Medicare Supplement Insurance Plans in South Carolina

Medicare Supplement Insurance Plans in South Carolina (SC)

Medicare Supplement Plans South Carolina

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Comparing Medicare Supplement Insurance Plans in South Carolina (SC)

Medicare Supplement Plans in South Carolina

For Medicare Supplement Plans in South Carolina, there are several choices, but what is the best Medicare Supplement Plan in South Carolina? The answer to that question is “It depends”.  I know that is not exactly what you are looking for but please keep reading for a full explanation or call us anytime at 844-528-8688 for a personal consultation on what Medicare Supplement Plan in South Carolina fits you the best.

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No matter where you live in South Carolina when you enter Medicare, you need Medicare supplemental coverage that fits your lifestyle and budget. Medicare Supplement Plans South Carolina are readily available without any clinical underwriting throughout your open enrollment period.  See our Medicare Supplement Guide for information on entering into Medicare.

  • Medicare Supplement Plans can reduce your out-of-pocket costs required by Medicare Part A and Part B
  • Before you can enroll in a Medicare Supplement Plan, you need to enroll in Medicare Part A and B
  • You can choose from 10 Medicare Supplement plans and 2 high-deductible plans in South Carolina

First Things First, You Need Medicare

To be eligible for a South Carolina Medicare Supplement Plan, you need to have Medicare Parts A and B.

Medicare Part A Hospital Insurance

Medicare Part A Hospital Insurance

This part of Medicare, helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care.

Part A is $0 for most people

Has a “Per Period” Deductible

$1556.00

Medicare Part B

Medicare Part B Medical Insurance

This part of Medicare helps pay for doctor bills, outpatient hospital care, and other medical services not covered by Part A.

Part B is $170.10 per month for most 

Has an annual deductible

 $233.00

Enrolling into Medicare

There are two different scenarios when it comes to your Medicare Enrollment, to find out what you need to do to enroll in Medicare, see below to find which fits your situation.

1

If You Are Currently Receiving Social Security

If you are currently receiving Social Security Payments, you will receive your Medicare card in the mail, approximately 90 days prior to your 65th birthday.

2

If You Are NOT Currently Receiving Social Security

If you are not receiving Social Security Payments you will need to Enroll into Medicare with the Social Security Dept.  You can call 1-800-772-1213, Online at www.SocialSecurity.gov, or visit your local Social Security Office.

Finding Your South Carolina Medicare Supplement Plan

Now that you understand signing up for Medicare, it is time to find the best South Carolina Medicare Supplement Plan for you.  While rates for Medicare Supplement Plans South Carolina are very important, you need to also look at the company and the rate increase history.  What might be the absolute cheapest monthly premium now, could end up very costly down the road.

Medicare Supplement Companies tend to come into an area with a very low “introduction price” in essence they are buying new business.  After they start building the book of business they will raise the rates significantly to cover the losses.  This is just one of the reasons we at Medicare Solutions Team carry over twenty Medicare Supplement Plans South Carolina providers.

EASILY COMPARE PLANS AND RATES

EASILY COMPARE PLANS AND RATES

Medicare Supplement Plans, sometimes called Medigap Plans are set and standardized by CMS (Medicare).  They offer 10 plans but the three most popular are Plan F, Plan G, and Plan N.

Medicare Supplement Plans Texas

How do you choose a Medicare Supplement Plan?

You’ll find that Medicare Supplement Insurance in South Carolina is more valuable if you purchase a plan that covers the types of costs you encounter the most often. To buy, first look for a plan with coverage and a price you can afford. If your healthcare needs are different or much greater, higher-priced plans could save you money on those needs in particular.

How Much do Medigap Plans Cost in South Carolina?

Medigap policies offer different levels of coverage, and their costs, copayments, and deductibles vary, too. The following examples show premiums for a 65-year-old female and male in South Carolina who doesn’t use tobacco: 

65-year-old Woman

PLANPremium
Plan F$107 to $385
Plan G$84 to $361
Plan N$62 to $341
Rates are subject to underwriting and geographic area.

