Best Medicare Supplement Plans in South Carolina for 2019

One of the joys of turning 65 is enrolling in Original Medicare and purchasing the best Medicare Supplement plan in South Carolina for your specific needs. Now that you are 65 or are going to turn 65 in the near future, you need to take some time to find the best supplemental plans for you. Although Medicare Supplement plans in South Carolina for 2019 offer great benefits for senior citizens, they don’t cover everything.

The Best Medicare Supplement Plans in South Carolina for 2019: Overview

Original Medicare will cover about 80 percent of the bills for covered services. That means that you will need to pay the remaining 20 percent. Although a majority of the bills will be paid, it can be difficult to pay your portion of the bills. Your portion is what is known as the “gap” between what Original Medicare pays and what you need to pay, and a health plan that pays some of these out-of-pocket costs is called a “Medigap” plan.

Medigap policies for 2019 can cover several Medicare-approved services, and they include the following:

  • Home health care
  • Skilled Nursing facility care
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Foreign travel
  • Copays
  • Coinsurances for Original Medicare
  • Medicare Part B Excess charges

It is important to remember that South Carolina Medicare Supplement plans are not the same as Medicare Advantage plans.  Medicare Advantage plans are considered replacement plans to your Original Medicare coverage.  These plans handle medical expenses differently and often have network restrictions associated with their plan structures.  If you’re confused about the various plan options available to you in 2019 it might benefit you to speak with one of our licensed insurance agents.

Best Medicare Supplement Plans in South Carolina: Enrollment Statistics

The top five counties in South Carolina are the following:

  • Greenville County with 498,766 people
  • Richland County with 409,549 people
  • Charleston County with 396,484 people
  • Horry County with 322,342 people
  • Spartanburg County with 301,463 people

In 2015, America’s Health Insurance Plans found that 233,379 South Carolina residents purchased a Medigap policy. 2019 Medicare Supplement statistics were not available at the time this article was written.

In 2017, the Centers for Medicare and Medicaid Services, CMS, learned that more than 733,000 South Carolina residents were enrolled in Medicare Part A and/or Medicare Part B.

How Many Medicare Supplement Plans in South Carolina Are Available for 2019?

You can purchase the best Medigap plans in South Carolina from a Medicare insurance company. These companies will be able to offer you as many as 10 Medicare Supplement insurance plans. A Medicare insurance company will not necessarily be able to offer every single Medigap plan for 2019, but you will have the option of seeking the plan that you want from another insurance company if necessary.

The best thing to do in this situation is to compare the rates that each insurance company gives you so that you can find the company that has the most coverage for the lowest rates. For example, one insurance company may offer you the least number of benefits, but it may also wish to charge you the highest rates. On the same list, you might find a company that is offering you many more benefits, and the rates for this company could be much lower. The trick is to compare these rates to find out which company has the best deal.

When you search for the best Medicare Supplement plan in South Carolina for 2019, you will look for prices for the following:

  • Premiums
  • Coinsurance
  • Copayments
  • Deductibles

Medicare Supplement insurance plans in South Carolina can only apply to one person, so one plan cannot have two Medicare beneficiaries. Therefore, you and your husband will need to apply for your supplemental plans separately. This will allow you both to choose the best Medicare Supplement plan for each of your individual needs in 2019. Each of you will have your own monthly premium, so the insurance company will determine what it will be based only on one person’s medical history.

Top Companies offering the Best Medicare Supplement Plans in South Carolina for 2019

Here are a few sample Medicare Supplement rates in South Carolina for a 65-year-old Charleston-based female who is a non-tobacco user considering a high deductible F plan from one of these top Medigap providers:

Medicare Supplement Plans in South Carolina for 2019: When Can I Enroll?

Anyone turning 65 may select the best Medicare Supplement plan in South Carolina. You must be enrolled in Medicare Part A and Part B and then you can apply with the Medicare insurance company that has the plan you wish to purchase. The month that you turn 65 is the first month that you can apply for Medigap plans in South Carolina. You will have six more months after that time to purchase a plan in what is called the “Medigap open enrollment period.”

The best thing to do is purchase the plan early because those who fail to enroll during the initial enrollment period may lose their chances to purchase Medigap plans in South Carolina.

If you do not enroll in the best Medicare Supplement plan in South Carolina, you may be able to purchase one later if you can claim one of the following:

  • You have a guaranteed issue right.
  • You have a pre-existing condition.
  • You are replacing your “creditable coverage,” and you have a pre-existing condition.
  • You have another insurance policy.

You don’t have to take the risk that you will be turned down for a Medigap plan for 2019 because a Medicare insurance company cannot refuse to sell you a policy if you apply during the Medigap open enrollment period. During this time, it doesn’t matter if you are experiencing health problems. The insurance company must not determine whether or not you will be offered a health plan based on your current medical condition. You will even be charged the same rates that the company charges clients without health problems.

Your Original Medicare benefits do not offer coverage for Prescription drugs. A beneficiary of the Federal Medicare Program may purchase one of these Medicare Part D drug plans separately. Unfortunately, even the best Medicare Supplement insurance plans in South Carolina cannot include your prescription drug plan.  You will need to purchase a stand-alone plan.

Some of the Medicare Supplement insurance plans in South Carolina that you may choose are the following:

South Carolina Medicare Resources

People with Medicare in South Carolina can receive help from State Health Insurance Assistance Programs, and you can visit the website by clicking the link. Also, CMS and Medicare.gov have a lot of helpful resources for Medicare beneficiaries.