Many seniors are receiving Rock Hill, South Carolina Medicare. In South Carolina, 24% of seniors have a Medicare Advantage plan, and 22% of seniors have a Supplemental Medigap plan.
Rock Hill South Carolina Supplemental Medicare Plans
Although Original Medicare covers a large portion of your medical costs, you’re still responsible for paying 20%. Rock Hill residents can use supplemental Medicare plans to fill this gap. We’ll be exploring some data based on an average 70-year-old male beneficiary.
Affordable Medicare Advantage Plans in Rock Hill, South Carolina
Eight thousand six hundred sixty-six senior citizens currently call Rock Hill their home. Of health conditions, high blood pressure is the most severe, as 34% of seniors deal with this condition. There is 37 Medicare Advantage (MA) plans available in Rock Hill.
Wellcare is the first option residents can choose. This Local PPO plan has a MOOP (maximum out-of-pocket) cost of $6,700.
Many residents also choose Humana due to its wide availability and comprehensive coverage. Like Wellcare, it’s a Local PPO, but it has a slightly lower MOOP of $6,100.
Finally, there’s Cigna which is an HMO. The main difference between an HMO and a PPO is that an HMO restricts a patient from finding a physician within their network (or to pay out-of-pocket expenses). Its MOOP is $5,900.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Clear Spring Health||$0||$7,550||LOCAL PPO||N/A|
Average Medicare Supplement Plans in Rock Hill, SC
There are some key differences between Medicare Advantage plans and Medigap Plans. Medicare Advantage plans are a complete replacement for Original Medicare, while Medigap fills in the gaps. All Medigap plans are standardized, meaning their benefits don’t change, but their premiums do.
PLAN F is a top-rated plan among Medicare-enrolled seniors. This plan sees a premium range of $127.95 to $434.66. While its monthly premium is higher than other plans, people consider it more comprehensive coverage.
PLAN HDF is another popular choice, with a far lower premium range of $38.39 to $83.59. While it has many benefits as PLAN F, it usually carries a higher deductible.
PLAN G also sees a premium range of $106.58 to $407.66. This plan is ideal if you want to pay a small deductible annually, and this plan has full coverage for gaps in Original Medicare.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Cheapest Medicare Part D in Rock Hill, South Carolina
Using Part D plans to supplement your Rock Hill, South Carolina Medicare is sometimes necessary to cover their prescription drugs. Only some Medicare Advantage plans cover prescriptions, and no Medigap plans cover medications.
The first Part D plan we’ll be covering is Aetna. Aetna has a monthly premium of $6.90; this plan also carries a small copay amount and a three-star rating.
Humana is another popular plan to supplement your Rock Hill, South Carolina Medicare. This plan carries a four-star rating.
Clear Spring Health has a monthly premium of $16.50. However, like the rest of the plans on this list, Clear Spring Health has a deductible of $480.
|Clear Spring Health||$16.50||$480||2|
Medicare Special Needs Plans
A subset of Medicare Advantage plans, Special Needs Plans (SNPs), is available to patients with particular special needs. While these plans aren’t available in every area, they can significantly help patients with special needs or chronic disabilities.
Humana has SNP plans available with dual eligibility. Dual eligibility means that people with both Medicaid and Medicare can receive this type of care. The plan has a low MOOP of $3,450 and a $0 monthly premium.
UnitedHealthcare’s Local PPO is also available to dual-eligible beneficiaries and has a MOOP of $7,550.
You can also choose Wellcare, which is an HMO. This plan has an impressively low MOOP of $3,000 and dual eligibility.
|Clear Spring Health||$0||$3,450||HMO||Dual|
How to Apply for Medicare in Rock Hill, South Carolina?
There are different ways to apply for Medicare in Rock Hill, SC. You must be 65 years old or older, have permanent kidney failure (ESRD), total disability, or Lou Gehrig’s disease (ALS). If you receive Social Security benefits, the government will likely automatically enroll you when you turn 65.
What Are the Four Types of Medicare in Rock Hill?
There are four types of Medicare in Rock Hill, and the first two—Part A and Part B—deal with inpatient and outpatient medical coverage. Part C is an alternative to obtaining Medicare benefits, and Part D can help cover prescriptions.
Is Medicare Part A and Part B free in Rock Hill, South Carolina?
Part A is free for most people who enroll. Part B, however, will typically have a monthly premium.
Does Medigap Cover Drugs in Rock Hill, South Carolina?
Medigap plans don’t cover prescription drugs in Rock Hill, SC. Patients must enroll in a stand-alone Part D plan or a Medicare Advantage Plan with prescription drug coverage (MAPD) to cover prescriptions.
Can You Switch from Medicare Advantage to Medigap in Rock Hill, SC?
Yes, it’s possible to switch from a Medicare Advantage plan to a Medigap plan, and you can also change back to Original Medicare.
How to Sign Up for Supplemental Medicare in Rock Hill
Many supplemental Medicare plans are available to help cover costs not covered by Original Medicare. However, it’s best to have a team on your side to help you explore your options.
We work with all carriers, provide free services, and will pair you with the right plan for your insurance and budget needs. Call us today or fill out our form to get rates for supplementing your Rock Hill, South Carolina Medicare!