245,307 Columbia, SC residents are currently enrolled in Medicare Parts A and B. 78,018 (31.80%) of those beneficiaries have a Medicare Advantage plan. We put together a brief guide to teach you more about Supplemental Columbia, South Carolina Medicare plans so you can find the perfect plan for your insurance and budget needs.
Medicare plans in Columbia, South Carolina
Supplemental Medicare plans help Original Medicare beneficiaries offset their healthcare costs while enrolling in additional benefits. Below, we will review the different types of Supplemental Medicare plans available in Columbia with rates based on a 65-year-old male beneficiary.
Medicare Advantage plans
There are 78,018 Medicare Advantage plan enrollees in Columbia, SC, alone. There are 39 different Columbia, South Carolina Medicare Advantage plans to make your medical expenses more affordable while providing more benefits.
Humana has a four-star Medicare Advantage Local PPO plan that offers a $0 monthly premium and a $6,700 MOOP (Maximum Out-of-Pocket) cost.
Molina Healthcare sports a three-star rating and provides an HMO (Health Maintenance Organization) plan without a premium and a $7,550 MOOP.
Wellcare offers an HMO-POS plan with a three-star rating and a MOOP of $6,700.
The average cost of Medicare Advantage plans in Columbia, South Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| $0 | $5,900 | LOCAL PPO | 3 | |
| Wellcare | $0 | $6,700 | HMO-POS | 3 |
| Humana | $0 | $6,700 | LOCAL PPO | 4 |
| Molina Healthcare | $0 | $7,550 | HMO | 3 |
| Aetna | $0 | $3,400 | HMO | 3 |
Medicare Supplement plans
The United States government standardizes Medigap plans nationwide to prevent benefits from changing from state to state or provider to provider. However, the monthly premiums often fluctuate depending on the carrier, plan type, and other factors.
Medigap Plan G is an exceedingly popular plan among Columbia residents since it doesn’t require beneficiaries to pay a Part B deductible. Monthly premiums range from $96 to $407.66.
Medigap Plan F is one of the most comprehensive plans available, and monthly premiums are between $108 and $434.66.
Medigap Plan HDG, also known as High-Deductible Plan G, provides enrollees with the same benefits as Medigap Plan G but includes a higher deductible. Premiums range from $30 to $75.35 per month.
The average cost of Medicare Supplement plans in Columbia, South Carolina
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $82.75 | $372.77 |
| PLAN B | $93.75 | $336.62 |
| PLAN C | $104.75 | $404.87 |
| PLAN D | $97.00 | $202.00 |
| PLAN F | $108.00 | $434.66 |
| PLAN HDF | $30.00 | $77.26 |
| PLAN G | $96.00 | $407.66 |
| PLAN HDG | $30.00 | $75.35 |
| PLAN K | $53.66 | $134.87 |
| PLAN L | $67.67 | $233.87 |
| PLAN M | $77.47 | $242.21 |
| PLAN N | $74.00 | $384.80 |
Medicare Part D prescription drug plans
Medigap plans don’t cover prescription drug costs, and only a few Columbia, South Carolina Medicare Advantage plans include medication coverage. Because of this, many residents purchase an independent Part D plan from a private medical insurance provider to make their prescriptions more affordable.
Humana offers a four-star Part D plan with a $22.70 premium and a $480 deductible. Aetna provides a three-star method with a $6.90 premium and a $480 deductible. Clear Spring Health offers a two-star Plan D plan with a $16.50 premium and a $480 deductible.
The average cost of Medicare Part D plans in Columbia, 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
Medicare Special Needs Plans, better known as SNPs, are a subclass of Columbia, South Carolina Medicare Advantage plans for residents with chronic disabilities and special needs. However, Special Needs Plans aren’t available in every region. Keep this in mind when researching plans within your ZIP code.
Wellcare offers an HMO Special Needs Plan with a zero-dollar premium and a $3,000 MOOP. This plan is available to dual-eligible beneficiaries.
Molina Healthcare provides an HMO SNP without a monthly premium and a $7,550 MOOP for dual-eligible beneficiaries.
Humana offers a local PPO Special Needs Plan with a zero-dollar premium and a $7,550 MOOP. Enrollees must have a chronic or disabling condition to qualify for this plan.
The average cost of Medicare Special Needs plans in Columbia, South Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,000 | HMO | Dual |
| Humana | $0 | $7,550 | LOCAL PPO | Chronic/Disabling |
| First Choice | $0 | $3,400 | HMO | Dual |
| Molina Healthcare | $0 | $7,550 | HMO | Dual |
| $0 | $7,550 | LOCAL PPO | Dual |
How to sign up for Medicare plans in Columbia
Our team works with all of Columbia’s leading insurance providers and will guide you through the enrollment process at no cost.
Whether you need help signing up for a supplemental Medicare plan or want to learn more about the enrollment process, we are here to help. Give us a call or complete our online rate form and get current rates today!
