – Medigap only covers medical expenses
Travel Coverage	Limited – Most plans only work in South Carolina	Nationwide – Works anywhere Medicare is accepted
Specialist Visits	Often requires referrals and approvals	No referrals needed – See specialists directly
Long-Term Cost Stability	Costs change yearly – Copays and maximum out-of-pocket limits can increase	Costs remain predictable – Premiums may rise slowly, but benefits stay the same
Best For…	Seniors who want lower upfront costs and extra benefits but don’t mind network restrictions	Seniors who want freedom to choose any doctor and low out-of-pocket costs

Which One is Right for You?

If you want:
✅ A lower monthly premium and don’t mind using a network of doctors → Medicare Advantage might be a good fit.
✅ The ability to see ANY doctor without referrals and want fixed medical costs → Medigap is the better option.

Real-Life Example

🔹 John from Georgetown chose a Medicare Advantage plan because he wanted dental and vision coverage. It worked well for him at first, but when he needed a specialist, he learned his plan required referrals and had high copays.

🔹 Mary from Pawleys Island picked a Medigap Plan G because she travels to North Carolina and Florida frequently. She loves that she can see any doctor anywhere without worrying about networks or restrictions.

💡 Choosing the wrong plan can lead to unexpected costs! That’s why it’s so important to pick the right coverage from the start.

The Easiest Way to Choose? Call Palmetto Mutual!

Instead of guessing which plan is best, let Palmetto Mutual guide you.

✔ We compare all Medicare Advantage and Medigap plans available in Georgetown County.
✔ We help you find a plan that covers YOUR doctors and medications.
✔ We explain all costs upfront, so there are NO surprises later.
✔ We handle enrollment, making it quick and stress-free!

💡 Medicare Advantage and Medigap both have pros and cons, but the right choice depends on your health, budget, and lifestyle. Call Palmetto Mutual today, and we’ll help you pick the best plan for your needs!

Next Up: Medicare Part D – Prescription Drug Plans in Georgetown County

If you take prescription medications, you’ll need a Part D drug plan to cover them. In the next section, we’ll go over how to choose the best Medicare Part D plan and avoid costly mistakes.

👉 Call Palmetto Mutual today to compare Medigap plans and get expert advice—100% free!

Medicare Part D: Prescription Drug Coverage in Georgetown County

If you take prescription medications, having the right Medicare Part D plan is just as important as choosing the right Medicare health plan.

But here’s the tricky part—not all drug plans are the same! Some plans may cover your prescriptions at a low cost, while others charge much more for the same medications. And every year, insurance companies change their drug lists, meaning a plan that worked last year might not be the best option this year.

Instead of guessing and hoping for the best, let Palmetto Mutual find the right plan for you—one that covers your prescriptions at the lowest cost.

Why Standalone Medicare Part D Plans Matter

If you have Original Medicare (Part A & B) or a Medigap plan, you must enroll in a standalone Medicare Part D plan to get prescription drug coverage.

🔹 Without Part D, you’ll pay full price for medications—which can add up fast.
🔹 There’s a penalty for not enrolling—If you don’t sign up when you’re first eligible, you could face a lifetime late enrollment penalty added to your premium.
🔹 Even if you don’t take medications now, you should still enroll—having a plan in place ensures you’re covered if your health changes.

💡 The good news? You don’t have to figure this out alone. Palmetto Mutual helps Georgetown County seniors choose the right Part D plan every year.

Popular Part D Plans Available in Georgetown County

Several insurance companies offer Medicare Part D plans in Georgetown, Pawleys Island, and Murrells Inlet. Some of the most popular include:

1. SilverScript (Aetna)

✔ One of the most widely used plans in South Carolina
✔ Covers a large list of generic and brand-name medications
✔ Often has low premiums and copays
❌ Preferred pharmacies may be limited

2. Humana Part D

✔ Great for people who take multiple medications
✔ Many plans have low copays at preferred pharmacies
✔ Often includes mail-order pharmacy options
❌ Some brand-name drugs may have higher costs

3. Wellcare Rx

✔ A budget-friendly option for seniors with low prescription drug needs
✔ Covers most common generics at $0 or low cost
✔ Large pharmacy network in Georgetown County
❌ Not always the best choice for brand-name drugs

4. Cigna Prescription Drug Plans

✔ Good for seniors who need specialty medications
✔ Includes options for low-cost generics
✔ Has a large pharmacy network
❌ Some plans have higher monthly premiums

💡 Which plan is best for you? That depends on which medications you take, what pharmacy you use, and how much you want to pay out of pocket.

