What Do You Need to Know About Medicare Supplement Insurance Plans in South Carolina?

For residents of South Carolina who are about to celebrate their 65th birthday, it’s time to look into Medicare options, including Medicare Supplement Insurance plans. Also known as Medigap, Medicare Supplement Insurance plans can fill in some of the gaps that Medicare Parts A and B do not cover, such as coinsurance, deductibles and copayments. Medicare Supplement Insurance plans are available from private insurance companies throughout South Carolina.

In 2023, South Carolina residents have many Medigap or Medicare Supplement plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

South Carolina residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plans they should consider.

Compare Medicare plans and request a free quote today!

Get a Free Quote

No obligation to enroll

Most Popular Medicare Supplement Insurance Plans in South Carolina

The statistics below illustrate the most popular Medigap Supplement plans chosen by South Carolina residents. Insurance companies that sell government-approved Medicare Supplement Insurance plans offer the same basic benefits, but those plans may come at different prices based on your place of residence and insurance carrier. Each insurer may not offer each of the available Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 280,448 South Carolina beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of South Carolina enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	1,161	1,420	5,171	9,546	200	133,027	100,208	92	495	3,847	894	568	4	23,435

Source: AHIP (2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that a South Carolina Medicare Supplement Insurance plan does not include prescription drug coverage. However, you can buy an additional Medicare Prescription Drug plan or consider a South Carolina Medicare Advantage plan.

To learn more about your Medicare Supplement Insurance plan options in South Carolina, you can work with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in South Carolina.

South Carolina residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage Insurance plan at the same time. A Medigap plan cannot be used for payment of any expenses for a Medicare Advantage plan.

South Carolina Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in South Carolina begins the first day of the month you turn 65 years old. In some special cases, enrollment could happen prior to this time. You also must be enrolled in both Medicare Parts A and B in order to get a Medicare Supplement Insurance plan.

South Carolina residents have a six-month window surrounding their birth month to buy a Medicare Supplement Insurance plan. South Carolina residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. At the age of 64 and 6 months, you can begin to make important Medicare choices, so you will want to enroll as soon as you’re eligible. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

Is a South Carolina Medicare Supplement Insurance Plan Right for You?

SelectQuote is an independent third-party company that specializes in helping consumers understand their Medicare options. Let us help you find the right Medicare Supplement Insurance plan. We’ll make sure you receive all of the benefits available to you and keep you informed about annual plan changes. As a trusted Medicare specialist, SelectQuote will help you find a South Carolina Medicare Supplement Insurance plan to meet your needs and budget.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.