South Carolina Medicare Plans
Medicare in South Carolina is best when combined with a Supplement or Part D plan. This is because Original Medicare can leave behind thousands in out-of-pocket costs. There are numerous additions to lower those costs. This is why it’s best to work with an agent when you are ready to shop plans and enroll in Medicare. We can help you through this process.
South Carolina Medicare plans open enrollment
Open enrollment for new Medicare beneficiaries begins at 65. Your enrollment period begins three months prior to your birthday and continues for the three months after your birthday. At this time it is also best to enroll in a Supplement as you cannot be declined due to your current health.
While you can enroll in a Supplement at any time throughout the year, you are required to complete a health survey and can be declined based on your pre-existing health conditions.
The Medicare plans in South Carolina are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 41 Advantage, Part C, plans available in South Carolina (depending on the county you reside in). Advantage plans offer numerous additional benefits beyond the Original Medicare benefits. These benefits include vision, dental, and prescription drug coverage. These private insurance plans can be a good choice if you need coverage in those additional areas.
Medicare Part D
Part D plans are prescription drug coverage plans that can help limit out-of-pocket spending at the pharmacy. There are 29 Part D plans in South Carolina. These are popular among beneficiaries as Original Medicare and Supplements do not cover prescription drugs.
How we can help
Remember, all plans provide standardized coverage, and the only difference is the cost. Our South Carolina licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.