The Best South Carolina Medicare Supplement Plans (2022)

Medicare supplement plans, often known as Medigap plans, fill the gap between what Medicare pays and what you have to pay out of pocket.

There are ten Medicare supplement plans in South Carolina for you to choose from depending on your desired coverage level. MoneyGeek rated Aetna and Cigna as the best overall plan providers in the state.

It’s important to note that you cannot purchase a Medigap and a Medicare Advantage plan since Medicare Advantage plans in South Carolina would replace your complete Medicare plan, including your Original Medicare.

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Last Updated: 7/1/2022
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On average Medicare Supplements in South Carolina cost $101 per year for 65-year-olds and $159 per year for 75-year-olds.

Of the Medicare Supplement Plans available, Plan G and Plan F are the most popular because of their comprehensive coverages. The average cost of Plan G and Plan F is $97.70 and $186.62 per month, respectively. Plan F, however, is only available to people who were eligible for Medicare prior to 2020.

The next most popular plan is Plan N, which costs $95.20 per month, on average. This plan provides comparable coverage but excludes excess charges.

To determine the best options, MoneyGeek's methodology for comparing Medicare Supplement plans in South Carolina focused on their average premiums and benefits. See how to choose the best medicare supplement plan with this guide on the various types of plans and coverage.

iconribbonBestMedigapSouth Carolina2022

Best Medicare Supplement Plans in South Carolina

Best Medicare Supplement Plan G in South Carolina

Aetna offers the best Medicare Supplement Plan G in South Carolina at an average cost of $110.16 per month.

MoneyGeek only ranked companies that offer online quotes. This means that there may be Medicare Supplement plan providers in South Carolina without online quotes that offer better rates and plans.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $110.16

On average, Aetna's Medigap Plan G costs $110.16 per month in South Carolina, which is less than the state's average of $119.90 per month. Foreign travel emergency care is covered by Aetna's Plan G if it occurs within 60 days of your trip and is not otherwise covered by Medicare.

A high-deductible Plan G option is available from Aetna if you don't mind foregoing reduced out-of-pocket payments in exchange for a cheaper monthly rate of $45.78. You can choose a high-deductible plan with a lower premium, but you'll have to pay more for Medicare-covered costs including coinsurance, copayments and deductibles up to a deductible of $2,490.

MORE ABOUT PLAN G IN SOUTH CAROLINA

Navigate to learn more about Medigap Plan G in South Carolina, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in South Carolina

The cost of Plan G varies according to your age at the time of purchase, current age, discounts and medical underwriting considerations.

In South Carolina, Plan G costs an average of $119.90 per month, although rates vary by provider. For example, Aetna has the cheapest Plan G for 65-year-olds, with a monthly average of $78, while UnitedHealthcare has the most costly plan at $115.30 — meaning, you could save over $37 each month by comparing providers.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $78
  • Blue Cross Blue Shield of South Carolina
    $95
  • Cigna
    $113
  • UnitedHealthcare
    $115

Providers Offering Plan G in South Carolina

Plan G is available in South Carolina from 38 different providers, but not all of them provide online quotes. MoneyGeek compiled the contact information and pricing practices of all South Carolina Medicare Supplement plan providers so you can see which ones may charge extra based on age.

Providers Offering Plan G in South Carolina

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Blue Cross Blue Shield of South Carolina
    803-788-3860
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age

What Does Plan G Cover?

Notwithstanding the plan, all Medicare supplement plans adhere to a set of guidelines and provide precise coverage. Unlike Plans C and F, Part B deductibles are not covered by Plan G despite its comprehensiveness. Extra benefits, such as that of Aetna's Foreign Travel Emergency, may be available depending on the provider.

Required Benefits of Plan G in South Carolina
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in South Carolina

Aetna offers the best Medicare supplement Plan F in South Carolina, with an average cost of $166.25.

MoneyGeek only ranked firms that provide online quotes; therefore, there may be Medicare Supplement plan providers in South Carolina who do not offer online quotes but can provide you with better deals and plans.

mglogo
MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $166.25

In South Carolina, Aetna's Plan F costs $166.25 per month, on average, which is less than the state's average of $186.60. Additional benefits are available, such as Foreign Travel Emergency, which can help pay for emergency care anywhere in the world.

Aetna's high-deductible Plan F offers a reduced monthly rate of $48.03, which may be beneficial to seniors on a budget. However, with this plan, you’ll have to pay for Medicare-related costs such as coinsurance, copayments, and deductibles out of pocket until you exceed a $2,490 deductible.

MORE ABOUT PLAN F IN SOUTH CAROLINA

Navigate to learn more about Medigap Plan F in South Carolina, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in South Carolina

Plan F costs an average of $186.60 per month in South Carolina, though rates vary by provider. For 75-year-olds, Aetna offers the cheapest Plan F, with a monthly average premium of $166.25. In comparison, the most expensive premium, offered by UnitedHealthcare, costs $231.60 per month.

The cost of Plan F varies depending on your age during purchase, current age, discounts and medical underwriting concerns.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $133

Providers Offering Plan F in South Carolina

In South Carolina, Plan F is offered by 40 different insurance companies, although some do not offer online quotes. MoneyGeek collected contact information and pricing methods from all Medicare Supplement plan providers in the state, so you can see which ones may charge more based on age.

Providers Offering Plan F in South Carolina

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of South Carolina
    803-788-3860
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan F Cover?

