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South Carolina
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Unified Life

Unified Life Medicare Supplement Plans, South Carolina

by David Bynon, last updated October 1, 2023

On this page we help consumers learn more about Medicare Supplements sold by Unified Life in the state of South Carolina. Call 1-855-728-0510 (TTY 711) for plan assistance.
Unified Life Medigap Plans in South Carolina

This page contains editorial content that is not endorsed or approved by Unified Life Insurance Company[2]. This is not a solicitation of insurance.


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MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:B++
A.M. Best Outlook:Stable
S&P Rating:
Established:2015
NAIC Number:11121
Policy Fee:None

What Medigap Policies Does Unified Life Sell in South Carolina?

Unified Life Insurance Company offers 5 different Medigap plans in South Carolina . Each plan covers the gaps in Original Medicare differently (see comparison chart or check out our review). Here's what Unified Life offers:

Plans Offered by Unified Life

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$93.34Attained AgeGet a Quote
Medigap Plan F$115.92Attained AgeGet a Quote
Medigap Plan F (HD)$36.22Attained AgeGet a Quote
Medigap Plan G$92.44Attained AgeGet a Quote
Medigap Plan N$77.67Attained AgeGet a Quote

Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

The following table shows what each Unified Life Medigap plan covers:

Medigap Plan Benefits

BenefitsAFGF (HD)N
Part A DeductibleNoYesYesYesYes
Part A CoinsuranceYesYesYesYesYes
SNF CoinsuranceNoYesYesYesYes
Part B DeductibleNoYesNoYesNo
Part B CoinsuranceYesYesYesYesYes
Excess ChargesNoYesYesYesNo
Foriegn TravelNo80%80%80%80%
Out-of-Pocket LimitsNoNoNoNoNo

REVIEW: Unified Life Medicare Supplements in South Carolina

Unified Life scored 3.5 out of 5.0 based on our scoring method. Although they have less than 10 years experience servicing Medicare Supplements, Unified Life has a top 10 Plan F premium and a strong financial rating from A.M. Best. We also appreciate that they don't charge a policy fee. They might be relatively new in the business, but they are financially strong and have good rates, so we feel they are one of the better options for South Carolina seniors. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Highly competitive Plan F premium.
  • Good financial strength.
  • No charge for writing the policy.

Cons

  • Fewer than 5 years in the Medicare Supplements business.
  • Does not offer Medicare SELECT plans.
  • Does not offer the 5 most popular plans.

About This Review

We reviewed Unified Life's Medicare supplement plan offering in South Carolina versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

Unified Life Medigap Plan F vs. Competition

Medicare Supplement F is the most popular plan sold in South Carolina. The following table shows how Unified Life stacks up with the competition.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Unified Life$115.92None
☆☆☆☆☆
Members Health$108.00None
☆☆☆☆☆
Philadelphia American$114.91$20.00
☆☆☆☆☆
Bankers Fidelity Assurance$116.45None
☆☆☆☆☆
S.USA Life Insurance$117.50$25.00
☆☆☆☆☆
Everest$118.04$25.00
☆☆☆☆☆
MassMutual$118.19None
☆☆☆☆☆
Thrivent$118.29$25.00
☆☆☆☆☆
Liberty Bankers Life$118.46$25.00
☆☆☆☆☆
Cigna$118.62None
☆☆☆☆☆
Equitable National$118.89$20.00
☆☆☆☆☆

Contact Unified Life Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

Sales:800-884-7268
Website:https://unifiedlife.com/medicare-supplement/
Address:P.O. Box 25326, Overland Park, KS 66225

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

Unified Life Medigap plans are available to all South Carolina Medicare beneficiaries, ages 65 and older, who have enrolled in Medicare Part A and Medicare Part B.

If you are within your first six months of Medicare enrollment, you have guaranteed issue rights and cannot be turned down. Unified Life is required to issue the Medicare Supplement policy of your choice. So long as you make no material misrepresentations and pay your premiums, your policy cannot be canceled.

Before choosing an insurance company, be sure to get the Unified Life Medicare Supplement rate increase history in South Carolina. This is the best way to predict future rate increases.

Availability

Unified Life services Medicare supplement insurance in Greenville, Anderson, Mauldin, Columbia, Charleston, Mount Pleasant, Rock Hill, Summerville, Sumter, Hilton Head, and most other South Carolina cities.

Related Medicare Supplement Insurance Topics

  • Do I really Need Supplemental Insurance with Medicare??
  • Is Medicare Plan G Better Than Plan F?
  • What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare Unified Life Medigap plans in South Carolina with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

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[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

Compensation does not influence our content, which is based on independent research. MedicareWire’s plan page content are reviewed annually for CMS compliance by licensed compliance officers from UnitedHealthcare, Humana, and Aetna. Read our full sales agent disclosure and how we make money.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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