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Helping Seniors Make Better-Informed Medicare Decisions
Trying to pick a health insurance plan can be a chore for anyone. For many people, just mentioning the word "open enrollment" sends shivers down the spine. It seems like there's always a nagging feeling that you're wasting money, choosing a plan with poor in-network care, or both. One would think that health insurance gets easier as you approach retirement age, but the truth is that picking an initial Medicare coverage plan can be daunting.
Unfortunately, the confusing process of signing up for Medicare causes many seniors to forego healthcare coverage altogether. After all, Medicare enrollment can involve several federal agencies, including the Social Security Administration (or SSA) and the Centers for Medicare and Medicaid Services (or CMS).
At Senior Medicare Insurance Services, our passion is guiding seniors through the confusion of Medicare. That way, they can enjoy retirement with peace of mind knowing they are protected and ready for life after 65. We work with dozens of insurance companies, giving our clients the chance to choose a plan that best fits their lifestyle.
We choose to design our senior insurance plans with a focus on optimal benefits structure, lower costs, and personalized service. Some independent insurance agencies see their aging customers as nothing more than a financial transaction waiting to happen. In contrast, we treat each of our clients with respect and dignity as we help them navigate the confusing waters of Medicare. Combined with individualized service, we help older Americans make well-informed decisions about insurance. Whether you're in need of senior Medicare Supplement Plan insurance in Aiken or simply have questions about signing up for Medicare, our team is here to help.
Service Areas
What is Medicare?
If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.
Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.
There are four parts of Medicare:

The amount of money you pay for your health care depends on several factors, including:
- What kind of care you need, and how often it is needed.
- The type of Medicare coverage you choose.
- Whether there are alternative insurance policies that will help fill gaps in your coverage
- Whether a doctor agrees to charge you the same amount that Medicare will cover for a medical service
At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.
Senior Medicare Supplement Plan Insurance in Aiken
Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in "gaps" that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.
Private companies like Senior Medicare Insurance Services sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.
Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.
Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:

Deductibles

Copayments

Coinsurance
Important Information About Senior Supplement Plan Insurance
To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
- To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
- Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
- If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
- If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
- Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
- You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
- In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.
For many people, the best time to buy senior Medicare Supplement Plan Insurance in Aiken is during the 7 months Medigap Open Enrollment Period. This period starts the day you turn 65 years old, so long as you hold Medical Insurance (Medicare Part B). Generally, during the enrollment period, you get more policy choices and better pricing. Once the enrollment period is over, you may not be able to purchase a Medigap policy. Contact Senior Medicare Insurance Services today to determine if you qualify for a Medicare Supplement Insurance Plan.
Senior Medicare Advantage Plan Insurance in Aiken, SC
A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:
- Preferred Provider Organizations
- Special Needs Plans
- Private Fee-for-Service
- Medicare Medical Savings Account Plans
- Health Maintenance Organizations

In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.
How Medicare Advantage Plans Work
Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).
Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.
When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.

Medicare Advantage Plan Insurance Rules
Medicare works by paying a set amount of money to the companies that offer senior Medicare Advantage Plan insurance in Aiken. That money is used to pay for the care services that you need. Because Medicare Advantage Plans are different, you should expect out-of-pocket costs to vary depending on the plan you choose.
Different plans have different rules for how you receive services, such as:
If you must go to facilities, suppliers, or doctors that belong to your Advantage Plan for non-urgent and non-emergency care.
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Whether you must get a referral to see a specialized doctor

Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.
Paying for Your Senior Medicare Advantage Plan Insurance
How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.
We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.

The Senior Medicare Insurance Services Commitment
Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:
Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.
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Listening to your specific needs.
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Responding to all inquiries and questions promptly and with a friendly attitude.
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Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.

Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.
Latest News in Aiken, SC
FOTAS: FOTAS partners with USC Aiken to help County Shelter animals
Kathy Cagle FOTAS programs coordinatorhttps://www.postandcourier.com/aikenstandard/lifestyle/fotas-fotas-partners-with-usc-aiken-to-help-county-shelter-animals/article_87c8d250-7374-11ee-acd4-6bd3e48dd199.html
We have been very lucky to be partnering with staff and students at the University of South Carolina, Aiken.This summer, I was contacted by Logan Sharpe, Assistant Director of Student Leadership and Engagement, who had some students that needed volunteer opportunities. We set up a time for them to visit the Aiken County Animal Shelter on September 14. These students blew my mind, they were so kind, they asked all the right questions and sincerely cared about how the shelter works and why it is important.This was the beginning o...
We have been very lucky to be partnering with staff and students at the University of South Carolina, Aiken.
This summer, I was contacted by Logan Sharpe, Assistant Director of Student Leadership and Engagement, who had some students that needed volunteer opportunities. We set up a time for them to visit the Aiken County Animal Shelter on September 14. These students blew my mind, they were so kind, they asked all the right questions and sincerely cared about how the shelter works and why it is important.
This was the beginning of our partnership.
We were then invited to the Volunteer Fair on campus in October. Volunteer Kathy Samaha and I took an adoptable dog Tina to meet students and explain how EASY it can be to volunteer.
Volunteering doesn’t come natural to everyone. It can be uncomfortable calling, setting up training, making time. So, we handed out flyers showing students how they can “check out” a dog through our Doggie Dating Program.
Many students living on campus miss their pets left at home. We offer a program in which all people have to do is call the shelter and set up a pick up time. They can then come get a dog, take it to the park, take it to Dunkin’ Donuts, wherever! It’s just fun and stress relieving for both the students and the dogs. (Plus let’s face it, their generation is way better at taking pics and displaying them on social media to reach our leading adoption market.)
Kaydence Moore is a student at USC Aiken who recently became a volunteer and foster for us. She and her friends have been walking dogs and now she has fostered two dogs!
“I enjoy volunteering and fostering so much,” she said. “I get the chance to improve these dogs’ lives as much as I possibly can and I think that is rewarding enough. I decided to help out at FOTAS because, for one, I saw that they needed volunteers and fosters. All of my pets growing up have been adopted from a shelter or as a stray. With how much they have helped me, both emotionally and physically, I wanted to help and give that back as much as I could.”
This past week, I was invited to speak to students on campus at their Paws 4 a Cause seminar. The students were so great and asked good questions. They were shocked by the number of animals we have and I hope feel motivated to change this community for the better.
We look forward to the administration members coming in November for their volunteer training as well.
We are grateful to be invited to schools in our area. If we are ever going to change the constant flow of unwanted, neglected and abused animals in Aiken County, it will have to be through education.
Their lives are in our hands.
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Applefest returns to Aiken with unicorn horse, treats for all ages
Taylor Beltzhttps://www.postandcourier.com/aikenstandard/news/local/applefest-returns-to-aiken-with-unicorn-horse-treats-for-all-ages/article_ae2d3bc2-71dd-11ee-9531-2fd45bc3b85d.html
Applefest is back on Nov. 4 with special guest Munchie the Unicorn Horse and other activities for the whole family.St. John’s United Methodist Church has been hosting Applefest in Aiken for over 30 years to raise money for various organizations.“It’s a really good community event, just bringing people of all ages and giving back as well, supporting all ages there, too,” Newkirk Barnes said.Munchie the Unicorn Horse will be one of the many activities geared toward children at the festival.Mu...
