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 point-of-service (POS) option. It has a four-star rating.
Humana is another option seniors choose, which has 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 choose to use. It has a MOOP of $4,900.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|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|
Average Medicare Part D in Charleston, SC
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.
|Clear Spring Health||$16.50||$480||2|
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 go to a physician within its network. It has a low MOOP of $3,000.
How Do I Sign Up for Medicare in Charleston, SC?
There are some requirements before you can sign up for Charleston, South Carolina Medicare. First, you need to 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 during 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 also 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 choose to 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 need to have retirement benefits from your Social Security or the Railroad Retirement Board or be eligible for such benefits. If you don’t qualify for premium-free Part A coverage, you can still purchase a plan.
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. To alleviate some of this stress, our team is here to help.
We work with all major carriers and will help you find the right plan for your needs and budget. Our service is entirely free, and we strive to bring the best service we can. Give us a call or complete our form to get rates.