Best Medicare Supplement Plans in South Carolina
ACE Insurance Company offers the best and most affordable Medicare Supplement plans in South Carolina. Plan G is priced at $104.67 monthly in Greenville County, the most comprehensive option, whereas Plan N rates are competitive at just $81.17 monthly in Richland County.
Our 2024 ACE Medicare Supplement Review found that ACE offers highly competitive Medicare Supplement prices compared to other companies, with cheaper premiums in many states, including South Carolina. Their Medigap plans are guaranteed renewable, and they provide solid stability with an A++ financial rating.
Additionally, ACE offers a 7% discount for eligible household members, a variety of Medigap plan options, and no network restrictions.
In South Carolina, there are over 300,000 individuals who have opted for a Medicare Supplement plan. Plan G has attracted the enrollment of more than 100,500 Medicare beneficiaries, while Plan N has garnered the enrollment of over 25,000 beneficiaries.
- Average rates: $104.67 per month
- Guaranteed renewable for life
- Over 100,000 people in SC are happy with thier Plan G coverage
- No annual benefit changes
- Average rates: $81.17 per month
- No network restrictions
- More than 25,000 people are enrolled in Plan N in SC
- No annual benefit changes
To find the best Medicare Supplement plan in South Carolina, we only looked at financially viable options from stable companies.
This is because newer and lesser-known companies may not necessarily have lower rates and may unexpectedly increase prices. It is best to stick with well-known and trusted brands to save money and frustration.
Best Plan G Rates: ACE
- Original Medicare coinsurance
- Part A deductible
- Foreign travel
- Part B excess charges
- Emergency care
- Lower out-of-pocket expenses overall
Moreover, no referrals are required, or any networks limit your choice of providers. You can pick any medical provider if they participate in the Original Medicare network.
65: $93.08
70: $94.42
75: $112.17
68: $104.67
70: $106.25
75: $126.17
Best Plan N Rates: ACE
Medigap Plan N from ACE allows you to visit any doctor that accepts Original Medicare. Your benefits are set each year if you choose this plan, and it has a copay of $25 for office visits and a $50 copay for ER visits.
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
- Lower out-of-pocket expenses overall
65: $72.08
70: $75.83
75: $89.92
65: $81.17
70: $85.25
75: $101.25
What's the Best Medicare Supplement Company in South Carolina?
The overall best Medigap provider in South Carolina is ACE.
In South Carolina, ACE offers affordable Medigap plans that are highly rated for quality. However, remember that the best provider for you depends on the specific plan letter you are interested in.
For instance, a company might have lower rates for Plan N but higher prices for Plan G. Each provider has advantages and disadvantages depending on your chosen plan level.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| ACE Insurance Company | 0.18% | $104.67 | $81.17 | Saluda | A+ |
| Allstate Health Solutions | 0.02% | $109.07 | $82.80 | Oconee | A+ |
| Aflac | 0.02% | $120.56 | $90.15 | Union | A+ |
| Mutual of Omaha | 9.66% | $127.74 | $91.78 | Charleston | A+ |
| Cigna Health Group | 6.74% | $125.34 | $89.21 | Lexington | A |
| United Healthcare | 29.11% | $133.29 | $92.71 | Horry | n/a |
| Aetna Health Insurance Company | 9.51% | $127.95 | $87.47 | Spartanburg | A |
In South Carolina, there are ten standardized Medigap plans offering the same coverage, regardless of the insurance company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.
Additionally, most plans don’t have networks, so you can go to any provider that accepts Original Medicare.
To simplify your search for an insurance provider, compare costs and policyholder satisfaction ratings in an apples-to-apples comparison.
How Much Does a Medigap Plan Cost in South Carolina?
Premiums for a South Carolina Medicare Supplement plan can cost as little as $39 or as high as $142, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in South Carolina | ||
| Plan F | $121.83 | York | 48% | ||
| Plan G | $114.00 | Berkeley | 36% | ||
| Plan N | $88.42 | Beaufort | 8% | ||
| High Deductible G | $39.18 | Anderson | 1.9% | ||
| Plan A | $112.18 | Aiken | 0.41% | ||
Is Medigap Plan G the Best Plan in South Carolina?
Medigap Plan G is widely regarded as one of the top-tier plans due to its comprehensive coverage. It effectively fills the gaps left by Medicare Parts A and B, covering nearly all out-of-pocket costs except the Part B deductible. This includes expenses like coinsurance for hospital stays, doctor visits, and emergency healthcare while traveling abroad.
Additionally, Plan G typically offers lower premiums than Plan F, which provides similar benefits but covers the Part B deductible. However, determining whether Plan G is the “best” option largely hinges on individual healthcare needs and budgetary considerations.
It is advisable to thoroughly evaluate all available plan choices and seek guidance from healthcare professionals or insurance advisors before deciding.
Does Medigap Plan G Cover 100% Of Medicare Gaps?
Medigap Plan G is known for its comprehensive coverage, covering nearly all the healthcare costs that Original Medicare doesn’t cover. It covers Part A deductible, Part B excess charges, foreign travel emergency costs, and more. However, it does not cover the Part B deductible.
How to Compare Medigap Plans in South Carolina
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Consider These Factors:
Monthly premium
- In addition to the Part B premium, you must pay a monthly premium. This amount depends on location, age, gender, tobacco use, and plan type. Even if you do not use any benefits, you still need to pay the premium.
Plan options
- All plans cover Part A copays, some Part B copays and coinsurance, hospice care, and three pints of blood. However, some plans may not offer additional benefits. Therefore, assessing which benefits are most important to you before choosing a plan is important.
Insurance provider
- We recommend that you review a provider’s ratings and read feedback from others. Additionally, you can contact the provider to learn about their customer service and how quickly they respond to inquiries.
Extra discounts
- Some companies provide unique benefits to their members, including reduced prices for hearing aids or prescription glasses from specific suppliers.
Final Verdict
We have much experience helping Medicare beneficiaries and know there isn’t one perfect South Carolina Medicare Supplement plan.
Knowing your healthcare needs is essential to find the right Medicare Supplement insurance plan. We can assist you in this process by offering facts and information to help you make an informed decision.
Regarding value and enrollment speed, ACE surpasses all competitors. They also have an outstanding reputation for promptly processing claims.
Choosing the right Medicare plan requires careful thought. With Policy Guide, our professional agents provide expertise and assist in comparing health plans, quotes, and policies. We’ll guide you in making an informed choice that aligns with your needs.
Article Sources: SC Medigap Overview | SC Medigap Shopper’s Guide | Plan Costs | SC AHIP
Frequently Asked Questions
- Is there a Medicare Supplement that covers everything in South Carolina?
- How much is Plan G in South Carolina?
- What is the best Medicare Supplement provider in South Carolina?
