Your Neighbors for Medicare Help
in Lexington, South Carolina.

Lexington (zip codes 29072, 29073) and Lexington County have a strong selection of Medicare Advantage and Supplement plans from major national carriers. The specific plans available depend on your zip code. We compare every option available at your address to find the best fit for your doctors, medications, and budget.

Your Initial Enrollment Period (IEP) is a 7-month window that starts 3 months before the month you turn 65 and ends 3 months after. If you miss it without other creditable coverage, you may face permanent late-enrollment penalties. We help Lexington residents map out their IEP, AEP (Oct 15 – Dec 7), and any Special Enrollment Periods that apply.

If you're covered by an employer plan with 20+ employees, you can usually delay Part B without penalty. Smaller employer plans, COBRA, and retiree plans have different rules. We walk through your specific employer situation before any decisions — getting this wrong can cost you for life in late-enrollment penalties.

AEP runs October 15 through December 7 each year. During AEP, you can switch Medicare Advantage plans, switch from Advantage to Original Medicare (or vice versa), or change Part D drug plans. Changes take effect January 1. We do free annual reviews for Lexington clients to make sure their plan still fits.

In most cases, yes — even healthy 65-year-olds need at least a low-cost Part D plan to avoid the permanent late-enrollment penalty. The penalty is roughly 1% of the national base premium for every month you went without creditable drug coverage. Many Medicare Advantage plans include Part D, which simplifies things.

Original Medicare does not cover routine dental, vision, or hearing. Many Medicare Advantage plans available in Lexington include some level of these benefits — but coverage varies widely between plans. We compare benefit details across every available plan so you see exactly what's covered.

Yes — but the rules depend on the type of plan. You can switch Medicare Advantage and Part D plans during AEP every year. Switching to a Medicare Supplement plan after your initial 6-month Medigap Open Enrollment usually requires medical underwriting, where the insurer can deny coverage or charge more based on health. We'll walk you through your options.

Lexington Medical Center is the dominant local hospital, with primary care and specialty practices throughout the area. Prisma Health also has a strong Lexington presence. Network participation varies by Medicare Advantage plan — we verify every doctor and facility you care about before you enroll. Medicare Supplement plans have no networks, so any Medicare-accepting provider is covered.

Yes — we serve the entire Lexington area including Irmo, Chapin, West Columbia, Cayce, Batesburg-Leesville, Gilbert, and Red Bank. Most consultations happen over the phone or by video, but in-person meetings are available throughout the Midlands.

Nothing — our services are completely free to you. We're compensated by insurance carriers when you enroll. Your monthly premium is identical whether you enroll through us or directly with the carrier. There's never any cost or obligation for a consultation.