$0 Premium Medicare Advantage Plans in South Carolina
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in South Carolina for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 37 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO6 of 46 counties · drug deductible $600Part B giveback $182/mo · Dental up to $750/yr · eyewear $100/yr | $0−$182 Part B giveback | $6,700 | $4,516 | 3★ |
| 2 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 46 counties · drug deductible $600Part B giveback $116/mo · Dental up to $500/yr · eyewear $100/yr | $0−$116 Part B giveback | $6,700 | $5,308 | 3★ |
| 3 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 46 counties · drug deductible $600Part B giveback $120/mo · Dental up to $700/yr · eyewear $100/yr | $0−$120 Part B giveback | $6,750 | $5,310 | 3★ |
| 4 | DEVOTED CHOICE GIVEBACK 002 SC (PPO)Devoted Health · PPO29 of 46 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $750/yr · eyewear $200/yr · OTC items $120/yr | $0−$184.70 Part B giveback | $7,750 | $5,534 | 4.5★ |
| 5 | DEVOTED CORE 001 SC (HMO)Devoted Health · HMO29 of 46 counties · drug deductible $650Dental up to $2,250/yr · eyewear $300/yr · OTC items $200/yr | $0 | $5,900 | $5,900 | 4.5★ |
| 6 | 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★ |
| 7 | DEVOTED CHOICE GIVEBACK EXTRAS 040 SC (PPO)Devoted Health · PPO29 of 46 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,500/yr · eyewear $350/yr · OTC items $600/yr | $0−$70 Part B giveback | $7,150 | $6,310 | 4.5★ |
| 8 | 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★ |
| 9 | DEVOTED CHOICE 001 SC (PPO)Devoted Health · PPO29 of 46 counties · drug deductible $650Dental up to $2,250/yr · eyewear $300/yr · OTC items $200/yr | $0 | $7,050 | $7,050 | 4.5★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | HealthSpring Preferred (HMO)HealthSpring · HMO6 of 46 counties · drug deductible $500Dental up to $1,300/yr · eyewear $100/yr · OTC items $80/yr | $0 | $7,150 | $7,150 | 3★ |
| 13 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 46 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · OTC items $80/yr | $0 | $7,150 | $7,150 | 3★ |
| 14 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 46 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · OTC items $80/yr | $0 | $7,150 | $7,150 | 3★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO15 of 46 counties · drug deductible $500Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $8,200 | $8,200 | 3.5★ |
| 18 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO3 of 46 counties · drug deductible $400Dental up to $1,750/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $8,200 | $8,200 | 3.5★ |
| 19 | Clover Health LiveHealthy Giveback (PPO)Clover Health · PPO12 of 46 counties · drug deductible $425Part B giveback $110/mo · Preventive dental up to $1,000/yr · eyewear $200/yr · OTC items $120/yr | $0−$110 Part B giveback | $9,850 | $8,530 | 5★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | HumanaChoice Giveback H7617-119 (PPO)Humana · PPO42 of 46 counties · drug deductible $700Part B giveback $65/mo · Dental · eyewear $100/yr | $0−$65 Part B giveback | $9,850 | $9,070 | 4.5★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO7 of 46 counties · drug deductible $500Part B giveback $30/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0−$30 Part B giveback | $9,850 | $9,490 | 4★ |
| 29 | 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★ |
| 30 | BlueCross Total Value (PPO)Blue Cross Blue Shield of South Carolina · PPO7 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★ |
| 31 | BlueCross Total Value (PPO)Blue Cross Blue Shield of South Carolina · PPO7 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★ |
| 32 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO12 of 46 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 33 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO7 of 46 counties · drug deductible $500Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0 | $9,850 | $9,850 | 4★ |
| 34 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 46 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 35 | Clover Health LiveHealthy (PPO)Clover Health · PPO22 of 46 counties · drug deductible $250Dental up to $1,000/yr · eyewear $250/yr · OTC items $220/yr | $0 | $9,850 | $9,850 | 5★ |
| 36 | Humana Gold Plus H5619-152 (HMO)Humana · HMO41 of 46 counties · drug deductible $450Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 37 | 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★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our South Carolina Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in South Carolina for 2027?
37 of the 54 general-audience Medicare Advantage plans with drug coverage in South Carolina have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among South Carolina's $0 plans, the lowest in-network maximum is $5,900 and the median is $9,100.
Which $0 premium plan in South Carolina has the lowest worst-case cost?
HealthSpring Preferred Savings (HMO) from HealthSpring, with an in-network out-of-pocket maximum of $6,700 and a Part B giveback of $182 a month. It is sold in 6 of 46 counties.
Do any $0 premium plans in South Carolina also have a Part B giveback?
Yes, 16 of them. See the South Carolina Part B giveback plans.
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.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All South Carolina Medicare Advantage plans, ranked →
- Part B giveback plans in South Carolina →
- Where $0 plans are disappearing in 2027 →
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