259,789 beneficiaries receive Part A and Part B Charleston, South Carolina Medicare. Nationwide, there are 57,316,561 beneficiaries enrolled in Original Medicare.

Charleston South Carolina Supplemental Medicare Plans

We’ll be exploring different Supplemental Medicare Plans that can cover the gaps left behind by Original Medicare in South Carolina. We use data for quotes based on female seniors that are 65 years old.

Cheapest Medicare Advantage Plans in Charleston, SC

54.17 % of females receive Medicare coverage of some kind. Currently, there exist 37 Medicare Advantage plans in Charleston, SC. We’ll explore three popular plans.

UnitedHealthcare is a popular plan with a MOOP (maximum out-of-pocket) cost of $4,500. This plan is an HMO-POS, combining both an HMO and a point-of-service (POS) option, and it has a four-star rating.

Humana is another option seniors choose, with a MOOP of $7,550. This plan is a Local PPO and has a high four-star rating.

BCBS of S. Carolina is another Local PPO that residents can use. It has a MOOP of $4,900.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $6,700 HMO-POS 3
UnitedHealthcare $0 $4,500 HMO-POS 4
Humana $0 $7,550 LOCAL PPO 4
Clover Health $0 $7,550 LOCAL PPO 3
BCBS of S. Carolina $0 $4,900 LOCAL PPO 3

Affordable Medicare Supplement Plans in Charleston, South Carolina

Medigap and Medicare Supplement plans in South Carolina cover healthcare costs not covered by Original Medicare. Since the federal government standardizes these plans, their benefits don’t change from state to state or with different carriers. However, their monthly premiums can vary.

PLAN G is a popular supplement plan for Charleston, South Carolina Medicare. This plan has a premium range of $100.12 to $385.53 per month. While it has a high premium, there’s also a far lower deductible.

PLAN HDG has a premium range of $29.00 to $68.17. This plan carries all the same benefits as PLAN G but with a much higher deductible, so its monthly premium is much lower.

There’s also PLAN F which is another popular choice. With this plan, you have a monthly premium range of $114.09 to $411.06. However, like PLAN G, you can choose a plan with a much higher deductible—PLAN HDF.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $77.14 $335.60
PLAN B $103.50 $298.00
PLAN C $115.50 $358.75
PLAN D $106.75 $195.00
PLAN F $114.09 $411.06
PLAN HDF $29.00 $69.89
PLAN G $100.12 $385.53
PLAN HDG $29.00 $68.17
PLAN K $47.10 $118.75
PLAN L $63.67 $206.50
PLAN M $74.04 $218.10
PLAN N $74.89 $363.87

Average Medicare Part D in Charleston, SC

Only some South Carolina Medicare Advantage plans cover prescriptions, and no Medigap plans cover medications. As a result, many patients also elect to enroll in stand-alone Part D plans.

Aetna is a good choice when you want to pay low copays. This plan also has a low premium of $6.90 and a three-star rating.

Many Charleston residents also choose Humana due to its wide availability and the ability to purchase cheap generic prescriptions. However, its monthly premium is $22.70.

Wellcare also allows you to purchase cheap generic prescriptions. This three-star rating plan has a monthly premium of $13.00.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.90 $480 3
Wellcare $13.00 $480 3
Clear Spring Health $16.50 $480 2
Humana $22.70 $480 4
Elixir $25.30 $480 3

Medicare Special Needs Plans

Some patients may qualify for extra help by exploring Special Needs Plans (SNPs). SNPs work to provide additional benefits to patients with special needs or chronic disabilities. They are a subset of Medicare Advantage plans.

Humana continues to be a popular choice, and as a Local PPO SNP, it provides a MOOP of $3,450 and dual eligibility.

Another Local PPO is UnitedHealthcare. It has a MOOP of $7,550 and offers dental and vision care benefits.

The last SNP we’ll explore is Wellcare. This plan is an HMO, meaning you’ll need to visit a physician within its network. It has a low MOOP of $3,000.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 LOCAL PPO Dual
Molina Healthcare $0 $7,550 HMO Dual
Wellcare $0 $3,000 HMO Dual
First Choice $0 $3,400 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual

FAQs

How Do I Sign Up for Medicare in Charleston, SC?

There are some requirements before signing up for Charleston, South Carolina Medicare. First, you must be 65 years or older or have specific disabilities or conditions to be eligible. The manual enrollment period is three months before your 65th birthday and ends three months after.

When Can I Apply for Medigap in Charleston, SC?

Medigap is available to those enrolled in Part A and Part B Medicare. You can apply for a Medigap plan at any time of year, as long as you have Original Medicare.

Can You Switch from Medicare Advantage to Medigap in Charleston, SC?

Yes, you can switch from Medicare Advantage to Medigap or vice versa. However, there’s a particular enrollment period that you need to wait for before doing so. You can switch back to Original Medicare by visiting your local Social Security office or calling your insurance company.

Do Medigap Plans Cover Drugs in Charleston, South Carolina?

Unfortunately, no Medigap plans cover prescription drugs in Charleston, SC. Additionally, only some Medicare Advantage plans cover prescriptions. To rectify this issue, many patients enroll in a stand-alone Part D plan which can dramatically reduce the cost of their medications.

Does Everyone Have to Pay for Medicare Part A in Charleston, South Carolina?

Many people don’t have to pay for Medicare Part A in Charleston premiums. To qualify, you must have retirement benefits from your Social Security or the Railroad Retirement Board or be eligible for such benefits. You can still purchase a plan if you don’t qualify for premium-free Part A coverage.

How to Sign Up for Supplemental Medicare in Charleston

There are many Supplemental Medicare plans available in Charleston, South Carolina. However, finding the right one for you, your budget, and your health needs can be frustrating. Our team is here to help to alleviate some of this stress.

We work with all major carriers and will help you find the right plan for your needs and budget. Our service is free, and we strive to bring the best service possible. Give us a call or complete our form to get rates.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.