Last Updated on
October 6, 2016
Searching for Medicare Supplement plans in South Carolina? Let PlanPrescriber be your resource for South Carolina Medicare Supplement information and plan comparisons.
As a South Carolina resident enrolled in Original Medicare, Part A and Part B, you might have the option to enroll in a Medicare Supplement (Medigap or MedSupp) plan to cover the out-of-pocket costs that Original Medicare does not cover, such as deductibles, copayments. In most states, including South Carolina, there are up to ten standardized Medigap policy options, each labeled with a letter with all plans of the same letter offering the same benefits.
South Carolina Medicare beneficiaries may be able to choose from 10 standardized Medigap plans denoted by the letters A through N. These standard plans each provide the same set of benefits regardless of which company offers them (although some companies may offer additional innovative benefits), but the out-of-pocket costs associated with each may vary. Plans A through N cover at least a portion of the following set of standard benefits:
Medigap plans K and L require beneficiaries to pay higher out-of-pocket costs, but may have lower monthly premiums. These plans offer somewhat less coverage than the rest of the lettered Medigap plans. For example, Plan K only covers 50% of the cost of the first three pints of blood and Plan L only covers 75% of hospice cost-sharing. After you pay the yearly deductible the plan will pay 100% of Medicare-approved costs for the rest of the year.
Here’s a table listing the 10 standardized Medigap plans that may be available in South Carolina. An X in this table means that the service (or item) is 100% covered, while a percentage indicates what percent of the service/item is covered. A blank cell indicates the item or service is not covered.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional
365 days after Medicare benefits are exhausted
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X***|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility (SNF) care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B ‘excess charges’||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventive care coinsurance||X||X||X||X||X||X||X||X||X||X|
|Out-of-pocket limits apply**|
*A high-deductible version of Medicare Supplement Plan F may be available in your area. The high-deductible Plan F requires you to pay a certain deductible amount before the plan begins coverage. This amount may change from year to year.
** Medicare Supplement Plans K and L pay 100% of covered services in the table above for the remainder of the calendar year, after you reach the out-of-pocket limits (including the Part B deductible).
***Medicare Supplement Plan N covers 100% of the Medicare Part B coinsurance, with the following exceptions: You might be responsible for a copayment of up to $20 on doctor visits and up to $50 on emergency room visits that don’t result in an inpatient admission.
Standard lettered Medicare Supplement plans in South Carolina include the same benefits no matter where you purchase the plan; for example, a Medigap Plan L in Augusta will have the same coverage as a Plan L in Columbia. However, premiums may vary depending on which insurance company is offering the plan and in what location.
Interested in signing up for a Medicare Supplement plan? You may want to decide which Medigap plan type(s) may suit your health and budget needs, and do a customized search (as described below) to find a Medicare Supplement insurance plan in your area.
Comparison shopping is easy when you’re looking for a Medigap policy in South Carolina. Just enter your zip code above for a list of plans available in your area.
For additional information about Medicare insurance in South Carolina, view the following articles:
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.