Best Medicare Supplement Plans in South Carolina (2026)

The lowest Medicare Supplement premiums in South Carolina range from $74 to $115 per month for 65-year-olds, depending on the plan and insurer. We analyzed rates across 10 standardized plan types to find insurers offering strong value without sacrificing coverage. 

Farm Bureau delivers the strongest combination of price and quality across eight popular plans. You'll pay $74 monthly for Plan N, $80 for Plan M, $83 for Plan A, and $96 for Plan G. Farm Bureau also offers Plan D at $97, Plan B at $94, Plan C at $105, and Plan F at $108 per month. 

Transamerica provides the best rates for Plans K and L, giving you additional budget-conscious options. Choosing these value-focused insurers saves you $18 to $173 monthly compared to South Carolina's average rates.

*These rates reflect Medigap premiums for 65-year-olds.

Your needs may differ from these common choices. Use the filterable table below to find your best South Carolina Medicare Supplement option.

South Carolina's Medicare Supplement insurance premiums for 65-year-olds range from $95 to $281 per month depending on the plan. Plan G, the state's most popular choice, averages $229 monthly and covers most Medicare gaps without large out-of-pocket costs. 

Plan K costs the least at $77 per month, while Plan F reaches $281. Plan N provides solid coverage for $186 monthly. Other affordable options include Plan M at $112, Plan L at $147 and Plan D at $167 each month.

Federal law standardizes Medicare Supplement plans across South Carolina. Plan G provides the same benefits whether you buy it from Aetna or Mutual of Omaha, so price becomes the main difference between carriers. Each lettered plan covers certain benefits, letting you weigh monthly premiums against what you'll pay when you need care.

Learn More: What Does Medicare Cover and Not Cover?

Once you've picked a plan type, look at different Medicare Supplement carriers in South Carolina. Consider these factors as you choose an insurer.

South Carolina residents have several free resources for Medicare help and guidance.

• I-CARE (Insurance Counseling Assistance and Referrals for Elders): South Carolina's State Health Insurance Assistance Program (SHIP) connects you with certified counselors who offer free, unbiased Medicare guidance. Counselors help you compare plans, understand eligibility and enrollment, and answer Medicare Supplement coverage questions. Call 1-800-868-9095 for telephone counseling.
• South Carolina Department of Insurance: The state's insurance regulator handles consumer complaints and investigates disputes between consumers and insurers. The Office of Consumer Services resolves billing problems and policy issues. Call (803) 737-6180 or email consumers@doi.sc.gov.
• South Carolina Department on Aging: Oversees programs for older South Carolina residents, including Medicare counseling through local Area Agencies on Aging. The department funds legal assistance for seniors, long-term care ombudsman services, and benefit specialists who give confidential advice about Medicare and other programs. Call 1-800-868-9095.
• Medicare.gov: The official Medicare website offers tools for comparing plans in your ZIP code, including Medicare Supplement policies. Search for coverage options using the plan finder tool at Medicare.gov.

Find answers to common questions about Medigap coverage for South Carolina residents below.

MoneyGeek collected data for all Medicare plans in South Carolina for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in South Carolina based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.