Why Comparing Part D Plans is Frustrating

Many seniors try to compare Part D plans on their own using Medicare.gov or other websites, only to end up confused and frustrated. Here’s why:

1. Formularies (Drug Lists) Change Every Year

Just because your medication was covered last year doesn’t mean it will be covered this year.
Insurance companies update their formulary (drug list) yearly, which means a plan that worked well before might not be the best choice anymore.

2. Pharmacy Preferences Matter

Some plans charge lower prices at certain pharmacies.
The “preferred pharmacy” in one plan may not be the best option in another.
If you’re not careful, you could end up paying much more just because your pharmacy isn’t in the right network.

3. Some Plans Have Hidden Costs

A plan with a low premium might actually cost more overall because of high copays and deductibles.
Some plans have “tiers” for medications, meaning your drug might cost different amounts depending on which plan you pick.

💡 Instead of trying to figure this out alone, let Palmetto Mutual compare plans for you—it’s free, and we’ll make sure you get the best coverage for the lowest cost!

The Simple Solution: Let Palmetto Mutual Find the Best Plan for You

✔ We review your medications and check which plans cover them at the lowest price.
✔ We compare all Part D plans in Georgetown County, so you don’t overpay.
✔ We make sure your pharmacy is in-network to avoid higher costs.
✔ We help you enroll quickly and hassle-free—no confusing websites, no stress!

👉 Don’t risk picking the wrong drug plan. Call Palmetto Mutual today, and let us do the hard work for you!

Next Up: Local Hospitals & Doctors That Accept Medicare in Georgetown County

Now that you know how Part D drug coverage works, let’s talk about which hospitals and doctors accept Medicare in Georgetown County—so you can make sure your plan works for your healthcare needs.

📞 Call Palmetto Mutual now for a free Part D review—don’t pay more than you have to for prescriptions!

Local Healthcare Providers Accepting Medicare in Georgetown County

Choosing the right Medicare plan isn’t just about costs—it’s also about making sure your plan covers the doctors and hospitals you trust. If you sign up for the wrong plan, you could be stuck paying more out of pocket or even switching doctors unexpectedly.

That’s why it’s so important to check if your doctors, hospitals, and specialists accept your Medicare plan before enrolling.

Instead of guessing or searching through confusing online directories, Palmetto Mutual makes it easy—we’ll match you with a plan that works with your current providers.

Hospitals in Georgetown County That Accept Medicare

If you ever need hospital care, you’ll want to make sure your Medicare plan covers the hospitals near you. Here are the major hospitals in Georgetown County that accept Medicare patients:

1. Tidelands Georgetown Memorial Hospital

📍 Address: 606 Black River Rd, Georgetown, SC
✅ Offers emergency care, surgeries, heart care, and rehabilitation
✅ Accepts Medicare and most Medicare Advantage plans
✅ Provides primary care, cardiology, and cancer treatments

2. Tidelands Waccamaw Community Hospital

📍 Address: 4070 US-17, Murrells Inlet, SC
✅ Known for orthopedic care, women’s health, and physical therapy
✅ Accepts Original Medicare and some Medicare Advantage plans
✅ Has a senior-friendly outpatient rehabilitation center

3. Grand Strand Medical Center (Near Myrtle Beach)

📍 Address: 809 82nd Pkwy, Myrtle Beach, SC
✅ A larger hospital with specialized heart and stroke care
✅ Works with many Medicare plans, but network restrictions may apply
✅ Offers Medicare-covered preventive services like screenings and vaccinations

💡 Not all Medicare plans cover every hospital! Palmetto Mutual helps Georgetown County seniors choose a plan that covers the hospitals they trust.

Primary Care Physicians & Specialists Who Accept Medicare

Seeing a doctor you know and trust is one of the most important parts of your healthcare. In Georgetown, Pawleys Island, and Andrews, there are many Medicare-friendly primary care physicians (PCPs) and specialists.

