Best Medicare Advantage Plans in Florence County, SC for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Florence County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Florence County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Wellcare Simple Open (PPO)Wellcare · PPOAll 46 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $192/yr | $0 | $6,300 | $6,300 | 3★ |
| 2 | Wellcare Assist Open (PPO)Wellcare · PPOAll 46 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $350/yr per ear · OTC items $192/yr | $0 | $6,500 | $6,500 | 3★ |
| 3 | Wellcare Assist (HMO-POS)Wellcare · HMO-POSAll 46 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr · hearing aids $500/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 4 | AARP Medicare Advantage from UHC SC-0005 (HMO-POS)UnitedHealthcare · HMO-POSAll 46 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 5 | HumanaChoice H5216-423 (PPO)Humana · PPO44 of 46 counties · drug deductible $550Dental up to $3,000/yr · eyewear $200/yr | $0 | $7,150 | $7,150 | 4★ |
| 6 | Wellcare Simple (HMO-POS)Wellcare · HMO-POSAll 46 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $750/yr per ear | $0 | $7,150 | $7,150 | 3★ |
| 7 | AARP Medicare Advantage from UHC SC-0006 (HMO-POS)UnitedHealthcare · HMO-POSAll 46 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $49 | $7,150 | $7,738 | 3.5★ |
| 8 | AARP Medicare Advantage from UHC SC-0004 (PPO)UnitedHealthcare · PPOAll 46 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $58 | $7,150 | $7,846 | 4.5★ |
| 9 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO45 of 46 counties · drug deductible $500Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $7 | $8,200 | $8,284 | 3.5★ |
| 10 | HumanaChoice Giveback H7617-094 (PPO)Humana · PPO38 of 46 counties · drug deductible $700Part B giveback $108/mo · Dental · eyewear $150/yr | $0−$108 Part B giveback | $9,850 | $8,554 | 4.5★ |
| 11 | HumanaChoice Giveback H5216-345 (PPO)Humana · PPO39 of 46 counties · drug deductible $700Part B giveback $106/mo · Dental · eyewear $150/yr | $0−$106 Part B giveback | $9,850 | $8,578 | 4★ |
| 12 | HumanaChoice H5216-347 (PPO)Humana · PPO44 of 46 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr | $0 | $9,100 | $9,100 | 4★ |
| 13 | HumanaChoice H7617-095 (PPO)Humana · PPO43 of 46 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr | $0 | $9,100 | $9,100 | 4.5★ |
| 14 | Humana Gold Plus Giveback H5619-169 (HMO)Humana · HMO42 of 46 counties · drug deductible $700Part B giveback $58/mo · Dental · eyewear $100/yr | $0−$58 Part B giveback | $9,850 | $9,154 | 4★ |
| 15 | HumanaChoice Giveback H5216-154 (PPO)Humana · PPOAll 46 counties · drug deductible $700Part B giveback $47/mo · Dental · eyewear $100/yr | $0−$47 Part B giveback | $9,850 | $9,286 | 4★ |
| 16 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POSAll 46 counties · drug deductible $700Part B giveback $45/mo · Dental · eyewear $100/yr | $0−$45 Part B giveback | $9,850 | $9,310 | 3★ |
| 17 | BlueCross Total Value (PPO)Blue Cross Blue Shield of South Carolina · PPO15 of 46 counties · drug deductible $700Part B giveback $1/mo · Preventive dental up to $1,000/yr · eyewear $150/yr · OTC items $20/yr | $0−$1 Part B giveback | $9,850 | $9,838 | 3.5★ |
| 18 | Humana Gold Plus H5619-152 (HMO)Humana · HMO41 of 46 counties · drug deductible $450Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 19 | Humana Gold Plus H5619-171 (HMO)Humana · HMO42 of 46 counties · drug deductible $550Dental up to $3,000/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 20 | HumanaChoice H5216-280 (PPO)Humana · PPO39 of 46 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr | $7.30 | $9,850 | $9,938 | 4★ |
| 21 | Humana Full Access R0110-020 (Regional PPO)Humana · Regional PPOAll 46 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $138 | $9,850 | $11,506 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 32 in 2026, 32 in 2027.
- $0-premium plans: 24 in 2026, 27 in 2027.
- Median in-network out-of-pocket maximum: $8,200 in 2026, $9,250 in 2027.
- 6,823 people here were in a general-audience Advantage plan in October 2026; 677 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS), Humana USAA Honor Giveback (PPO), BlueCross Blue Basic (PPO), AARP Medicare Advantage Patriot No Rx SC-MA2 (PPO), HumanaChoice R0110-019 (Regional PPO), Wellcare Patriot Giveback (HMO-POS), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle (PPO), HumanaChoice H5216-157 (PPO), UHC Medicare Advantage Patriot No Rx GS-MA01 (Regional PPO).
Questions
How many Medicare Advantage plans are in Florence County for 2027?
21 general-audience plans with drug coverage, 16 of them with a $0 monthly premium, compared with 32 plans and 24 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Florence County?
Wellcare Simple Open (PPO) from Wellcare: $0 a month with an in-network out-of-pocket maximum of $6,300, so at most about $6,300 for the year in premiums and in-network costs.
Do any Florence County plans have a Part B giveback?
6 do. The largest is $108 a month off your Part B premium, from HumanaChoice Giveback H7617-094 (PPO).
How many Florence County plans have 4 or more stars?
11 of 21, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
Keep going
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