Applefest is back on Nov. 4 with special guest Munchie the Unicorn Horse and other activities for the whole family.
St. John’s United Methodist Church has been hosting Applefest in Aiken for over 30 years to raise money for various organizations.
“It’s a really good community event, just bringing people of all ages and giving back as well, supporting all ages there, too,” Newkirk Barnes said.
Munchie the Unicorn Horse will be one of the many activities geared toward children at the festival.
Munchie is known for her love of entertaining children and being gentle. He is a part of the Aiken Volunteer Mounted Unit, a nonprofit that works with the Aiken Department of Safety to be ambassadors for the community.
He will be dressed as a unicorn with a golden horn and rainbow braids, Barnes said.
Other activities include face painting, live entertainment and plant sales.
Various apple-themed food items will be available including fresh apples from North Carolina, breakfast items from the Appleseed Café and fried apple pies.
Applefest will have booths dedicated to antiques and thrifting with Twice Loved Treasures and Saks Thrift Avenue. There will also be a jewelry shop and Bookworm, a shop selling hardback and paperback books.
A silent auction will take place as well with items from gift baskets and jewelry to paintings and theatre tickets.
Proceeds from the festival will go to the Cumbee Center, Stand at the Crossroads, Asbury Hills Summer Camp and the Inez Crain Scholarship Fund.
“I think just because knowing that it’s going to be a fun event for everyone who volunteers or attends, that every dollar you spend is going to go right back into the community,” Barnes said. “It’s just a win-win.”
Applefest will take place at St. John’s United Methodist Church on Nov. 4 from 8 a.m. to 2 p.m.
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Prep Football Roundup for Week 11
Staff Reports [email protected]https://www.postandcourier.com/aikenstandard/sports/localsports/prep-football-roundup-for-week-11/article_0ff9f336-750d-11ee-ab3f-03687a1f952a.html
Strom Thurmond 43, Fox Creek 8No. 6 Strom Thurmond wrapped up an unbeaten run through Region 3-AA with a win over Fox Creek.Quan Edmond completed 14 of 18 passes for 198 yards and four touchdowns, Braylon Staley caught six passes for 104 yards and three scores, and the Rebels’ (8-2, 5-0) defense held Fox Creek to 77 yards of offense.Julian Collier rushed for 35 yards on 13 carries, and Nathan Owens threw a 7-yard touchdown pass to Devion Baskett for Fox Creek (1-8, 0-5).Strom Thurmond, the...
Strom Thurmond 43, Fox Creek 8
No. 6 Strom Thurmond wrapped up an unbeaten run through Region 3-AA with a win over Fox Creek.
Quan Edmond completed 14 of 18 passes for 198 yards and four touchdowns, Braylon Staley caught six passes for 104 yards and three scores, and the Rebels’ (8-2, 5-0) defense held Fox Creek to 77 yards of offense.
Julian Collier rushed for 35 yards on 13 carries, and Nathan Owens threw a 7-yard touchdown pass to Devion Baskett for Fox Creek (1-8, 0-5).
Strom Thurmond, the Region 3-AA champion, will be at home next week against Landrum, the No. 5 seed from Region 1-AA, in the opening round of the state playoffs.
Hampton County 33, Barnwell 7
No. 4 Hampton County beat Barnwell to win the Region 6-AA championship.
The Warhorses (6-4, 3-1) are the No. 2 seed from the region and will host Lake Marion, the No. 3 seed from Region 7-AA, next week in the first round of the playoffs.
Silver Bluff 45, Pelion 0
Silver Bluff shut out Pelion to snap a two-game losing streak in the regular season finale.
The Bulldogs (7-3, 3-2 Region 3-AA) finished in a three-way tie for second place in the region standings after Batesburg-Leesville beat Saluda. The Bulldogs are the No. 2 seed after the tiebreaker, meaning next week they will host Mid-Carolina, the No. 5 seed from Region 4-AA, next week in the first round of the playoffs.
Hunter-Kinard-Tyler 26, Ridge Spring-Monetta 20
Hunter-Kinard-Tyler held off Ridge Spring-Monetta in the regular-season finale.
