259,789 beneficiaries receive Part A and Part B Charleston, South Carolina Medicare. Nationwide, there are 57,316,561 beneficiaries enrolled in Original Medicare.
Medicare plans in Charleston, South Carolina
We’ll explore different Supplemental Medicare Plans that can cover the gaps left behind by Original Medicare in South Carolina. We use data for quotes based on female seniors that are 65 years old.
Medicare Advantage plans
54.17 % of females receive Medicare coverage of some kind. Currently, there exist 37 Medicare Advantage plans in Charleston, SC. We’ll explore three popular plans.
UnitedHealthcare is a popular plan with a MOOP (maximum out-of-pocket) cost of $4,500. This plan is an HMO-POS, combining an HMO and a point-of-service (POS) option, with a four-star rating.
Humana is another option seniors choose, with a MOOP of $7,550. This plan is a Local PPO and has a high four-star rating. BCBS of S. Carolina is another Local PPO that residents can use. It has a MOOP of $4,900.
The average cost of Medicare Advantage plans in Charleston, South Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $6,700 | HMO-POS | 3 |
| $0 | $4,500 | HMO-POS | 4 | |
| Humana | $0 | $7,550 | LOCAL PPO | 4 |
| Clover Health | $0 | $7,550 | LOCAL PPO | 3 |
| BCBS of S. Carolina | $0 | $4,900 | LOCAL PPO | 3 |
Medicare Supplement plans
Medigap and Medicare Supplement plans in South Carolina cover healthcare costs not covered by Original Medicare. Since the federal government standardizes these plans, their benefits don’t change from state to state or with different carriers. However, their monthly premiums can vary.
PLAN G is a popular supplement plan for Charleston, South Carolina Medicare. This plan has a monthly premium range of $100.12 to $385.53. While it has a high premium, there’s also a far lower deductible.
PLAN HDG has a premium range of $29.00 to $68.17. This plan carries all the same benefits as PLAN G but with a much higher deductible, so its monthly premium is much lower.
There’s also PLAN F which is another popular choice. With this plan, you have a monthly premium range of $114.09 to $411.06. However, like PLAN G, you can choose a plan with a much higher deductible—PLAN HDF.
The average cost of Medicare Supplement plans in Charleston, South Carolina
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $77.14 | $335.60 |
| PLAN B | $103.50 | $298.00 |
| PLAN C | $115.50 | $358.75 |
| PLAN D | $106.75 | $195.00 |
| PLAN F | $114.09 | $411.06 |
| PLAN HDF | $29.00 | $69.89 |
| PLAN G | $100.12 | $385.53 |
| PLAN HDG | $29.00 | $68.17 |
| PLAN K | $47.10 | $118.75 |
| PLAN L | $63.67 | $206.50 |
| PLAN M | $74.04 | $218.10 |
| PLAN N | $74.89 | $363.87 |
Medicare Part D prescription drugs
Only some South Carolina Medicare Advantage plans cover prescriptions, and no Medigap plans cover medications. As a result, many patients also elect to enroll in stand-alone Part D plans.
Aetna is a good choice when you want to pay low copays. This plan also has a low premium of $6.90 and a three-star rating.
Many Charleston residents also choose Humana due to its wide availability and the ability to purchase cheap generic prescriptions. However, its monthly premium is $22.70.
Wellcare also allows you to purchase cheap generic prescriptions. This three-star rating plan has a monthly premium of $13.00.
The average cost of Medicare Part D plans in Charleston, South Carolina
| MIUM | 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
Some patients may qualify for extra help by exploring Special Needs Plans (SNPs). SNPs work to provide additional benefits to patients with special needs or chronic disabilities. They are a subset of Medicare Advantage plans.
Humana continues to be a popular choice, and as a Local PPO SNP, it provides a MOOP of $3,450 and dual eligibility.
Another Local PPO is . It has a MOOP of $7,550 and offers dental and vision care benefits.
The last SNP we’ll explore is Wellcare. This plan is an HMO, meaning you must visit a physician within its network. It has a low MOOP of $3,000.
The average cost of Medicare Special Needs plans in Charleston, South Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| Molina Healthcare | $0 | $7,550 | HMO | Dual |
| Wellcare | $0 | $3,000 | HMO | Dual |
| First Choice | $0 | $3,400 | HMO | Dual |
| $0 | $7,550 | LOCAL PPO | Dual |
How to sign up for Medicare plans in Charleston
There are many Supplemental Medicare plans available in Charleston, South Carolina. However, finding the right one for you, your budget, and your health needs can be frustrating. Our team is here to help to alleviate some of this stress.
We work with all major carriers and will help you find the right plan for your needs and budget. Our service is free and strives to bring the best service possible. Give us a call or complete our form to get rates.
