The Best South Carolina Medicare Supplement Plans (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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%.