Some of the top Medicare-accepting clinics and providers include:

Primary Care Clinics

✔ Tidelands Health Family Medicine – Georgetown
📍 2405 N. Fraser St., Georgetown, SC
✅ Accepts Medicare and most Medicare Advantage plans
✅ Offers annual wellness visits and chronic condition management

✔ Murrells Inlet Primary Care
📍 4017 US-17, Murrells Inlet, SC
✅ Works with Original Medicare and certain Medicare Advantage networks
✅ Great for senior care and preventive checkups

Specialists Who Accept Medicare in Georgetown County

✔ Tidelands Health Cardiology – Pawleys Island
📍 9660 Ocean Hwy, Pawleys Island, SC
✅ Provides heart care for seniors with Medicare coverage
✅ Some Medicare Advantage plans require referrals

✔ Coastal Orthopedics – Murrells Inlet
📍 3545 Frontage Rd, Murrells Inlet, SC
✅ Accepts Medicare and Medigap plans
✅ Specializes in joint pain, arthritis, and mobility treatments

✔ Georgetown Cancer Center
📍 2501 N Fraser St, Georgetown, SC
✅ Provides Medicare-covered cancer screenings and treatments
✅ Works with some Medicare Advantage plans—network restrictions may apply

Why Network Restrictions Can Be Tricky

Many seniors in Georgetown County sign up for a Medicare Advantage plan without realizing that:

🚫 Their doctor is not in-network—meaning they must switch doctors or pay full price.
🚫 Their hospital is out-of-network, so a simple hospital stay could cost thousands.
🚫 They need a referral to see a specialist, even if they didn’t before.
🚫 They can’t see a doctor when traveling, since some plans only work in certain counties.

💡 Original Medicare with a Medigap plan lets you see ANY doctor nationwide who accepts Medicare—but Medicare Advantage plans have restricted networks.

This is why it’s critical to choose a plan that fits your preferred doctors and hospitals.

The Easy Way to Find the Best Medicare Plan for Your Doctors

Instead of spending hours checking each plan’s provider directory, let Palmetto Mutual do the work for you!

✔ We make sure your current doctor is covered before you enroll.
✔ We check which Medicare Advantage plans include your hospitals and specialists.
✔ We explain all the hidden costs and rules—so there are no surprises later.
✔ We help you enroll in the plan that works best for you!

💡 Picking the wrong Medicare plan can mean losing your doctor or paying more for care. Call Palmetto Mutual today, and we’ll help you find a plan that works with your doctors and hospitals!

Next Up: Special Medicare Programs for Georgetown County Seniors

If you’re low-income or have special healthcare needs, you may qualify for Medicare Savings Programs or Extra Help. In the next section, we’ll explain how these programs help Georgetown County seniors save money on healthcare costs.

📞 Call Palmetto Mutual today to check if your doctor accepts your Medicare plan and get expert guidance!

Special Medicare Programs for Georgetown County Seniors

Many seniors in Georgetown County live on a fixed income and worry about the rising costs of healthcare and prescriptions. The good news? There are financial assistance programs that can help lower your Medicare costs—but many seniors don’t realize they qualify!

At Palmetto Mutual, we make it easy to see if you qualify for Extra Help, Medicare Savings Programs, or Medicaid Dual Eligibility—and we’ll help you apply for free.

If you’re struggling with high Medicare premiums, copays, or medication costs, keep reading to learn how you can save money!

1. Extra Help (LIS – Low-Income Subsidy) for Prescription Drugs

Do your prescription drug costs feel too high? The Extra Help (LIS – Low-Income Subsidy) program can lower your monthly costs for Medicare Part D (prescription drug coverage).

🔹 Who Qualifies?

You must have Medicare Part A and/or Part B.
You must have limited income and resources (limits change yearly).
You must be enrolled in a Medicare Part D plan.

🔹 How Extra Help Saves You Money:
✔ Lowers your monthly Part D premium (some plans are FREE with Extra Help).
✔ Reduces your copays for medications—many generic drugs cost as little as $4 per month.
✔ Eliminates the Part D late enrollment penalty if you didn’t sign up when first eligible.

💡 Many seniors in Georgetown County qualify for Extra Help but don’t know it! Palmetto Mutual can check your eligibility and help you apply.

2. Medicare Savings Programs (MSP): Help with Medicare Part B Costs

Struggling to afford your Medicare Part B premium? Medicare Savings Programs (MSP) can help cover your Part B premium and even some out-of-pocket costs.

🔹 Who Qualifies?

You must have limited income and resources.
You must have Medicare Part A and/or Part B.
You must meet South Carolina’s income limits (which change each year).

🔹 How Medicare Savings Programs Help:
✔ Pays your Medicare Part B premium ($174.70/month in 2024).
✔ Covers some or all of your Medicare copays and deductibles.
✔ May help with hospital and doctor visit costs.

💡 Not sure if you qualify? Let Palmetto Mutual check for you! If you meet the income guidelines, we’ll help you apply for free.

