Sun City Hilton Head

2027 Medicare Plan Changes for Sun City Hilton Head Residents

by

Skyler Abilla

2027 Medicare Plan Changes for Sun City Hilton Head Residents

BlueCross Total PPO is leaving Beaufort County for 2027, and plan choices are shrinking nationwide. Here is what Sun City Hilton Head residents should check before December 7.

2027 Medicare Plan Changes for Sun City Hilton Head

2027 Medicare Plan Changes Sun City Hilton Head Residents Should Know About

A well-known local plan is leaving Beaufort County, and plan choices are shrinking across the country. Here is a checklist before December 7.

2,505
Members in the BlueCross Total PPO plan leaving Beaufort and Charleston counties
35
Average Medicare Advantage plans per person nationally in 2027, down from 39
$12.00
Average monthly Medicare Advantage premium in 2027

The local change

BlueCross BlueShield of South Carolina is removing its BlueCross Total (PPO) plan from Beaufort and Charleston counties for 2027, according to a plan-ending tracker. If your Sun City address is in Beaufort County and you have that plan, you will get a letter and will need to choose a new plan. See our full article on the change.

The national picture

CMS says the average Medicare Advantage premium falls to $12.00 in 2027, from $14.37. KFF reports the typical person will have 35 plans to choose from, down from 39 in 2026. Premiums may look better, but your doctors, drugs, and extra benefits can still change.

Your annual checklist

Read your Annual Notice of Change if you have one. Check whether your doctors are still in the network. Look up each prescription in the 2027 formulary. Compare the yearly out-of-pocket maximum, not just the premium. Ask what the plan covers for dental, vision, and hearing.

Drug coverage

The average stand-alone Part D premium is about $36 a month in 2027, up less than $1. The drug cost inside Medicare Advantage plans averages $7 a month. The yearly out-of-pocket cap on covered drugs is $2,100 in 2026, so check the 2027 amount.

If you do nothing

Most plans renew automatically, but a plan that is ending will not. If you got a non-renewal letter, you must choose a new plan or you could end up with Original Medicare only.

Talk to a local agent

Skyler Abilla is a licensed Medicare agent who lives near Sun City. Call (843) 284-6815 or book a free call.

Annual Enrollment runs October 15 to December 7. People whose plan is ending may also get a special enrollment period starting December 8, according to a plan-ending tracker.
Your Dates for 2027 Coverage
October 15, 2026
Annual Enrollment opens. Compare plans and check your Annual Notice of Change.
December 7, 2026
Annual Enrollment ends. Choices made by this date start January 1.
December 8, 2026 to February 28, 2027
Special enrollment period for members whose plan is ending, per a plan-ending tracker. Your notice will list your exact dates.
January 1, 2027
New plan year begins.
January 1 to March 31, 2027
Medicare Advantage Open Enrollment for people already in a Medicare Advantage plan.

Source: CMS, September 28, 2026; KFF, "Medicare Advantage in 2026"; GetFastRates plan-ending data for South Carolina, 2027; Medicare.gov enrollment dates.

A note on this data: National averages do not describe your own county. Plan-ending information comes from a third-party tracker; confirm in your notice.

Abilla Advisors is not affiliated with, endorsed by, or sponsored by Sun City Hilton Head, Del Webb, or the Sun City Community Association. The name is used only to describe the area we serve. This article is for educational purposes only. Abilla Advisors does not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP). This content is not connected with or endorsed by the U.S. Government or the federal Medicare program.

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