Best Medicare Supplement Plans in South Carolina
AARP/UnitedHealthcare is the best option for Plan G in South Carolina.
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AARP/UHC has cheap rates and excellent perks. You have to get an AARP membership to sign up, but membership is only $20 per year. If you want a cheaper plan that still has great coverage, consider Plan N from Mutual of Omaha.
And if you're considering a high-deductible Medigap plan, look at Blue Cross Blue Shield.
Who sells the best Medicare Supplement plans in SC?
AARP/UnitedHealthcare has the best Medigap Plan G in South Carolina.
AARP/UnitedHealthcare has good rates and customer service, along with an impressive selection of extra perks and benefits. However, you can get a cheaper Plan G from Mutual of Omaha and still get great service.
Best Medicare Supplement plans in South Carolina
Company |
Customer service (out of 5)
| Plan G monthly rate | |
|---|---|---|---|
| AARP/UHC | 4.0 | $132 |
| Mutual of Omaha | 5.0 | $119 |
| Highmark BCBS | 2.5 | $131 |
| Aetna | 3.5 | $134 |
| Blue Cross Blue Shield | 4.0 | $142 |
All rates are for a 65-year-old woman who does not smoke.
Medigap plans with the same letter have the same coverage no matter what company you choose. That means Plan G from AARP/UnitedHealthcare has the same coverage as Plan G from Blue Cross Blue Shield. To compare Medigap plans, look at monthly rates, customer satisfaction and extra perks.
Best Medigap Plan G in SC: AARP/UnitedHealthcare (AARP/UHC)
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Editor rating
- Plan K: $55
- Plan A: $101
- Plan L: $103
- Plan N: $106
- Plan G: $132
- Plan B: $148
- Plan F: $175
- Plan C: $179
AARP/UHC gives you access to extra benefits in addition to your Medigap coverage.
AARP/UnitedHealthcare is the best option for Plan G in South Carolina because it has good service and great extra perks. When you get a Medigap plan from AARP/UHC, you gain access to all of AARP's perks. That includes discounts on rental cars, hotels, restaurants, home security systems and more. While AARP/UHC doesn't have the cheapest Plan G in South Carolina, you could save money overall if you think you'll use AARP's perks.
You have to join AARP to get an AARP/UnitedHealthcare Medicare Supplement plan. The membership costs $20 per year and gives you access to all of AARP's perks, not just the Medigap plans.
But AARP/UnitedHealthcare isn't the best option if you're on a budget. Plan G from AARP/UHC costs $132 per month, which is the same as the state average. You can get cheaper Medigap plans from Mutual of Omaha. You won't get the extra perks from AARP, but if you want a cheap rate, Mutual of Omaha is a better fit.
Cheapest Plan N in South Carolina: Mutual of Omaha
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Editor rating
- High-ded. Plan G: $36
- Plan N: $85
- Plan A: $103
- Plan G: $119
- Plan F: $145
Mutual of Omaha is a great option if you're on a budget but still want Medigap coverage.
Mutual of Omaha has the cheapest rates for Plan N in South Carolina, at just $85 per month. That's a savings of $15 per month compared to the state average. Mutual of Omaha has cheap rates in general, including the cheapest rates for Plan F and Plan G.
Mutual of Omaha also has great customer service. Overall, the company has about 90% fewer complaints than an average company its size. Choosing a company with good service means you're less likely to have problems when you file a claim or have questions.
Mutual of Omaha doesn't sell as many Medigap plans as other companies. If you want one of the most popular plans — F, G and N — Mutual of Omaha is a great choice. But if you want a less popular plan, like Plan L, Blue Cross Blue Shield is a better option.
Best for high-deductible Medigap: Blue Cross Blue Shield
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Editor rating
- High-ded. Plan F: $64
- High-ded. Plan G: $84
- Plan A: $98
- Plan L: $114
- Plan N: $120
- Plan B: $133
- Plan D: $138
- Plan G: $142
- Plan C: $157
- Plan F: $169
BCBS is the only major insurance company in SC that sells both high-deductible Plans F and G.
Blue Cross Blue Shield is a great option for high-deductible Medigap plans. BCBS sells the high-deductible version of Plan G and the high-deductible version of Plan F, which isn't widely available. With these plans, you'll split your medical bills with Original Medicare until you've paid $2,870 toward your health care bills. Then, your high-deductible Medigap plan starts paying for your medical care.
