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.
Medicare plans in Rock Hill, South Carolina
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.
Medicare Advantage plans
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 are 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 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.
The average cost of Medicare Advantage plans in Rock Hill, South Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $6,700 | LOCAL PPO | 4 |
| Humana | $0 | $6,100 | LOCAL PPO | 4 |
| Clear Spring Health | $0 | $7,550 | LOCAL PPO | N/A |
| Cigna | $0 | $5,900 | HMO | 4 |
| UnitedHealthcare | $0 | $6,700 | REGIONAL PPO | 4 |
Medicare Supplement plans
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.
The average cost of Medicare Supplement plans in Rock Hill, South Carolina
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $96.15 | $455.48 |
| PLAN B | $128.50 | $339.09 |
| PLAN C | $139.45 | $404.87 |
| PLAN D | $128.67 | $258.00 |
| PLAN F | $127.95 | $434.66 |
| PLAN HDF | $38.39 | $83.59 |
| PLAN G | $106.58 | $407.66 |
| PLAN HDG | $35.66 | $79.75 |
| PLAN K | $57.00 | $137.00 |
| PLAN L | $71.75 | $268.22 |
| PLAN M | $84.37 | $300.40 |
| PLAN N | $83.57 | $384.80 |
Medicare Part D prescription drug plans
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.
The average cost of Medicare Part D plans in Rock Hill, South Carolina
| 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 |
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.
The average cost of Medicare Special Needs plans in Rock Hill, South Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| Clear Spring Health | $0 | $3,450 | HMO | Dual |
| First Choice | $0 | $3,400 | HMO | Dual |
| Wellcare | $0 | $3,000 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
How to sign up for Medicare plans in Rock Hill
Many supplemental Medicare plans are available to help cover costs not covered by Original Medicare. However, having a team on your side is best 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!
