South Carolina Medicare Plans

The team at David A. Crotts & Associates is here to help you understand and explore your Medicare Options, including Medicare Supplements, Medicare Advantage Plans, and Prescription Drug Plans. Whether you are getting ready to retire, turning 65, or are already enrolled in Medicare, our agents will never charge a fee to answer your questions or assist you with the enrollment process. 

Medicare plans are not always one size fits all and you don’t have to navigate this process alone. We are here to help! 



We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 60 plans in your area. Any information we provide is limited to those plans we do offer in your area. Please contact, 1-800-MEDICARE, or your local State Insurance Health Plan to get information on all of your options. 

Medicare Advantage Plan (Medicare Part C)

Your coverage options

Medicare Advantage plans are offered by private insurance companies to manage your Medicare Part A (inpatient) and your Medicare Part B (outpatient) benefits. These plans are required to meet CMS guidelines and must be as good or better than the original Medicare.  

Learn about the rules Medicare plans must follow when they contact you

Medicare Advantage Plans

To qualify for a Medicare Advantage Plan “Part C”, you must be enrolled in Part A and Part B, also known as   “Original Medicare”.

There are many different types of Medicare Advantage plans tailored to meet individual needs. Some offer Prescription Drug Coverage, while others do not. They may include additional benefits that Medicare alone does not offer, and those options vary from plan to plan.  

what should I know about Medicare Advantage Plans?

Types of Medicare Advantage Plans include:

  • Health Maintenance Organizations (HMO) Plans
  • Preferred Provider Organizations (PPO) Plans 
  • Private Fee-For-Service (PFFS) Plans 
  • Special Needs Plans (SNP) Plans 

It is important to note that Medicare Advantage Plans are NOT the same as Medicare Supplements, and you cannot have both at the same time.  

Medicare Supplement (Medigap) Plans

Medicare Supplement plans, often referred to as a “Medigap” plan, offer additional coverage that you can purchase from private insurance companies to fill in the “gaps” of Original Medicare.  

Medicare Supplement (Medigap) plans are standardized by CMS, meaning that each specific plan must cover the same benefits no matter the carrier. These plans vary in terms of premium, and some offer additional benefits.  

What else should I know about these lettered plans?

Medicare Part D Prescription Drug Plan

“Original Medicare” does not offer coverage for prescription drugs. To fill this need, Medicare Part D was created to offer optional Prescription Drug Plans to individuals enrolled in Medicare. These plans are offered by private insurance companies and must meet CMS guidelines.  While this coverage is optional, if you choose not to join a Prescription Drug Plan when first eligible, you may incur a permanent late enrollment penalty if you decide to enroll at a later date. 

There are two ways to obtain Medicare Part D Prescription Drug coverage:

Stand-Alone Prescription Drug Plan 
These plans offered by private insurance companies are an addition to Original Medicare medical coverage and ONLY cover Prescription Drugs.  

Medicare Advantage Plan (Part C) 
Some Medicare Advantage Plans include Prescription Drug Coverage as well as medical coverage, rolled into one plan.

CMS does not allow a Medicare enrollee to have a Medicare Advantage Plan that includes Prescription Drug Coverage simultaneously with a Stand-Alone Prescription Drug Plan.    

Quick Facts

  • Medicare Advantage & Prescription Drug Plans are issued regardless of current or past health conditions. You cannot be denied enrollment into a Medicare Advantage or Prescription Drug Plan. 
  • Medicare Supplement (Medigap) plans allow 6 months from the date you turn 65 or part B begins, whichever is later, to enroll without answering any health questions. After the 6 month period, you are required to answer health questions and a carrier has the right to decline your application for coverage, or increase your premium rate based on health conditions.
  • No matter what plan option fits your needs, it is important to keep your Red, White, and Blue Medicare card in a safe, accessible place.  

At David A. Crotts & Associates, we know that Medicare may seem complicated and overwhelming. Our agents are licensed, certified, and ready to walk you through each part, step by step, and assist you in choosing a plan that fits your lifestyle.  


"Just a thank you to Mitzi Randall for her great help with Edgefield Ambulance Service billing mistakes. Two minutes on the phone with her and she saved me hundreds of dollars and hours on the phone with them and United Health. P.S. Get her a bigger voicemail box and a raise!"

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Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Southeast for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.


David A Crotts & Associates is a member of Correll Insurance Group and works to bring you coverage that best fits your needs. Visit our corporate site to learn more.

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