Best Medicare Plans in South Carolina
Medicare in South Carolina is a U.S. government health insurance program that is designed for people who are at least 65 years old or people who have certain medical problems. If you are going to be turning 65 years old soon, then you probably want to learn more about Medicare in South Carolina and how your Medicare coverage can help you save on out-of-pocket costs for your healthcare costs. When you look at the complete description of benefits, you’ll see that Original Medicare can give you extra help with healthcare costs in a nursing home, skilled nursing facility, hospital, doctor’s office and more.
Overview of Medicare in South Carolina
The first thing that you will need to know about Medicare in South Carolina is that it includes Medicare Part A. Medicare Part A is strictly a hospital insurance policy, although it does cover hospice care in many cases, too. Most South Carolina beneficiaries of Medicare Part A do not have to pay a premium for this coverage. Although you probably will not have to worry about premiums, you will have to worry about coinsurance, copayments (copays) and deductibles.
Next, you will need to become a beneficiary of Medicare Part B. Unlike with Medicare Part A, there is a Medicare Part B premium that has to be paid. South Carolina beneficiaries of Medicare Part B can use this form of Original Medicare insurance to help when they see a doctor, have to get care in a skilled nursing facility or head to the emergency room.
Once you are enrolled in Original Medicare Part A and Part B, you can begin taking advantage of the South Carolina Medicare benefits as soon as possible. You do not have to sign up for one of the other Medicare plans in South Carolina if you don’t want to, but you will probably want to so that you can enjoy those additional benefits.
Before your Medicare Initial Enrollment Period, you should start looking into Medicare plans in South Carolina. We are here to help you with just that. We have a Medicare Supplement plans comparison chart here on our website that you can use if you want to learn more about Medicare Supplement plans. We also make it easy for you to shop for Medicare Supplement plan quotes here on our website, or you can call us if you’d like to compare benefits and rates.
Enrollment Statistics for Medicare in South Carolina
If you’re wondering about Medicare in South Carolina and the people who have South Carolina Medicare benefits, consider these quick facts:
- Medicare in South Carolina has a lot of enrollees. In fact, in 2018, there were 1,051,955 Medicare beneficiaries in South Carolina.
- There were 265,685 Medicare Advantage beneficiaries in South Carolina in 2018, too.
Best Types of Medicare Plans in South Carolina
Purchasing additional South Carolina Medicare insurance might be right for you if you want more benefits. It’s smart to compare these different types of Medicare plans in South Carolina so that you can choose the one that is right for you. Then, once you know what type of plan you want, you can check out the options from each insurance company so that you can find the one that offers the best rates.
- Medicare Supplement Plans in South Carolina – One way to enhance your South Carolina Medicare insurance is by purchasing a Medicare Supplement plan. These plans are also known as Medigap plans. Original Medicare insurance leaves behind various gaps in coverage, but beneficiaries of these plans can get help with these costs.
- Medicare Advantage Plans in South Carolina – Many people know of this type of plan as Medicare Part C. The best thing about these plans is that they commonly include Medicare Part D prescription drug coverage, wellness benefits and coverage for hearing, vision and dental care. The downside is that many are HMO or PPO plans with service area network restrictions. Some private insurance companies with top star ratings, such as Aetna, Cigna, and Mutual of Omaha, also offer Advantage health plans that don’t have network restrictions for health care providers. For example, private fee-for-service (PFFS) plans don’t have these restrictions.
- Medicare Prescription Drug Plans – Part D – Don’t make the mistake of waiting to sign up for a prescription drug plan, or you may have to pay the Medicare Part D late enrollment penalty. Once you sign up for a stand-alone plan through an insurance agency, you’ll have help with your prescription drug costs. One of these plans might be included in the monthly premium for your Advantage plan, if you have one, but they aren’t included with Medicare Supplement insurance.
- Special Needs Plans – An SNP might be the best — and only — plan for you if you have end-stage renal failure or another chronic and serious health condition. An insurance agent can help you decide if this is the right plan for you.
South Carolina Medicare Resources
Check out these helpful resources to learn more about Medicare in South Carolina: