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 Supplemental 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 to choose from, each with its own 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 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 sports premiums between $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 not available 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?

Currently, Mount Pleasant residents can choose between four different Medicare Advantage plan types including 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 Open Enrollment period runs from October 15th to December 7th, while Medicare Advantage Open Enrollment begins January 1st and ends March 31st. 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.

Do Medigap Premiums Increase with Age in Mount Pleasant?

Medigap premiums fluctuate depending on your cost rating method. If you purchase a No-Age Rated or Community Rated plan, your premiums won’t change as you age. However, if you buy an Issue-Age Rated or Attained-Age Rated plan, your age will determine the premium rates.

Issue-Age Rated policies cost more the older you are but won’t increase over time. Attained-Age Rated premiums do increase as you get older.

Always research each plan before committing to a specific plan type.

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

If you’re having trouble signing up for Supplemental plans for Mount Pleasant, South Carolina Medicare, contact us today. 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.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.