Thousands of Mount Pleasant, SC, residents enroll in Original Medicare or a Medicare Advantage plan each year. There are numerous Supplemental Medicare plans available in Mount Pleasant that can make your medical expenses more affordable. We will explore the various Mount Pleasant, South Carolina Medicare plans and their benefits.
Mount Pleasant South Carolina Medicare plans
Supplemental Medicare plans help cover the costs that Original Medicare doesn’t cover, like hearing, dental, and vision. Medigap and Medicare Advantage plans can also supplement Part A and Part B. The information below is based on a 70-year-old female beneficiary.
Average Medicare Advantage plans in Mount Pleasant, South Carolina
There are multiple Mount Pleasant, South Carolina Medicare Advantage plans that cover benefits not included in Original Medicare. Currently, Mount Pleasant residents have 39 different Medicare Advantage plans, each with unique benefits.
BCBS of S. Carolina offers a three-star Local PPO Medicare Advantage plan with a $0 monthly premium and a $4,900 MOOP (Maximum Out-of-Pocket) cost.
Cigna’s HMO plan has a four-star rating with a $0 monthly premium and a MOOP of $5,900.
Humana offers a four-star regional PPO plan without a premium and a $7,550 MOOP.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| BCBS of S. Carolina | $0 | $4,900 | LOCAL PPO | 3 |
| Cigna | $0 | $5,900 | HMO | 4 |
| Clover Health | $0 | $7,550 | LOCAL PPO | 3 |
| Humana | $0 | $7,550 | REGIONAL PPO | 4 |
| Aetna | $0 | $6,100 | LOCAL PPO | 4 |
Cheapest Medicare Supplement plans in Mount Pleasant, SC
The federal government standardizes Medigap and Medicare Supplement plans to prevent benefits from changing from carrier to carrier or state to state. However, Medigap and Medicare Supplement plan premiums usually differ depending on the plan, carrier, and state.
Medigap Plan N is incredibly popular among Mount Pleasant residents due to its low premiums and extensive coverage. Monthly premiums range from $81.04 to $363.87.
Medigap Plan G is another high-quality plan that doesn’t require beneficiaries to pay a part B deductible. Premiums cost between $102.05 and $385.53.
Medigap Plan F is one of the most inclusive plans available in Mount Pleasant, and premiums range from $124.08 and $411.06.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $84.93 | $410.04 |
| PLAN B | $124.12 | $305.27 |
| PLAN C | $133.28 | $358.75 |
| PLAN D | $123.22 | $248.00 |
| PLAN F | $124.08 | $411.06 |
| PLAN HDF | $37.22 | $78.13 |
| PLAN G | $102.05 | $385.53 |
| PLAN HDG | $34.79 | $75.96 |
| PLAN K | $51.93 | $132.00 |
| PLAN L | $67.58 | $241.50 |
| PLAN M | $80.64 | $270.45 |
| PLAN N | $81.04 | $363.87 |
Affordable Medicare Part D in Mount Pleasant, South Carolina
Unfortunately, Medigap plans don’t include prescription drug costs. Although some Medicare Advantage plans cover medications, they are few and far between. That’s why many Mount Pleasant residents purchase an independent Part D plan that helps pay for prescriptions.
Humana offers a four-star Part D plan with a $22.70 premium and a $480 deductible.
Aetna’s plan has a three-star rating with a $6.90 monthly premium and a $480 deductible, making it the most affordable option.
Clear Spring Health offers a two-star Part D plan with a $16.50 premium and a $480 deductible.
| 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
Special Needs Plans (SNPs) are a subgroup of Medicare Advantage plans designed for people with special needs and chronic disabilities. Although SNPs are exceedingly beneficial to qualified beneficiaries, they are unavailable in every area. If you want to consider a Special Needs Plan, research its availability within your ZIP code.
Molina Healthcare offers an HMO Special Needs Plan without a monthly premium and a $7,550 MOOP for dual-eligible beneficiaries.
First Choice also offers an HMO SNP without premiums. This plan has a $3,400 MOOP for dual-eligible beneficiaries.
Humana provides a local PPO Special Needs Plan for dual-eligible beneficiaries with a $0 monthly premium and a $3,000 MOOP.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,000 | HMO | Dual |
| Molina Healthcare | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| First Choice | $0 | $3,400 | HMO | Dual |
FAQs
What are the types of Medicare Advantage plans in Mount Pleasant, South Carolina?
Mount Pleasant residents can choose between four different Medicare Advantage plan types: HMO, PPO, PFFS, and SNP.
Can You Change Medicare Advantage Plans Anytime in Mount Pleasant, South Carolina?
No. Residents must register during one of the following enrollment periods:
The Annual Enrollment period runs from October 15 to December 7, while Medicare Advantage Open Enrollment begins on January 1 and ends on March 31. Your Initial Enrollment Period starts three months before your 65th birthday and ends three months after.
Who Is Eligible for Medicare in Mount Pleasant, South Carolina?
Residents 65 years old or older with ten or more years of work experience and contributions automatically qualify for Mount Pleasant, South Carolina Medicare. To apply for Medicare, visit the Social Security Administration’s website to apply online.
Do Medigap Premiums Increase with Age in Mount Pleasant?
Medigap premiums fluctuate depending on your cost rating method. Most Medicare Supplement plans use the attained age rating method, meaning they will increase as you age.
What Does Medicare Part B Cover in Mount Pleasant, SC?
Medicare Part B covers multiple medical and preventive services. It helps pay for the following:
- Clinical research
- Ambulance services
- DME (Durable Medical Equipment)
- Mental health services (inpatient, outpatient, and partial hospitalization)
- Qualified prescriptions
How to Sign Up for Supplemental Medicare in Mount Pleasant
Contact us today if you’re having trouble signing up for Supplemental plans for Mount Pleasant, South Carolina Medicare. We take the stress out of supplemental Medicare enrollment by guiding you through the process and helping you find the perfect plan. Give us a call or complete our online rate form and get current rates now.
