Medicare Advantage

Humana Medicare Advantage in South Carolina for 2027: 26 Plans, County by County

COLUMBIA, S.C. — For the 2027 plan year, Humana is offering 26 Medicare Advantage plans across South Carolina, according to the Centers for Medicare & Medicaid Services Landscape Source Files. The lineup includes a mix of HMO, PPO and PFFS plans, several Special Needs Plans, and plans with and without drug coverage. Because Medicare Advantage is sold county by county, a plan listed statewide is not necessarily sold in every county — availability depends on the ZIP code where a person lives.

This explainer is published by an independent Medicare education site. It is privately owned, is not the government, and is not Humana or any other insurance carrier. The goal here is to summarize what CMS has published for South Carolina for 2027 so readers can start their own research on the Medicare Plan Finder at medicare.gov.

How many Humana Medicare Advantage plans are offered in South Carolina for 2027?

Humana has 26 Medicare Advantage plans listed for South Carolina for 2027 in the CMS Landscape Source File. By plan type, that breaks down to 5 HMOs, 20 PPOs and 1 PFFS. Within those, there are 2 Dual-Eligible Special Needs Plans (D-SNPs), 2 Chronic Condition Special Needs Plans (C-SNPs) and 2 Institutional Special Needs Plans (I-SNPs). Twenty-one of the 26 plans include Part D prescription drug coverage; the remaining plans do not and would need to be paired with a separate drug strategy if the member wants Part D.

For context, CMS lists 11 other Medicare Advantage carriers operating in South Carolina for 2027, and all carriers combined offer 97 plans statewide. The full plan-by-plan list for Humana appears in the table on this page.

Which Humana plans reach the most South Carolina counties for 2027?

Several Humana plans are listed in 46 South Carolina counties for 2027, which is the widest county reach shown in the CMS file for the carrier. Those include Humana Dual Integrated (HMO D-SNP), Humana Full Access R0110-020 (Regional PPO), Humana Gold Plus - Diabetes and Heart (HMO C-SNP), both Humana Together in Health (PPO I-SNP) plans, one Humana USAA Honor Giveback (PPO), HumanaChoice Giveback H5216-154 (PPO), HumanaChoice H5216-157 (PPO) and HumanaChoice R0110-019 (Regional PPO).

Other plans reach fewer counties. For example, HumanaChoice H5525-049 (PPO) is listed in 7 counties and Humana Gold Choice H8145-069 (PFFS) in 12. The full county counts for every Humana plan are in the table on this page. Statewide reach is not the same as local availability, so each shopper still needs to confirm their own county.

What Humana plans are new or not returning in South Carolina for 2027?

Two Humana plans are new for 2027 in South Carolina: a Humana Together in Health (PPO I-SNP) plan listed in 46 counties, and HumanaChoice Giveback H7617-119 (PPO) listed in 42 counties. One Humana plan from 2026 is not returning for 2027.

If a current member is enrolled in a plan that is not returning, Humana and CMS will send a written notice before the Annual Enrollment Period explaining the change and the options for 2027. That notice is the document to read first; it names the plan by contract number and tells the member what will happen on January 1, 2027 if no action is taken.

How do I check whether a Humana plan is offered in my South Carolina county and covers my doctors and prescriptions?

The quickest way to check is the Medicare Plan Finder at medicare.gov, where entering a ZIP code shows exactly which plans — Humana and others — are available in that specific county for 2027. The CMS Landscape file counts a plan once statewide, but availability is set county by county, so a plan listed for South Carolina may not appear in a given ZIP.

For doctors and hospitals, the plan's own provider directory is the source of truth; for medications, it is the plan's formulary (drug list); and for the full rules on cost sharing and coverage, it is the Evidence of Coverage. All three are published by Humana for each plan. A call to 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week, can also walk a shopper through what is offered at their address.

What should South Carolina Medicare shoppers do before December 7, 2026?

The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026, and a selection made in that window takes effect January 1, 2027. Before December 7, 2026, it helps to review the Annual Notice of Change from the current plan, list current doctors and prescriptions, and compare options on the Medicare Plan Finder using a home ZIP code.

Shoppers who are satisfied with their current plan and see it returning for 2027 generally do not need to take action to stay in it. Those who want to switch — to a different Humana plan, to another carrier, or back to Original Medicare — can do so during the enrollment window.

Where can South Carolina residents get free help comparing 2027 Medicare plans?

Free, official help is available directly from Medicare at 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, and online at medicare.gov. Both sources are run by the federal government and are not tied to any insurance carrier.

The Medicare Plan Finder at medicare.gov is the tool CMS maintains for comparing every Medicare Advantage and Part D plan by ZIP code, including the Humana plans in this article and plans from the other 10 carriers in South Carolina for 2027.