High-deductible Medigap plans can be a great idea if you want extra protection in case something serious happens, such as a major illness or bad injury. Just be sure to have the money for your deductible.
Blue Cross Blue Shield also sells some less popular Medigap plans, including Plans B, D and L. While these plans aren't likely a good fit for most people, it could be worth looking at BCBS Medigap quotes, so you can compare the less popular plans to the most popular ones.
Blue Cross Blue Shield isn't the best option for the popular Medigap plans. Its rates for Plans F, G and N are higher than some companies, and the plans don't come with enough extra perks to make them worthwhile. If you want a plan with extra perks, go with AARP/UnitedHealthcare. And if you want a cheap plan, check out Mutual of Omaha.
How much are Medicare Supplement plans in South Carolina?
Medigap plans in South Carolina cost between $43 and $175 per month, on average.
The most popular plans in SC — Plans F, G and N — cost between $100 and $166 per month, on average.
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Average cost of Medigap plans in SC
Medigap plan | Monthly cost | Popularity in SC(enrollment %) |
|---|---|---|
| Plan F | $166 | 45% |
| Plan G | $132 | 39% |
| Plan N | $100 | 8% |
| Plan D | $142 | 3% |
| Plan C | $175 | 2% |
Enrollment percentages for Plans F and G include the high-deductible versions. Rates are based on a 65-year-old woman who does not smoke. An * indicates a high-deductible plan.
Plan F is the most popular Medicare Supplement plan in South Carolina, making up nearly half of all plans in the state. But you can only get Plan F if you were eligible for Medicare before Jan. 1, 2020. It will likely get less and less popular as fewer people are able to buy it.
Plan G is the best Medigap plan for most people who are new to Medicare. It has coverage that's almost as good as Plan F, except that it doesn't cover your Medicare Part B deductible. That means you have to pay the first $257 of your medical bills for doctor visits yourself. After that, Part B and your Plan G Medigap plan split the cost for most of your medical bills, leaving you with little or nothing to pay yourself.
Plan N is a good option if you still want good coverage but need a cheaper rate. Plan N has coverage that's almost as good as Plan G but at a cheaper rate. In South Carolina, Plan N costs $32 less each month compared to Plan G. But with Plan N, you might have to pay a bit more when you go to the doctor. That's because Plan N does not cover "excess charges," while Plan G does. Excess charges are rare, but they happen when a doctor doesn't take Medicare and charges you more than the Medicare-approved amount for health care.
Frequently asked questions
What is the most popular Medicare Supplement plan in SC?
Plan F is the most popular Medigap plan in SC. About 45% of people in South Carolina with a Medigap plan have Plan F. However, you can't get Plan F if you're new to Medicare. In that case, Plan G is the best option. Plan G is the second most popular plan in SC, making up about 39% of all Medigap plans in the state.
What is the average monthly cost of a Medicare Supplement plan in SC?
Medicare Supplement plans in South Carolina cost between $43 and $175 per month. Plans F, G and N are the most popular options, and they cost between $100 and $166 per month. Rates change depending on the company you pick, though. For example, Plan G from Mutual of Omaha costs $119 per month, while Plan G from Blue Cross Blue Shield costs $142 per month.
What is the least expensive Medicare Supplemental plan in SC?
The high-deductible version of Plan G is the cheapest Medigap option in South Carolina, costing an average of $43 per month. The reason it's so cheap is that it requires you to pay for more of your health care yourself before the coverage starts. If you have high-deductible Plan G, you'll split your medical costs with Original Medicare until you've paid $2,870 yourself toward your medical bills. Then your Medigap plan will start to cover your care.
Sources and methodology
Average Medicare Supplement rates in South Carolina are from actuarial data for private insurance companies. The rates are for a 65-year-old woman who doesn't smoke, who got her plan when she was first eligible and who had preferred rates. Only companies with a market share above 1.5% in South Carolina were included.
Plan popularity in South Carolina comes from America's Health Insurance Plans (AHIP).
Customer complaint data is from the National Association of Insurance Commissioners (NAIC). ValuePenguin used the data to score each SC Medicare Supplement company on a five-point scale. A lower score indicates a higher number of complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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