Coastal Georgia and the South Carolina Lowcountry, plus 9 further states by phone or video.

State overview

Medicare and health cover across South Carolina

The Lowcountry is close enough that Hardeeville is a shorter drive from our office than Hinesville. We sit down with households from Bluffton to Walterboro, and the state line matters far more to a plan network than it does to a journey.

  • 4 counties
  • 24 communities
  • In person, not a call centre
Aerial view of Savannah, Georgia showing historic buildings and cityscape.

Shopping in South Carolina

Four things that are different in South Carolina


The state line is a network line

A Jasper County household that has always used Savannah doctors is crossing a state border every time. Some plans handle that comfortably and some do not, so for anyone within half an hour of the river the out-of-state question is the first one we ask, not the last.

Beaufort County is two markets, not one

Hilton Head Island and the northern end of the county are served by different hospitals and, often, by different network tiers of the same plan. A plan that looks identical on paper can behave very differently depending on which bridge you live past.

Seasonal residents and permanent residence

Plenty of Lowcountry households spend part of the year elsewhere. Medicare cares where you permanently live, and a genuine permanent move opens a Special Enrolment Period. Splitting the year does not, which surprises people every single autumn.

Rural pharmacy access

In Hampton and inland Colleton, the nearest preferred pharmacy for a given Part D plan can be a thirty-minute drive while another plan has one in the village. That difference is usually worth more over a year than the difference in premium.

Medicare Advantage and Part D plans are approved county by county. A plan a neighbour raves about may not be filed where you live, and a plan you have today can leave your county while staying in the next one. Your county of permanent residence — not your postal address, not where you bank — decides the list.

Find out what is actually available where you live

Tell us the county and we will run the list that is genuinely on sale there — not the one from the advert that arrived in the post.

  • No cost to you
  • No pressure
  • Independent agency

Free plan review

A licensed advisor, usually the same day. Savannah office, your kitchen table, or a video call.

(912) 555-0148

Mon – Thu 8:30 am – 6:00 pm

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