3. SC Healthy Connections (Medicaid Dual Eligibility)

If you have Medicare and Medicaid, you may qualify for a Medicare Advantage Special Needs Plan (D-SNP) that covers more benefits than regular Medicare.

🔹 Who Qualifies?

You must be eligible for both Medicare and South Carolina Medicaid (Healthy Connections).
You must meet the state’s income and asset limits.
You must live in Georgetown County or another eligible SC county.

🔹 How Medicaid & Medicare Work Together:
✔ Covers your Medicare Part B premium, deductibles, and copays.
✔ Provides additional benefits like dental, vision, hearing, and transportation.
✔ Gives you access to special Medicare Advantage plans designed for dual-eligible seniors.

💡 If you’re on Medicaid, you may qualify for a special Medicare plan with even better coverage! Palmetto Mutual can check your eligibility and find the best plan for you.

Why It’s Important to Check If You Qualify

Many seniors in Georgetown, Pawleys Island, and Andrews don’t realize they qualify for financial help. If you’re living on a fixed income, these programs could save you hundreds or even thousands of dollars per year on:

✔ Medicare Part B premiums
✔ Prescription drug costs
✔ Doctor visits and hospital stays

💡 Even if you think you don’t qualify, it’s worth checking! Income limits change yearly, and you might be eligible now.

The Easy Way to Apply? Call Palmetto Mutual!

Applying for these programs on your own can be confusing—but Palmetto Mutual makes it easy.

✔ We check your eligibility for Extra Help, Medicare Savings Programs, and Medicaid.
✔ We handle the application process for you—FREE of charge.
✔ We make sure you get into the best Medicare plan based on your eligibility.

📞 Call Palmetto Mutual today and let us help you save money on Medicare!

Next Up: How to Enroll in the Best Medicare Plan for You

Now that you know about financial assistance programs, let’s talk about how and when to enroll in the best Medicare plan for your needs. We’ll cover enrollment periods, deadlines, and the easiest way to sign up without stress.

📞 Call Palmetto Mutual today to check your eligibility and get free Medicare help!

How to Enroll in the Best Medicare Plan for You

Choosing the right Medicare plan is one thing—knowing when and how to enroll is another! Many seniors in Georgetown County miss out on great coverage (or end up paying penalties) simply because they don’t enroll at the right time.

Medicare has several enrollment periods, each with its own rules and deadlines. If you miss yours, you might have to wait months to sign up or pay higher costs for life.

💡 The easiest way to enroll stress-free? Call Palmetto Mutual, and we’ll make sure you sign up at the right time!

Medicare Enrollment Periods: When Can You Sign Up?

Medicare has four main enrollment periods you need to know:

1. Initial Enrollment Period (IEP) – When You First Become Eligible

📅 When? The 7-month period around your 65th birthday:

Starts 3 months before your birth month
Includes your birth month
Ends 3 months after your birth month

🔹 Who Should Enroll?

If you’re turning 65 and not getting Social Security benefits yet, you must enroll in Medicare yourself.
If you’re still working and have employer coverage, you may be able to delay Part B without penalty.

💡 Enrolling early ensures your Medicare starts on time! Don’t wait until the last minute. Call Palmetto Mutual to sign up smoothly.

2. Annual Enrollment Period (AEP) – Change Your Medicare Plan

📅 When? October 15 – December 7 (every year)

🔹 What Can You Do?

Switch from Original Medicare to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage plan to another
Enroll in, switch, or drop a Part D prescription drug plan

💡 This is the ONLY time most seniors can change their Medicare coverage! If you don’t review your plan, you could end up paying more than you need to.

3. Medicare Advantage Open Enrollment Period (OEP) – One Last Chance to Switch

📅 When? January 1 – March 31

🔹 Who Can Use It?

If you already have a Medicare Advantage plan, you can switch to a different one or go back to Original Medicare + Part D.
You CANNOT enroll in a Medicare Advantage plan for the first time during this period.

💡 If you made a mistake choosing a Medicare Advantage plan during AEP, this is your chance to fix it. Call Palmetto Mutual to explore better options.

4. Special Enrollment Periods (SEP) – For Life Changes

📅 When? Anytime, if you qualify

🔹 Who Qualifies?

You moved to a new county or state where your plan isn’t available.
You lost employer or union health coverage.
You qualify for Medicaid or Extra Help (Low-Income Subsidy).
Your Medicare Advantage plan left your service area.

💡 If something in your life changes, you may get a chance to enroll or switch plans outside of AEP. Palmetto Mutual can check if you qualify.

