Compare the Best Medigap Plans in South Carolina for 2025
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South Carolina residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in South Carolina. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.
This page highlights the top South Carolina Medicare Supplement and insurance companies for 2025.
Top 3 Best Medigap Plans in South Carolina for Full Coverage Options
Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in South Carolina. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.
Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in South Carolina.
Medigap Plan F in South Carolina
Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.
Required Benefits of Plan F in South Carolina
Medigap Plan G in South Carolina
For those looking for extensive coverage without the higher premiums of Plan F, Medicare Supplement Plan G is an excellent coverage option. The only significant gap is the Medicare Part B deductible, which many find acceptable in exchange for lower monthly costs. Discover the pros and cons of choosing Plan G.
Required Benefits of Plan G in South Carolina
Medigap Plan N in South Carolina
Plan N is a top choice for those who want comprehensive coverage (excluding excess charges) without the higher premiums of other plans. Though it involves small copayments for office visits and emergency care, it offers significant savings on monthly premiums. Discover the benefits and drawbacks of Plan N.
Required Benefits of Plan N in South Carolina
Average Costs for Medigap Plans in South Carolina
Plan costs in South Carolina are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in South Carolina:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Factors That Impact Medigap Plan Costs in South Carolina
The price of Medicare Supplements in South Carolina can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in South Carolina can impact your premium due to regional cost differences.
Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.
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Compare All Medicare Supplement Plans in South Carolina
If you want to see how all Medicare Supplement Insurance plans sold in South Carolina stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in South Carolina and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in South Carolina
Enrolling in a Medigap plan in South Carolina requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Follow these simple steps to get Medicare Supplement coverage in South Carolina:
- Review Your Options: Compare the Medigap plans offered in South Carolina and select the one that best meets your needs.
- Check Enrollment Dates: Verify that you're in your Initial Enrollment Period, Open Enrollment Period, or qualify for a Special Enrollment Period.
- Apply for Coverage: Contact the insurance company or broker of your choice to apply for the Medigap plan you've selected.
- Confirm Your Enrollment: After your application is accepted, ensure your enrollment is finalized and review the terms of your coverage.
Want more information on how to enroll in Medigap? Check out our comprehensive Medigap Enrollment Guide.
Common Questions About Medigap Plans in South Carolina
How does Medigap differ from Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans after enrolling?
Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.
Do Medigap plans cover prescriptions?
No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.
What costs can I expect with Medigap plans?
In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023