Medicare help · The Pee Dee
Florence is the Pee Dee’s medical hub, with McLeod Regional and MUSC Health Florence serving a dozen counties whose own menus are among the thinnest in the state.
No cost, no obligation, no pressure.
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Florence
Florence County offers a moderate Advantage menu, every Medigap carrier in South Carolina and the full Part D lineup. McLeod Regional Medical Center and MUSC Health Florence Medical Center contract with different carriers, and because patients drive in from Darlington, Marion, Dillon and Kingstree, a plan’s network needs to reach the whole region.
Many Pee Dee families also qualify for Healthy Connections Medicaid alongside Medicare, which makes the Medicare Savings Programs and the D-SNPs that replaced Healthy Connections Prime a bigger part of the conversation here. We compare what is sold at your address and check what you qualify for.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Florence, Darlington, Hartsville, Timmonsville, Lake City, Pamplico, Quinby, Marion, Dillon, Kingstree-area families.
Turning 65? Your Initial Enrollment Period is the 7 months around your birthday. Already on Medicare? The Annual Election Period is Oct 15–Dec 7, and Medicare Advantage Open Enrollment runs Jan 1–Mar 31. Moving to South Carolina, losing a plan, or a FEMA hurricane declaration each open a Special Enrollment Period.
Your options
All-in-one Part C plans, often $0 premium, that use a local network — so your providers, your county and your prescriptions matter.
How Advantage worksMedigap pairs with Original Medicare and lets you see any provider nationwide that accepts Medicare — MUSC, Prisma, Duke or Emory across the line, or the hospital in your county seat.
How Medigap worksStandalone drug coverage chosen around your medications and pharmacy. 2026 out-of-pocket cap: $2,100.
How Part D worksAdvantage plans built for a chronic condition, for nursing-facility care, or for people with both Medicare and Healthy Connections Medicaid.
About SNPsQuestions from Florence
Florence County typically offers a moderate Medicare Advantage menu, every Medigap carrier in South Carolina, and the full Part D lineup. Surrounding Pee Dee counties have fewer Advantage plans.
Not always. Each accepts Original Medicare and therefore any Medigap policy, and each contracts with some Medicare Advantage plans and not others; the contracts change yearly. We confirm your doctors and hospital are in-network before you enroll.
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
Ready when you are
A short, friendly conversation — no pressure, no cost.
Written and reviewed by Darin Weidauer — licensed insurance agent (NPN 18580338, SC License #18580338), Gerontologist (USC Leonard Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran.Last reviewed September 13, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov, 1-800-MEDICARE, or I-CARE (South Carolina SHIP) at 800-868-9095.