Best Medicare Supplement Plans in South Carolina

Medigap policies cover the gaps in coverage that Original Medicare insurance does not pay. Out-of-pocket expenses include copayments, deductibles, and coinsurance. There are ten Medicare Supplement plans in South Carolina. Each provides a different level of coverage — in addition to your standard Medicare benefits — to help you save on healthcare costs.

Of the ten plans, Medicare Supplement Plan G is the best option for most beneficiaries in South Carolina.

The best rates on Plan G are with Mutual of Omaha, at $116 per month for a 65-year-old male.

We also found that Medicare Supplement Plan N ranks second with Mutual of Omaha at $84 monthly.

What Do Medicare Supplement Plans Cover?

Below is a list of the top four plans with coverage highlights:

Best Comprehensive Coverage: Medicare Supplement Insurance Plan G

  • Medicare Plan G is an option for those who became eligible for Medicare after Jan. 1, 2020, and it is the Medicare Supplement plan most similar to Plan F.
  • With a Medigap Plan G insurance policy, you will have assistance with copayments, coinsurance, and deductibles, but it doesn’t cover the Part B deductible.

Best Value: Medicare Supplement Insurance Plan N

  • Medigap Plan N gives beneficiaries cost savings with lower premiums.
  • With lower premiums come higher out-of-pocket costs. For example, plan N requires a $20 copay for doctor’s appointments and up to $50 for emergency room visits.

Best Low Cost: Medicare Supplement High Deductible Plan G

  • High Deductible Plan G has the Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible. 

Medicare Supplement Insurance Plan F

  • Medicare Supplement Plan F has been the most popular plan option for Medicare Supplement insurance in South Carolina. The drawback is that it’s only available to those who became eligible for Medicare before Jan. 1, 2020.

Based on our review of several key factors, Mutual of Omaha is the top Medicare Supplement company in South Carolina.

Although Mutual of Omaha Medigap plans may provide some of the most affordable options in South Carolina, cost should not be the only factor when selecting a Medicare Supplement provider. Every company has its unique pros and cons based on its coverage methods.

Mutual of Omaha stands out among the competition due to its cost-effectiveness, numerous plan options, household discounts on premiums, and excellent customer satisfaction ratings.

This chart compares Mutual of Omaha with other Medicare Supplement companies in South Carolina. You’ll find helpful information here, like sample premiums and ratings.

Plan G CostCompanyFinancial Strength
$116Mutual of Omaha A+
$125Cigna A
$128 Aetna A
65 y/o male, nonsmoker
Plan N CostCompanyFinancial Strength
$84Mutual of OmahaA+
65 y/o male, nonsmoker

When Can I Apply for a Medicare Supplement Plan?

You can begin to apply for a Medicare Supplement plan in SC during a six-month period that begins the month you turn 65. This is the only time you can buy a Medigap policy with zero penalties, even if you have pre-existing or underlying conditions. The insurance plans cost the same no matter how healthy you are.

After this enrollment period, you can still buy a Medigap policy, but it may be more expensive because insurers can consider your health condition when underwriting.

You must be enrolled in Original Medicare before applying for a Medicare Supplement plan.

Please note that the Medigap open enrollment period differs from the Medicare Advantage open enrollment period. Oct. 15 to Dec. 7 is the open enrollment period when you can change your Medicare Advantage plan, also known as Medicare Plan C. You can also change Medicare Part D, which offers prescription drug coverage, during this time.

Please speak to your licensed insurance agent to clarify deadlines and enrollment periods.

How to Choose a Medigap Plan in South Carolina

As you compare plans available in your area, consider these factors:

Monthly premium: This is paid in addition to your Part B monthly premium. It is a set amount you pay each month, regardless of whether or not you use your benefits. The premium costs are determined based on several factors, such as the type of plan selected, age, gender, tobacco use, and state of residence.

Plan options: With every type of plan, you are offered basic coverage for Part A copays and coinsurance, at least a portion of the Part B copays and coinsurance, three pints of blood, and hospice care. However, other benefits may not be included. Check which benefits are most important to you before finalizing your purchase.

Insurance provider: Always check the ratings and reviews to understand other people’s experiences when looking for a carrier. You can also contact a company representative to discuss their customer service levels and responsiveness.

Extra discounts: Some insurance companies offer additional benefits or discounts once you become a member. For example, you may have access to discounted hearing aid providers or eyeglass suppliers.

Frequently Asked Questions:

What Is the Cost of Medicare Supplement Plans in South Carolina?

Premiums range from $50 to $382 a month but could vary depending on age, location, and other factors.

What Is the Best Medicare Supplement Provider in South Carolina?

Aetna, Cigna, and Mutual of Omaha have a solid reputation for providing reliable coverage to various healthcare needs.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you’re getting the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.