Best Medicare Supplement Plans in South Carolina

Written by: 
Matt Kiggins
Last updated: 
Aug 14, 2023

Medicare Supplement plans in South Carolina refer to a type of Medicare plan you can purchase to cover certain out-of-pocket costs for which you are responsible under Original Medicare. There are ten supplement plans available to Medicare beneficiaries.

Editor's Pick:

Of the ten plans offered in 2023, Mutual of Omaha offers the best Medicare Supplement Plan G rates, coming it at only $111 per month for the most comprehensive coverage.

Mutual of Omaha also has the best rates for their Medicare Supplement Plan N at $80 per month; perfect for those who want great coverage without compromising value.

And finally, if you're wanting coverage with lowest possible monthly premium, High Deductible Plan G from Mutual of Omaha has excellent rates starting at $38. There is a deductible of $2,700 that needs to be met before this plan will cover costs.

Below is a brief overview of what each plan covers.

Best Plan G:

Mutual of Omaha Medicare Supplement Plan G

If you're seeking a reliable Medicare Supplement plan with extensive coverage, look no further than Mutual of Omaha Plan G. This policy covers many out-of-pocket expenses, except for the deductible that comes along with Medicare Part B.


When considering your options, here are several convincing advantages of choosing Plan G:

  • Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
  • No referrals are required.
  • Freedom to see any medical provider willing to accept Original Medicare.

Monthly Plan Cost: $111

*Prices based on a 65 year old non smoking female living in zip code 29483 South Carolina.

Best Plan N:

Mutual of Omaha Medicare Supplement Plan N

Mutual of Omaha Medicare Plan N is the ideal option for individuals looking to pay lower premiums while still obtaining excellent coverage.

This plan provides a wide range of advantages, such as:

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Out of Pocket Expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits

Monthly Plan Cost: $80

*Prices based on a 65 year old non smoking female living in zip code 29483 South Carolina.

Best High Deductible Plan G:

Mutual Of Omaha High-Deductible Plan G

  • After you've paid the initial deductible of $2,700, your coverage will be on par with a conventional Plan G—and at a much more reasonable price than standard Medicare Supplement Plan G options.

Monthly Plan Cost: $38

*Prices based on a 65 year old non smoking female living in zip code 29483 South Carolina.

Best Full Coverage

Mutual of Omaha Medicare Supplement Plan F

  • Mutual of Omaha Medicare Plan F offers the most comprehensive benefits, including coverage for Part A and Part B deductibles, along with coinsurances. To take advantage of this plan, one must have been enrolled in Original Medicare before January 1st 2020.

Monthly Plan Cost: $136

*Prices based on a 65 year old non smoking female living in zip code 29483 South Carolina.

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What's the Best Medicare Supplement Company in South Carolina?

Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in South Carolina.

While Mutual of Omaha Medigap plans tend to be more affordable in South Carolina, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.

For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in South Carolina, including sample premiums, ratings, and market share:

Cigna

Market share: 6.69%

Plan G cost: $126

Plan N cost: $90

Financial strength: A

Mutual of Omaha

Market share: 9.70%

Plan G cost: $111

Plan N cost: $80

Financial strength: A+

Aetna

Market share: 12.56%

Plan G cost: $121

Plan N cost: $83

Financial strength: A

United Healthcare

Market share: 28.61%

Plan G cost: $111

Plan N cost: $82

Financial strength: A

How Much Does a Medigap Plan Cost in South Carolina?

The best price for Medicare Supplement Plan G in South Carolina is $111 per month with Mutual of Omaha.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Monthly Cost

$136

$111

$80

$38

$94

Plan Popularity in South Carolina

60%

45%

25%

15%

8%

Quotes are for sample purposes only. Prices are the average monthly rate in Pennsylvania for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

When Can I Apply for a Medicare Supplement Plan?

You can purchase Medigap insurance in South Carolina during your Medigap Open Enrollment Period (OEP). Your OEP begins the month you turn 65, lasts for six months, and is only accessible if you have Part B coverage. Unfortunately, this period cannot be changed or repeated. Insurance companies are required to offer equal prices and acceptance to every beneficiary that applies during the OEP. This will give you the most plan options and the best pricing.

Outside the Medigap Open Enrollment Period, there is no guarantee that a Medicare insurance company in South Carolina will sell you a Medigap plan unless you have guaranteed issue rights. If you are accepted, it may be at a higher price.

If you are under 65: You may not have eligibility. In certain states, Medigap policies have to be sold to those under 65 with a qualifying disability or ESRD (end-stage renal disease), but they will generally cost you more.

Guaranteed Issue Rights

Having guaranteed issue rights means that private insurance companies that sell Medigap insurance in South Carolina are required to:

  • Offer you at least one of the Medigap policies
  • Waive any waiting period for pre-existing conditions
  • Offer a equal rate to everyone, even those with health conditions

Following are examples of situations in which guaranteed issue rights may apply:

  • Your employer, retiree, or COBRA insurance policy is ending.
  • You are losing Medicare Advantage because the plan has discontinued coverage in your area or is leaving the federal Medicare program.
  • You have had Medicare Advantage for less than a year and now want to switch to Original Medicare.

If one of these applies to you, you may be granted a Special Enrollment Period where you can enroll outside of the OEP.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.

FAQ

Mutual of Omaha and Cigna are excellent Medicare Supplement providers in South Carolina. Both companies offer comprehensive coverage plans that provide additional protection beyond what Original Medicare offers.

Plans range from about $38 to $245 per month. The price of Medicare Supplement plans in South Carolina can differ based on various factors such as your age, gender, history of tobacco use, and the specific plan you choose.

The monthly premium range for Medigap Plan G is $111 - $190. However, this amount will vary slightly depending on your age and location and the insurance company you choose.

If you decide a different Medigap plan is more suitable, you can change plans anytime. If you apply for a Medigap policy after the Medigap Open Enrollment Period and do not have guaranteed issue rights, you may be refused coverage due to health issues.

Suppose you apply for a Medigap Plan outside of your open enrollment period or don't qualify for guaranteed issue rights due to other circumstances. In that case, you may be denied coverage or charged a higher premium based on your health history.

Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com

For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

Read Full Bio
Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com
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Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.

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