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South Carolina Medicare Supplement Insurance

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Medicare Supplement Insurance In South Carolina

Medicare Insurance Plans in South CarolinaWith our independent agency, you can compare South Carolina Medicare supplement insurance plans direct from several carriers.

We are licensed with numerous insurance companies and can help you compare the best rates available in your zip code.

Our carriers include: Aetna, Anthem, Cigna, Central States Indemnity, Combined, Equitable, Humana, IAC, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Sentinel Life, Standard Life & Accident, United American, United Healthcare (AARP) and many others.

Most Popular Medicare Supplement Insurance Plans

The most popular Medicare supplement insurance policies in South Carolina are Plans F, G, N and High Deductible Plan F. Plan G tends to offer some of the best overall value – so we see that one purchase a lot at our agency.

Plan F fills in all of the gaps in Original Medicare Parts A & B while Plans G covers everything except for the $185 Part B deductible. Plan N is unique in that it has office copays, but it can be a good choice when weighing benefits and monthly premiums.

Another popular policy with our clients is High Deductible Plan F. It provides coverage after the one-time yearly deductible has been met. The deductible for 2019 is $2,300. HD Plan F is one of the least expensive Medicare supplements available.

Before purchasing a plan however, you’ll want to know what each plan covers and doesn’t cover. You’ll also want to know if supplement offers more value based on benefits covered versus monthly premiums. Your monthly budget may also be a factor.  It can be difficult to change once you are outside of you’re one-time individual open enrollment window, so it’s best to find a suitable policy right from the start.

Open Enrollment and The Annual Election Period

You usually get only one open enrollment window. That can be when your turn 65 and age into Medicare or when you first enroll in Medicare Part B for the first time. Enrollment into Medicare Part B can happen after age 65 if you’re leaving a group employer plan. It can also happen when you are under age 65 if you’re eligible for Medicare due to disability.

The Annual Election Period (AEP) that occurs each year between October 15th and December 7th is not an open enrollment window. Yes, there are changes that can be made during this window, but it does not usually apply to Medicare supplements. In other words, once you choose your Medigap coverage, medical underwriting will likely be required if you want to switch later.

This is why we help our clients shop carefully during their 6 month open enrollment window. Some insurance companies have better reputations than others when it comes to rate increases & renewal history. It’s important to try and find a reliable company at onset – not just the cheapest.

Choosing A Medigap Policy With Low Renewal Rates

There are several carriers offering very competitive rates in South Carolina. Your best rates will depend on where you live, age, gender, the plan your prefer and whether you qualify for a household or spousal discount.

Some of the better rates we see are with Equitable, Central States Indemnity, Combined, Mutual of Omaha and a few others. But you are shopping for the long haul – so it’s important to find a carrier with a history of stable rate increases. We can help.

Medicare Insurance For Those Under Age 65

If you are under age 65 and eligible for Medicare due to disability, you have options in South Carolina. Plans A, B, C, F and High Deductible F are offered in most areas. Insurance companies are allowed to charge you higher rates if you are under age 65 however.

Another (and sometimes less expensive option) is a Medicare Advantage plan. These policies privately cover the standard Medicare benefits and help to close additional gaps. Some will have a monthly fee while others will be available for no premiums. Most Advantage plans will also include prescription Part D drug coverage as well.

Our Independent Medicare Supplement Insurance Agency

We work with supplemental policies every day. We are very knowledgeable about plan benefits, prices, rate history and the nuances of this type of insurance. We also work extensively with prescription Part D drug and Medicare Advantage coverage.

We can help you compare rates side by side and find the supplement that best fits your needs and budget in the short and long run. Contact us today for more information.