RS-M (1-9, 1-5 Region 4-A) is the No. 6 seed from Region 4-A and will visit second-ranked Christ Church Episcopal, the Region 1-A champion, next week in the first round of the playoffs.
Calhoun County 56, Wagener-Salley 8
Sixth-ranked Calhoun County beat Wagener-Salley to lock up the Region 4-A championship.
The War Eagles were previously in line to be the No. 4 seed from Region 4-A but now will be the No. 3 seed after their loss earlier in the season to Hunter-Kinard-Tyler was forfeited due to H-K-T using an ineligible player in that game. Now they will host C.A. Johnson, the No. 3 seed from Region 3-A, next week in the first round of the playoffs.
Denmark-Olar 52, Williston-Elko 12
Williston-Elko’s season came to an end with a 52-12 loss to Denmark-Olar.
The Blue Devils finish the season 0-10, with an 0-6 mark in Region 4-A play.
Mead Hall names first quarter honor roll
Post and Courierhttps://www.postandcourier.com/aikenstandard/news/local/mead-hall-names-first-quarter-honor-roll/article_257aee66-74ce-11ee-9023-a7ca164e5e88.html
Patrick Folk, Weapons Production Technology, received a Director’s Core Values Award Service from The Savannah River National Laboratory. The award was presented during a recognition event held Wednesday evening in the Aiken Center for the Arts.The following students at Mead Hall Episcopal School were named to the headmaster’s, honor roll for the first quarter: third grade: Preston Boyd, Lane Crowder, Davis Fielder, Win Hartnett, Cordy Henley, Zava Jackson, Henry Johnston, Ella Kucharski, Burck Meyer, Maso...
Patrick Folk, Weapons Production Technology, received a Director’s Core Values Award Service from The Savannah River National Laboratory. The award was presented during a recognition event held Wednesday evening in the Aiken Center for the Arts.
The following students at Mead Hall Episcopal School were named to the headmaster’s, honor roll for the first quarter: third grade: Preston Boyd, Lane Crowder, Davis Fielder, Win Hartnett, Cordy Henley, Zava Jackson, Henry Johnston, Ella Kucharski, Burck Meyer, Mason Rhoades, Cam Smith, Beckham Thomas and Dean Wilson; fourth grade: Asher Thomas Akins, Cooper Alexander, Finley Free, Kate Grande, Kate Kisner, Emma Shade Kleintop, Melina Powers, Harper Raines, Kensie Ravenel, Christian Shaffer and Elle Wendel; fifth grade: Bentley Buckley, Knox Hearne, Camden McEntarffer, Emma McMurtrie, Zadie Meldrum, Carson Moreno, Ford Simons, Carson Smith, Leighton Wyatt; sixth grade: Madison Austin, Charles Davis, Ryder Hays, Adora Jackson, Easton Matthews, Emma Morgan, Parks Stewart, Lily Swartz, Emma Williams and Wyatt Wohlwend; seventh grade: Vivian Arvizu, Ben Berdie, Mary Irving Calfee, Lucy LaLuz, Meredith Langford, Taylor McEntarffer, Zoey Meldrum, Chase Shepherd, Will Simons, Emma Statkus, Keeley Taylor, Savannah Warren and Grice Wyatt; eighth grade: Hayden Baisch, Trinity Carpenter, Evan Collum, Ryals Connor, Cody Hanna, Ella Heath, Wes Herron, Maggie Palmer and Landon Spaeth; ninth grade: Lucy Arvizu, Carly Brown, Pippa Elliott Sawyer, Willson Lee Lawson and Anika Spaeth; 10th grade: Taylor Houck, Russ McLaren, Ron Shepherd; 11th grade: Brooks Abrams, Ryan Dixon, Maddie Godard, Mac Lawson, Stern Massey and Granger Young; 12th grade: Piper Barth, Katie Brown, Esther Marks, Anne Fenton Massie, Robin Merritt, Kate Smith, Abbe Stanley and James Timmons.
Kate Sanders, former chief operating officer and chief marketing strategist, has been promoted to chief executive officer at Alison South Marketing Group.
Sanders succeeds Michael Thomas, who has separated from the group to accept a position of CMO at another company. Thomas has stepped down from leadership effective Sept. 21, 2023, and will remain with the group in a consultant role to support as and when required.
“Kate has the strategic leadership talent to provide end-to-end solutions for our clients,” said Vishal Shah, president and partner. “We have recently added call center services that provide virtual assistants and lead generation services, complex web development, mobile applications and digital marketing platforms in addition to our traditional offerings. Our broader scope of marketing services combined with Kate’s leadership will grow our client portfolio.”
