Medicare Advantage
Mount Pleasant Medicare 2027: Charleston County Plan Options
MOUNT PLEASANT, S.C. — If you're turning 65 soon or thinking about switching Medicare coverage, here's a snapshot for your area. Mount Pleasant is in Charleston County, where 69 Medicare Advantage plans were available for 2026, offered by 11 different carriers. The 2027 lineup is detailed in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.
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Key takeaways
- Charleston County had 69 Medicare Advantage plans for 2026, offered by 11 different carriers. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.
- The same plan options apply to every Mount Pleasant resident, whether near Shem Creek, Park West, or Awendaw.
- Star Ratings are a 1-to-5 CMS quality scale meant as a research tool, not a recommendation, so a lower-rated plan can still fit your needs.
- Missing Medicare's enrollment deadlines usually means waiting a full year, and free help is available through Medicare.gov, 1-800-MEDICARE, or SHIP South Carolina.
Mount Pleasant seniors have dozens of Medicare choices for 2027
That's a lot of paperwork to sort through. This guide walks you through what those numbers mean, what's new in Medicare for 2027, and where to get free, unbiased help.
What "69 plans" actually means
The 69 figure comes from the CMS Medicare Advantage & Part D Landscape files, which set plan availability at the county level. Every Mount Pleasant resident on Medicare falls under Charleston County's plan list — the same options are available whether you live near Shem Creek, in Park West, or up toward Awendaw.
A few things to know about how the local market looked in 2026, ahead of the 2027 plan year:
- 69 Medicare Advantage plans are offered in Charleston County for 2026.
- 11 carriers offer Medicare Advantage with prescription drug coverage (MA-PD) in the area.
- South Carolina has 11 stand-alone Part D plans for 2026, sold statewide, and anyone in Charleston County with Original Medicare can join one of them. Most people who want drug coverage will get it bundled inside a Medicare Advantage plan, or paired with Original Medicare through a Part D plan they shop for separately on Medicare.gov.
- Star Ratings for 2027 can be looked up on Medicare.gov's Plan Finder for each contract serving this area.
Star Ratings are CMS's 1-to-5 scale measuring plan quality, customer service, and member experience. They're a research tool, not a recommendation — a lower-rated plan can still be the right fit depending on your doctors, prescriptions, and budget.
Who this affects locally
Charleston County is home to roughly 75,028 residents age 65 and older, according to Census estimates. Mount Pleasant has one of the largest concentrations of that population in the Lowcountry, so decisions made during Medicare's fall enrollment window ripple through a big share of local households.
What's new for 2027
A few program-wide changes are worth knowing before you compare anything:
- Part D out-of-pocket cap. The cap is $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending reaches that amount, you pay nothing for covered prescriptions the rest of the year.
- Maximum Part D deductible. The ceiling is $615 in 2026 and $700 in 2027. Individual plans may set a lower deductible, but none can go above this amount.
- No more "donut hole." As of 2025, the coverage gap is gone. Part D now has three phases: deductible, initial coverage, and catastrophic.
- Medicare Prescription Payment Plan. This optional program lets you spread your yearly drug costs into monthly payments instead of paying big amounts at the pharmacy counter.
- IRMAA thresholds. Higher-income beneficiaries pay a surcharge on Part B and Part D premiums. For 2026, IRMAA begins above $109,000 in income for a single filer.
Key dates to circle
- Annual Enrollment Period: October 15 – December 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Choices made now take effect January 1.
- Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan and want to change to another MA plan — or move back to Original Medicare and add a Part D plan — you get one chance during this window.
Missing these dates usually means waiting a full year, so mark your calendar.
How to sort through 69 options without losing your weekend
With this many plans on the shelf, a system helps:
1. Make a list of your doctors and pharmacies. Networks vary widely from plan to plan. 2. Write down every prescription, dose, and how often you take it. Drug formularies are the single biggest source of surprise costs. 3. Use the Plan Finder at Medicare.gov. Enter your ZIP code and drug list; it will show only the plans available in Charleston County and estimate your yearly costs. 4. Call a neutral source before you sign. South Carolina's SHIP program — called SHIP South Carolina / SC SHIIP — offers free one-on-one counseling from trained volunteers who don't sell insurance.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Charleston County
(MA penetration in Charleston County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Are all 69 plans available to me in Mount Pleasant?
How do I get stand-alone Part D drug coverage in Charleston County?
Do I have to switch plans every year?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.