Medicare by region · Florence, Darlington, Hartsville, Dillon, Marion & Kingstree
Florence, Darlington, Dillon, Marion, Marlboro and Williamsburg counties — McLeod and MUSC Health Florence at the center, thinner menus and longer drives in the farm counties around them.
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Medicare in the region
The Pee Dee is hospital-town country: Florence anchors the region with McLeod Regional Medical Center and MUSC Health Florence, and the counties around it lean on those two systems, plus McLeod’s smaller hospitals in Dillon, Cheraw and Manning, MUSC’s in Marion and Kingstree, and Carolina Pines in Hartsville, for anything beyond primary care. Advantage menus are shorter here than on the coast, and a plan that looks fine in Florence may not include the hospital in your own county.
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 than in the metros. We compare what is sold at your address and check what you qualify for.
What to watch: Florence is the Pee Dee’s medical hub and has a moderate Advantage menu. The counties around it — Marlboro, Dillon, Williamsburg — have some of the thinnest menus in the state, and a plan’s network has to reach McLeod or MUSC in Florence to be useful. Original Medicare with a Medigap policy covers both without a network, which is why so many families out here keep one.
Counties: Florence, Darlington, Dillon, Marion, Marlboro, Williamsburg.
Each contracts differently with each plan; we check your doctors first.
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 the Pee Dee
Florence County typically offers a moderate Medicare Advantage menu, every Medigap carrier in South Carolina, and the full Part D lineup. Marlboro, Dillon, Marion and Williamsburg counties have fewer Advantage plans. Availability is set by county and changes each plan year.
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.