Why You Shouldn’t Wait Until the Last Minute

Many seniors wait too long to enroll or change plans, only to realize:

🚫 They missed their deadline and have to wait months for coverage.
🚫 Their preferred doctor is not covered in their new plan.
🚫 Their prescriptions are more expensive because their plan changed.
🚫 They are stuck paying late penalties for life.

💡 Don’t let Medicare deadlines confuse you! Palmetto Mutual tracks all the deadlines for you and ensures you enroll on time with no stress.

The Easiest Way to Enroll Stress-Free? Call Palmetto Mutual!

Enrolling in Medicare doesn’t have to be complicated—we make it easy!

✔ We check your eligibility and enrollment period to make sure you don’t miss deadlines.
✔ We compare all the best plans in Georgetown County to find the right one for you.
✔ We handle the paperwork for you—no confusing forms or Medicare.gov struggles.
✔ We make sure your doctors and prescriptions are covered before you sign up.

📞 Call Palmetto Mutual today to enroll in the best Medicare plan for YOU—quick, easy, and stress-free!

Next Up: Avoiding Medicare Mistakes That Could Cost You Thousands

Now that you know when and how to enroll, let’s go over the biggest Medicare mistakes seniors make—and how to avoid them!

📞 Call Palmetto Mutual today to secure your Medicare plan before it’s too late!

Avoiding Medicare Mistakes That Could Cost You Thousands

Medicare is supposed to help seniors save money on healthcare, but choosing the wrong plan—or missing key deadlines—can actually cost you thousands of dollars in extra fees, medical bills, and penalties.

Many seniors in Georgetown County unknowingly make costly Medicare mistakes that can leave them paying more than they should or stuck with a plan that doesn’t fit their needs.

💡 The good news? You don’t have to make these mistakes! Palmetto Mutual is here to guide you so you get the right plan and avoid unnecessary costs.

Common Medicare Mistakes That Could Cost You Thousands

Many people assume Medicare covers everything or that they can switch plans at any time. Here are the biggest mistakes seniors make—and how to avoid them:

1. Missing Medicare’s Enrollment Deadlines

📅 When? If you don’t sign up for Medicare on time, you could face permanent late penalties.

🚨 Part B Late Enrollment Penalty

If you don’t sign up for Medicare Part B when first eligible (and you don’t have employer coverage), you’ll pay a 10% penalty for every 12 months you delayed.
This penalty lasts for life! If you delay for 3 years, you’ll pay 30% more on your Part B premium every single month.

🚨 Part D Late Enrollment Penalty

If you don’t enroll in Medicare Part D (prescription drug coverage) when first eligible, you’ll pay a 1% penalty for each month you were without coverage.
Even if you don’t take medications now, you should enroll in a low-cost drug plan to avoid lifelong penalties.

💡 Solution: Call Palmetto Mutual before your deadline! We’ll ensure you enroll on time and avoid costly penalties.

2. Choosing the Wrong Medicare Advantage Plan

Many seniors sign up for a Medicare Advantage (Part C) plan without checking the network restrictions and hidden costs.

🚫 Doctor & Hospital Networks Matter

Some plans don’t cover your current doctor or preferred hospital, meaning you’ll have to switch providers or pay out of pocket.
Plans can change their network every year, so a plan that worked for you before might not be the best choice now.

🚫 “$0 Premium” Plans Aren’t Always Free

Some Medicare Advantage plans advertise $0 monthly premiums, but they come with high copays, deductibles, and out-of-pocket limits.
A hospital stay or surgery could leave you with thousands in unexpected costs.

💡 Solution: Palmetto Mutual checks which plans include your doctors, hospitals, and prescriptions before you enroll—so there are no surprises later!

3. Thinking Medicare Covers Everything

Many seniors assume Medicare will cover all their healthcare needs. Unfortunately, that’s not true.

🚫 Medicare does NOT cover:
❌ Dental care (including cleanings, dentures, and extractions)
❌ Hearing aids
❌ Vision care (glasses and eye exams)
❌ Long-term care in a nursing home

💡 Solution: Palmetto Mutual can help you add the right coverage—like a Medicare Advantage plan that includes dental, vision, and hearing, or a Medigap plan that covers medical costs Medicare won’t.

4. Enrolling in the Wrong Drug Plan (Part D)

Picking the wrong Medicare Part D plan could mean paying hundreds more per year on medications.