65-year-old Male

PlanPremium
Plan F$108 to $435
Plan G$95 to $408
Plan N$71 to $385
Rates are subject to underwriting and geographic area

South Carolina Medicare Supplement Plan F

The Plan F Medicare Supplement Plan South Carolina, simply put, covers everything.  On the face that seems like a great idea, but there are a few reasons why.

  1. It is the most expensive Plan on the Market
  2. It has the highest rate increases of all the Medicare Supplement Plans
  3. The Medicare Supplement Plan F will no longer be available to new enrollment as of 2020.

**The Medicare Supplement Plan F High deductible plan will not be changed in 2020.

South Carolina Medicare Supplement Plan G

The Medicare Supplement Plan in South Carolina that offers the most coverage for the lowest premium is Medigap Plan G.  The Medicare Supplement Plan G offers the exact same benefits of Plan F except that you will pay the Part B deductible.  The Part B deductible is set by Medicare and can change, but at this time it is $233.00 per year. 

The South Carolina Medicare Supplement Plan G is normally $300.00 to $400.00 per year less in premium than the Plan F and historically has much lower rate increases.  

Once the Part B deductible ($233.00 for 2022) is paid, your benefits will be identical to the Medicare Supplement Plan F.  Why would anyone want to pay an insurance company $300.00 to $400.00 a year more just to pay a $233.00 deductible.

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View Plan G Quotes-Enter Your Zip Code:

View Plan G Quotes-Enter Your Zip Code:

South Carolina Medicare Supplement Plan N

Medicare Supplement Plan N is one of the lowest cost Medicare Supplement Plans, but you will take on a little more risk and out-of-pocket costs.  With a Medigap Plan N, you will have a copay of $20.00 for the doctor visits and $50.00 for an emergency room visit.

Paying a copay is something that most people are used to, and does add some cost if and when you go to the doctor, but there is another facet of the Plan N that you need to be aware of.

Plan N does not cover Medicare Part B excess charges, now this could be a big deal or nothing at all.  If a doctor accepts Medicare but is not assigned by Medicare he can legally charge you 15% over the Medicare-approved amount.  You would then be responsible for that extra cost.

Medicare Supplement Plans Texas

View Plan N Quotes-Enter Your Zip Code:

View Plan N Quotes-Enter Your Zip Code:

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Medicare Assignment

Medicare Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services.

Now the excess charges could end up not being a problem at all, in fact, there are some states that do not allow the excess charges, and sadly South Carolina is not one of them.  As of the last report, approximately 93% of doctors across the United States accept Medicare Assignment and if you do your due diligence when looking for a doctor or having a procedure done, it should not be a problem.

Frequently Asked Questions

Are Medicare Supplement plans being phased out?

On January 1, 2020, CMS issued a rule that no Medicare Supplement plan can cover the Part B deductible. This rule affected only Plan F and Plan C and those policyholders who already had a Plan F or Plan C can continue to renew it.

What does South Carolina Medicare Supplement plan G pay for?

Plan G covers everything that Medicare Part A and B cover at 100% except for the Part B deductible. This means that you won’t pay anything out-of-pocket for covered services and treatments after you pay the deductible. 

Does Medicare Supplement Plan G cover prescription drugs?

Medicare Supplement plans, including Plan G, do not cover the cost of prescription drugs. To get prescription drugs covered, you would need to purchase a Medicare Plan D plan.

What does South Carolina Medicare Supplement Plan G cover?

Medicare Supplement Plan G covers the gaps in coverage for Medicare Part A and B but pays only 80% for emergency medical expenses in foreign countries.

For complete details on Medicare Supplement Plans South Carolina, you can reach us by email on our contact us page or by calling 844-528-8688.  Remember there is never a fee for our services.

View Mediagap Quotes-Enter Your Zip Code:

View Mediagap Quotes-Enter Your Zip Code:

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