Georgia & South Carolina Medicare Advantage

High blood pressure? Diabetes? No problem.

Medicare Advantage plans can’t turn you down because of a pre-existing condition when you enroll during a valid enrollment period. Let’s find a plan that fits your doctors, your prescriptions, and your budget.

$0 to low premium plans*Dental, vision & OTC extras*PPO — no referrals needed*

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Dental, Vision, OTC & More

Extra benefits beyond Original Medicare*

Prescription Drug Coverage

Included in most Medicare Advantage plans*

Hospital & Doctor Coverage

All the benefits of Original Medicare, plus more*

Medicare 101

Medicare Advantage vs. Medicare Supplement Insurance (Medigap): What’s the difference?

Once you have Medicare Part A and Part B (Original Medicare), you still pay a share of your costs — deductibles, copays and coinsurance, with no yearly limit. There are two main ways to help manage those costs: a Medicare Advantage plan, or a Medicare Supplement (Medigap) policy. They work very differently, and you can’t have both at the same time.

Get Help Choosing

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Option 1

Medicare Advantage (Part C)

An all-in-one alternative to Original Medicare, offered by private companies that are approved by Medicare. You still have Medicare, and you keep paying your Part B premium.

Includes your Part A & Part B hospital and medical coverage
Most plans include Part D prescription drug coverage
Often adds extras like dental, vision, hearing & over-the-counter allowances*
Uses a provider network (HMO or PPO) and set copays
Has a yearly limit on what you pay out of pocket for covered services

Option 2

Medicare Supplement (Medigap)

A policy sold by private insurance companies that works alongside Original Medicare and helps pay some or all of your share of covered costs.

Helps with deductibles, copays & coinsurance, depending on the plan letter
See any doctor or hospital in the U.S. that accepts Medicare
Does not include prescription drug coverage — you add a separate Part D plan
Does not usually include dental, vision or hearing
You pay a separate monthly premium on top of your Part B premium

Side by side	Medicare Advantage	Medigap
How it works	Replaces how you get your Original Medicare benefits — the plan pays providers.	Added on top of Original Medicare — Medicare pays first, then your Medigap policy pays its share.
Choice of doctors	Network based. PPO plans let you see out-of-network providers, usually at a higher cost.	Any provider in the U.S. that accepts Medicare. No networks or referrals.
Prescription drugs	Most plans include drug coverage.	Not included. A separate Part D plan is needed.
Extra benefits	Often dental, vision, hearing, OTC allowances and wellness perks.*	Generally none.
Monthly cost	Many plans have a $0 to low plan premium*, plus your Part B premium.	Separate monthly premium (varies by plan, age and location), plus your Part B premium.
When you use care	Copays or coinsurance, with a yearly out-of-pocket maximum.	Depending on the plan letter, covers most or all Original Medicare cost-sharing.
Who can join	Must have Part A & Part B and live in the plan’s service area. Can’t be turned down for health conditions during a valid enrollment period.	Best bought in your 6-month Medigap Open Enrollment, which starts when you’re 65+ and enrolled in Part B. After that, insurers in many cases can ask health questions and may charge more or decline.
Can I have both?	No. If you have a Medicare Advantage plan, you generally can’t use a Medigap policy at the same time.

Medicare Advantage may fit if you…

want one plan that bundles medical, drug and extras, prefer predictable copays and low or $0 premiums, and are comfortable using a network of doctors.

Medigap may fit if you…

want the freedom to see any Medicare provider nationwide, want to limit your cost-sharing, and don’t mind paying a separate premium and adding drug coverage.

Not sure which is right for you?

We’ll walk through both options in plain English — your doctors, your medications, and your budget — at no cost to you.

Book a Free Call Call 770-264-1320

General Medicare information. For full details visit Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048). Our agency specializes in Clover Health Medicare Advantage plans.

Smiling woman checking her blood pressure at home

Living with a health condition?

High blood pressure or diabetes won’t keep you from enrolling.

With a Medicare Advantage plan, you can’t be turned down or charged more because of a pre-existing condition like high blood pressure or diabetes, as long as you enroll during a valid enrollment period. What matters is choosing a plan that fits how you use care. We’ll help you check:

Your doctors and specialists are in the plan’s network
Your prescriptions — including insulin — are covered, and what they cost
Copays for primary care, specialists, labs and supplies
The plan’s yearly out-of-pocket maximum
Extra benefits that may help, like OTC allowances and wellness rewards*

Check My Plan Options

Medicare drug plans cap covered insulin at $35 per month. Medicare Advantage eligibility requires Medicare Part A and Part B and residence in the plan’s service area. Medigap works differently: outside your Open Enrollment or other guaranteed-issue rights, insurers may consider health history.

Why Clover Health Medicare Advantage

Simple. Built to help your budget go farther.

Affordability

$0 to low monthly plan premiums and copays on many plans.*

Flexibility

Large network of hospitals and providers with no referrals required.*

Predictability

A focus on clear copays instead of coinsurance percentages.*

Value

Allowances for dental, eyewear and over-the-counter items.*

Where we serve

Proudly serving Georgia & South Carolina

Clover Health offers PPO Medicare Advantage plans in select counties of both states. Enter your ZIP code and we’ll confirm what’s available where you live.

Georgia

Medicare Advantage PPO plans designed with Georgia residents in mind, available across much of the state — from metro Atlanta to the coast and south Georgia.

See Georgia counties

Plans in Georgia

South Carolina

PPO Medicare Advantage plans for the Lowcountry and surrounding areas, including Charleston, Beaufort, Aiken, Horry (Myrtle Beach) and more.

See South Carolina counties

Plans in South Carolina

County availability is based on Clover Health’s published service areas and can change each plan year. We’ll confirm plans for your ZIP code.

How it works

Three easy steps

Tell us about you

Share your ZIP code and the best way to reach you. Never send your Social Security or Medicare number through this site.

Compare together

A licensed agent reviews plans available in your county and checks your doctors, prescriptions and budget.

Enroll with confidence

Choose the plan that fits and we’ll help with enrollment — and stay available for questions all year.

Your local agent

Smart Flex Agency — We Can Help.

I’m an independent licensed insurance agent helping neighbors across Georgia and South Carolina understand their Medicare options without pressure and without the jargon.

No cost to you for agent help
Plain-English explanations — no pressure
Licensed in Georgia and South Carolina
Support before, during and after you enroll

, Licensed Insurance Agent
GA License # · SC License # · NPN

Schedule a Call

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Questions

Medicare answers in plain English

What do I need to join a Medicare Advantage plan?

You must have Medicare Part A and Part B, continue to pay your Part B premium, and live in the plan’s service area.

When can I enroll?

The Medicare Annual Enrollment Period runs October 15 – December 7, with coverage starting January 1. You may also enroll when you first become eligible, during the Medicare Advantage Open Enrollment Period (January 1 – March 31, if you already have a Medicare Advantage plan), or during a Special Enrollment Period if you qualify.

Will I be denied because of high blood pressure, diabetes or another condition?

No. Medicare Advantage plans can’t deny you or charge you more because of a pre-existing health condition when you enroll during a valid enrollment period. Medigap works differently, so ask us about the difference.

Can I keep my doctors?

It depends on the plan’s network. Tell us your doctors and hospitals and we’ll check before you enroll. PPO plans also let you see providers outside the network, usually at a higher cost.

Are my prescriptions covered?

Most Medicare Advantage plans include drug coverage, and each plan has its own list of covered drugs (formulary). Share your medication list and we’ll compare costs.

What does it cost to work with an agent?

There is no cost to you for agent help. Plan premiums are the same whether you enroll through an agent or directly.

Can I have Medicare Advantage and Medigap together?

No. Medigap is designed to work with Original Medicare. If you have a Medicare Advantage plan, you generally can’t use a Medigap policy at the same time.

Let’s talk

Find out if a Medicare Advantage plan is right for you.

Request a free, no-obligation call from a licensed agent. We’ll answer your questions and check plans in your ZIP code.

770-264-1320

📅 Book a Time Online

TTY 711 · Mon–Fri 9 am – 6 pm

you@smartflexagency.com