“I have enjoyed helping to build our team and to help many of our long-term clients reach their business goals,” Sanders said. “Our agency has continued to evolve over the past 13 years, and I’m excited about shepherding us to providing a true full-service experience.”
Recently named Columbia County Chamber’s Businesswoman of the Year, Sanders started with Alison South as accounts manager in 2015 and then joined the group as an owner. The South Company, established in 2010, became Alison South in 2016 after purchasing Augusta’s Alison Group.
Nyasia Bing of Aiken has earned the Bachelor of Arts in interdisciplinary studies from Valdosta State University.
Prep Volleyball: Pickens at South Aiken
Kyle Dawson [email protected]https://www.postandcourier.com/aikenstandard/photos/prep-volleyball-pickens-at-south-aiken/collection_a0b565fc-74f6-11ee-a5d1-9f0e03ad1e31.html
Buy NowSouth Aiken’s Katie Roberts (3) passes the ball against Pickens.Buy NowSouth Aiken’s Cayla Gilmore (17) blocks a Pickens attack.Buy NowSouth Aiken’s Katie Roberts (3) controls the ball against Pickens.Buy NowS...
South Aiken’s Katie Roberts (3) passes the ball against Pickens.
South Aiken’s Cayla Gilmore (17) blocks a Pickens attack.
South Aiken’s Katie Roberts (3) controls the ball against Pickens.
South Aiken’s Serenity Hamic (14) lines up an attack against Pickens.
South Aiken’s Anna Karius (7) elevates for an attack against Pickens.
South Aiken’s Marlena Lee (13) lifts off for an attack against Pickens.
South Aiken’s Katie Roberts (3) passes ahead against Pickens.
South Aiken’s Cayla Gilmore (17) and Anna Karius track down the ball to keep a point alive against Pickens.
South Aiken’s Annie Dziczkowski (16) goes up for an attack against Pickens.
South Aiken’s Annie Dziczkowski (16) receives a serve against Pickens.
South Aiken’s Annie Dziczkowski (16) rises for the game-ending kill against Pickens.
South Aiken’s volleyball team celebrates after beating Pickens in the third round of the Class AAAA playoffs.
South Aiken’s Anna Karius (7), Katie Roberts (3), Cayla Gilmore (17), Sydney Green (8), Serenity Hamic (14) and Annie Dziczkowski (16) celebrate after beating Pickens in three sets in the third round of the Class AAAA playoffs.
South Aiken’s volleyball team poses for a victory selfie after beating Pickens in the third round of the Class AAAA playoffs.
Aiken High’s Amelia Pettigrew finished seventh at the Region 4-AAAA cross country championship.
South Aiken’s Hattie Merryman (870) finished fourth at the Region 4-AAAA cross country championship.
Aiken High’s Lilly Young (792) finished sixth and North Augusta’s Emily Lafont (848) was fifth at the Region 4-AAAA cross country championship.
Aiken High’s Jillian Nation (786) finished third and Resa Slack (790) was eighth at the Region 4-AAAA cross country championship.
Aiken High’s Eliza King won the girls’ Region 4-AAAA cross country championship.
North Augusta’s Scout Lorier (850) finished second at the Region 4-AAAA cross country championship. Aiken High’s Eliza King (783) was the winner.
Midland Valley’s Karley Bedenbaugh finished 21st at the Region 4-AAAA cross country championship.
Wyatt McClearen led Midland Valley with a 19th-place finish at the Region 4-AAAA cross country championship.
North Augusta’s Grey Steed finished eighth at the Region 4-AAAA cross country championship.
Aiken High’s Cameron Clark finished seventh at the Region 4-AAAA cross country championships.
South Aiken’s David Baker finished sixth at the Region 4-AAAA cross country championship.
Aiken High’s Gabriel Williams finished fifth at the Region 4-AAAA cross country championship.
Aiken High’s Andy Colon-LaBorde finished fourth at the Region 4-AAAA cross country championship.
North Augusta’s Titus Sabean finished third at the Region 4-AAAA cross country championship.
Aiken High’s Carson Colmer finished second at the Region 4-AAAA cross country championship.
Aiken High’s Adam Fundak was the individual winner of the boys’ Region 4-AAAA cross country championship.
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