🚨 Common Mistakes:

Choosing a plan without checking the formulary (drug list)—your prescriptions may not be covered.
Ignoring pharmacy restrictions—some plans charge higher prices at non-preferred pharmacies.
Not reviewing your plan annually—Part D plans change every year, so last year’s best plan might not be this year’s best.

💡 Solution: Palmetto Mutual will review your prescriptions and find the most affordable Part D plan for you—so you never overpay.

5. Assuming You Can Switch Plans Anytime

Many seniors think they can change their Medicare plan whenever they want—but that’s not how it works.

🚨 You Can Only Make Changes During Certain Times:

Annual Enrollment Period (AEP): October 15 – December 7 (for switching Part D or Medicare Advantage plans).
Medicare Advantage Open Enrollment: January 1 – March 31 (for changing Advantage plans).
Special Enrollment Periods (SEPs): Only available in specific situations (like moving to a new county or losing employer coverage).

💡 Solution: Call Palmetto Mutual BEFORE your enrollment period ends to make sure you get the right plan at the right time!

How Palmetto Mutual Helps You Avoid These Mistakes

Medicare is complicated, but you don’t have to figure it out alone. Palmetto Mutual makes Medicare simple, stress-free, and mistake-proof.

✔ We track all deadlines and make sure you enroll on time—no penalties.
✔ We check which doctors, hospitals, and prescriptions are covered before you enroll.
✔ We explain all costs upfront, so you don’t get surprise bills.
✔ We help you pick a plan that truly fits your needs—no regrets later.
✔ We handle everything for free—so you get expert help without spending a dime.

💡 Avoid costly Medicare mistakes—Call Palmetto Mutual today and get expert help for free!

Next Up: Get Free, Personalized Medicare Help from Palmetto Mutual

Now that you know what not to do, let’s talk about how Palmetto Mutual makes Medicare easy—so you don’t have to stress about making the wrong choice.

📞 Call Palmetto Mutual today to protect your savings and avoid Medicare mistakes!

Get Free, Personalized Medicare Help from Palmetto Mutual

Choosing the right Medicare plan is one of the most important decisions you’ll make, but you don’t have to figure it out alone. Instead of calling a random 800 number and talking to someone who doesn’t know your local doctors, hospitals, or available plans, get real, local help from Palmetto Mutual—for free!

We specialize in Medicare for seniors in Georgetown County, and our goal is to make the process simple, stress-free, and tailored to your needs.

Why Work with a Local Brokerage Instead of a Random 800 Number?

Many seniors make the mistake of calling national call centers advertised on TV or mail flyers. But those agents don’t know anything about your local healthcare options—they just push generic plans that might not even work for you.

At Palmetto Mutual, we provide real, personalized Medicare help for Georgetown County seniors—not a one-size-fits-all solution.

✔ We understand Georgetown County’s plans, hospitals, and providers.

We check if your doctors, hospitals, and prescriptions are covered before you enroll.
We find plans that include Tidelands Georgetown Memorial Hospital, Tidelands Waccamaw Community Hospital, and Grand Strand Medical Center—so you don’t have to switch doctors unexpectedly.

✔ No call centers—real, local help from an agent who cares.

When you call Palmetto Mutual, you’ll speak to a real person who understands Medicare—not a script-reading agent in another state.
We take the time to listen to your needs and answer your questions in simple terms.

✔ No cost, no obligation—our help is 100% free.

We don’t charge you anything for our services.
Our job is to help you find the best Medicare plan at the lowest cost—without any pressure.
Whether you need Medicare Advantage, Medigap, or a Part D drug plan, we’ll make sure you get the right plan.

How to Contact Palmetto Mutual Today

Getting expert Medicare help is easy—just choose the contact option that works best for you!

📞 Call Us: [Insert Phone Number]
💼 Visit Our Office: [Insert Office Address (if applicable)]
🌐 Fill Out Our Online Contact Form: [Insert Website Link]

💡 Don’t wait until it’s too late—Medicare deadlines are confusing, and choosing the wrong plan can cost you money. Call Palmetto Mutual today and let us make Medicare easy for you!

Final Thoughts: Let Palmetto Mutual Make Medicare Simple for You

Medicare doesn’t have to be confusing. With Palmetto Mutual on your side, you’ll get:
✅ Expert local guidance tailored to your needs.
✅ Help finding the best plan for your doctors, prescriptions, and budget.
✅ No stress, no confusion, no cost.

📞 Call Palmetto Mutual now to get free, personalized Medicare help from a trusted local expert in Georgetown County!