Medicare help · The Lowcountry
East of the Cooper, Mount Pleasant is one of the state’s largest retirement addresses, with two hospitals of its own — Roper St. Francis Mount Pleasant and Novant Health East Cooper — and MUSC across the bridge.
No cost, no obligation, no pressure.
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Mount Pleasant
Mount Pleasant, Isle of Palms, Sullivan’s Island and Awendaw share Charleston County’s wide Advantage menu, every Medigap carrier in South Carolina and the full Part D lineup. The two hospitals in town contract with different carriers: Roper St. Francis Mount Pleasant Hospital and Novant Health East Cooper Medical Center, which Novant bought from Tenet in 2024. MUSC downtown adds a third.
A large share of Mount Pleasant’s Medicare population moved here from another state, often on a Medigap policy that keeps working or an Advantage plan that ended at the county line. Our moving guide covers the windows that opens; we compare what is sold at your ZIP code with your doctors in hand.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Old Village, I’On, Park West, Carolina Park, Dunes West, Isle of Palms, Sullivan’s Island, Awendaw, McClellanville.
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 Mount Pleasant
Charleston County typically offers a broad Medicare Advantage menu, every Medigap carrier in South Carolina, and the full Part D lineup, set by ZIP code and changing each plan year.
A permanent move gives you a Special Enrollment Period to pick a plan sold in your new county, and leaving a Medicare Advantage plan because you moved out of its service area is a federal guaranteed-issue event: you can buy certain Medigap plans without health questions, generally within 63 days of the old coverage ending. South Carolina has no birthday rule afterward, so decide inside the window.
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
Nearby
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.