Medicare Plans Charleston — Helping You Understand & Choose with Confidence
Understanding the Components of Medicare
Parts of Medicare
What It Covers
Original Medicare (Part A & Part B)
Hospital stays, inpatient care (Part A); doctors visits, outpatient care (Part B).
Medicare Advantage (Part C)
Combines A & B, often includes extras like dental, vision, hearing, wellness programs.
Medigap (Medicare Supplement Plans)
Helps fill “gaps” left by Original Medicare—co-payments, deductibles, excess charges.
Part D (Prescription Drug Coverage)
Helps cover cost of medications; multiple plan options with varying formularies.
Why Use a Local Agent
- Local knowledge of Charleston area providers, hospitals, drug plans.
- Guidance through enrollment periods & avoiding penalties (AEP, SEP).
- Assistance with comparing coverage and costs beyond just premiums—assessing total out-of-pocket.
Plans & Extras We Compare
- Medicare Advantage options with added benefits like dental, vision, hearing, fitness memberships.
- Supplemental (Medigap) plans—letters (A-N) depending on coverage levels.
- Prescription drug (Part D) plans tailored to your medication needs.
- Dual eligible & extra help programs for those who qualify financially.
How to Determine What’s Right for You
Assess your health care usage — How often you visit doctors, specialists, need prescription drugs.
Estimate total costs — Premiums + deductibles + co-payments + out-of-pocket maximums.
Check provider networks & pharmacies — Make sure your preferred doctors and drugs are covered.
Think about extra benefits — Dental, vision, wellness, transportation, etc.
Common Concerns
Can I change my plan later?
Yes—during the Annual Enrollment Period (Oct 15-Dec 7) or if you experience qualifying life events.
What about prescription coverage?
You must enroll in a Part D plan or have other credible drug coverage to avoid penalties.
What happens if I move out of state or my plan’s network changes?
We help you assess your options and switch plans if necessary, especially during allowed periods.
Turning 65? Already on Medicare but need better benefits? We’re here to help. Contact Health Insurance Charleston today to review your Medicare plan options and get the coverage you deserve.
Some carriers that we represent