Plan F policies are standardized — they all must include certain benefits, regardless of the provider. Plan F offers the most comprehensive coverage, including Part B deductibles and 80% of foreign travel exchange up to the plan’s limits. Depending on the provider, additional benefits such as Aetna's Foreign Travel Emergency may also be provided.

Required Benefits of Plan F in South Carolina
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in South Carolina

At an average cost of $80.71, Cigna offers the best Medicare supplement Plan N in South Carolina.

Because MoneyGeek only ranks companies that provide online quotes, you may be able to find different providers with better deals and plans by contacting them directly for more information.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $80.71

Cigna's Plan N is significantly less expensive than the average monthly rate of $118.70 for Plan N in South Carolina. For individuals searching for reduced monthly premiums and predictable out-of-pocket costs, this plan is a decent option.

With Plan N, you are responsible for copayments of up to $20 for doctor’s visits or up to $50 for emergency department visits. You're also responsible for any excess costs, which are extra fees not covered by Medicare.

MORE ABOUT PLAN N IN SOUTH CAROLINA

Navigate to learn more about Medigap Plan N in South Carolina, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in South Carolina

On average, Plan N costs $118.70 per month in South Carolina. The cost of Plan N may vary according to your age at the time of purchase, current age, discounts and medical underwriting considerations.

The cost of your plan can also vary significantly by provider. Cigna offers the cheapest Plan N at $80.70 per month, while Blue Cross Blue Shield of South Carolina is the most expensive at $111.10 per month.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $81
  • Cigna
    $81
  • UnitedHealthcare
    $94
  • Blue Cross Blue Shield of South Carolina
    $111

Providers Offering Plan N in South Carolina

Plan N is provided by 37 providers in South Carolina, though not all of them offer online estimates. MoneyGeek gathered the contact information and pricing style of the different companies in South Carolina to help you determine which company best meets your requirements.

Providers Offering Plan N in South Carolina

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Blue Cross Blue Shield of South Carolina
    803-788-3860
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan N Cover?

Plan N policies are standardized, meaning, they must include certain coverages. In general, Plan B does not cover Part B deductibles or Part B excess charges. Depending on which provider you select, additional coverage may be offered. For example, Cigna's Plan N covers additional benefits such as Healthy Rewards Program, Health Information Line and Foreign Travel Emergency.

Required Benefits of Plan N in South Carolina
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in South Carolina: Other Plan Types

Other Medicare Supplement plans in South Carolina, such as Plans A, B, C, D, K, L, and M, are available, but they aren’t as popular since they provide less comprehensive coverage.

Based on quote availability, MoneyGeek determined that UnitedHealthcare, Blue Cross Blue Shield of South Carolina, Cigna and Aetna are the best providers for plan coverage and affordability.

It’s important to note that if you became newly eligible for Medicare after January 1, 2020, you won’t be able to purchase Plan C in South Carolina or anywhere else.

The Best Medicare Supplement in South Carolina - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $81.43

  • B

    Aetna

    $114.73

  • C

    UnitedHealthcare

    $272.25

  • D

    Blue Cross Blue Shield of South Carolina

    $139.23

  • F

    Aetna

    $166.25

  • G

    Aetna

    $110.16

  • K

    UnitedHealthcare

    $50.63

  • L

    UnitedHealthcare

    $87.23

  • N

    Cigna

    $80.71

How to Find the Best Medicare Supplement Plans in South Carolina

Medicare Supplement plans are complex and plan information may not always be clearly stated. Because of this, it can be difficult to choose the plan that’s best for you. MoneyGeek prepared a comparison chart with all plan types and pricing data to help you compare Medicare supplement plans in South Carolina.

South Carolina Medicare Supplement Plans Comparison Chart

Different levels of coverage are available in Medicare plans. For example, a plan may fully cover or only partially cover coinsurance or deductibles. Some plans are only available based on when you became eligible for Medicare.

Plan F and Plan C are the most comprehensive plans, but they are no longer available to new Medicare enrollees; Plan G and Plan D have taken their place. Using the chart below, you can compare coverages and average pricing for various Medicare Supplement plans.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in South Carolina

The cost of Medicare Supplement Plans can vary significantly by provider. Of the companies evaluated, UnitedHealthcare provides the cheapest Plan A,C, K, and L. Aetna offers the least expensive options for Plan B, F, G. Additionally, Blue Cross Blue Shield of South Carolina has the cheapest rates for Plan D and Cigna has the least expensive rates for Plan N.

Each insurance provider determines how much its Medicare supplement plans will cost. Pricing is usually done in one of three ways:

  • Attained-Age: The majority of companies use this pricing style in South Carolina. In this pricing style, your rate is determined by your present age, which means that as you get older, your premiums will rise.
  • Issue-Age: This is the second most popular pricing style used by companies in the state. Your policy's pricing is determined by your age when you initially purchase it — it will not vary as you get older, but it may increase due to inflation.
  • Community-Rated: Every policyholder in a specific plan type pays the same monthly premium. For Plans D and M, insurers do not employ this pricing method.
Average Cost of Medicare Supplement in South Carolina

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $90
  • Blue Cross Blue Shield of South Carolina
    $99
  • Aetna
    $100
  • Cigna
    $106

FAQs About Medicare Supplement Plans in South Carolina

Sifting through all of the information about Medicare Supplement Plans can be daunting. To guide you, MoneyGeek answered some of the most frequently asked questions concerning Medicare supplement plans in South Carolina.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in South Carolina for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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