|Plan Type||Est. Premium*|
|Medigap Plan A:||$78.75||(shop rates)|
|Medigap Plan B:||$106.94||(shop rates)|
|Medigap Plan C:||$123.03||(shop rates)|
|Medigap Plan D:||$111.18||(shop rates)|
|Medigap Plan F:||$132.88||(shop rates)|
|Medigap Plan L:||$100.09||(shop rates)|
|Medigap Plan N:||$104.88||(shop rates)|
|SELECT Plan B:||$82.59||(shop rates)|
|SELECT Plan C:||$108.05||(shop rates)|
|SELECT Plan D:||$88.69||(shop rates)|
|SELECT Plan F:||$114.81||(shop rates)|
|SELECT Plan L:||$84.20||(shop rates)|
|SELECT Plan N:||$82.77||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in South Carolina. You must request a quote to get an exact premium for your situation.
Blue Cross Blue Shield of South Carolina is licensed in South Carolina to sell BCBS of South Carolina Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for South Carolina seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave BCBS of South Carolina an A+ rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
South Carolina seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of South Carolina Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- New Era Life Medigap Plan A (South Carolina)
- Heartland National Medigap Plan A (South Carolina)
- Columbian Mutual Medigap Plan A (South Carolina)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in South Carolina from Blue Cross Blue Shield of South Carolina . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Central States Medigap Plan B (South Carolina)
- United Commercial Travelers Medigap Plan B (South Carolina)
- Loyal American Medigap Plan B (South Carolina)
With this Medicare SELECT Plan B policy you will be required to to use hospitals and, in most cases, doctors within the insurance company's network. Blue Cross Blue Shield of South Carolina offers this plan to South Carolina seniors. Be sure to compare premiums:
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of South Carolina offers it in South Carolina. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- New Era Life Medigap Plan C (South Carolina)
- Central States Medigap Plan C (South Carolina)
- Forethought Life Medigap Plan C (South Carolina)
Blue Cross Blue Shield of South Carolina offers the Medicare SELECT Plan C policy to South Carolina seniors. This plan does requires the policyholder to use hospitals and, in some instances, doctors within the company's network in order to receive the full coverage benefits of the plan. Be sure that you compare premiums to make sure you're found the best rate:
Plan D covers most of the high risk areas not covered by Medicare. Most often the premium for a Plan D is less than the more comprehensive plans, like Plan F and G, but it leaves gaps in the coverage that these plans don’t.
People who choose this plan frequently do so because they are willing to risk the potential expense of the Part B deductible, preventative care and Medicare Part B excess charges. Before purchasing this plan be sure to compare rates on Plan F and G, as well.
Blue Cross Blue Shield of South Carolina offers a Plan D policy in South Carolina. It's not the most common plan, but here are a couple carriers we think you should check out to see if they offer a better price:
- Heartland National Medigap Plan D (South Carolina)
- United Commercial Travelers Medigap Plan D (South Carolina)
- Loyal American Medigap Plan D (South Carolina)
This Medicare SELECT Plan D from Blue Cross Blue Shield of South Carolina is a managed care supplement plan. You get all the same benefits as a regular Plan D, but you must use hospitals and, in some instances, doctors within the carrier's network to receive the full benefits of the insurance. You have options, so make sure you compare premiums:
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in South Carolina. Blue Cross Blue Shield of South Carolina offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in South Carolina by comparing quotes from these insurance carriers:
- New Era Life Medigap Plan F (South Carolina)
- Columbian Mutual Medigap Plan F (South Carolina)
- Heartland National Medigap Plan F (South Carolina)
Medicare SELECT is a managed care supplement plan (like an HMO or PPO) for Medicare beneficiaries. If you purchase this plan, Blue Cross Blue Shield of South Carolina requires you to use the hospitals and, in some instances doctors, within the company's network. Other than that, this policy offers you the same great coverage as a standard Plan F. Compare the premium on this plan with these carriers to be sure you're getting the best price:
Plan L offers many of the same basic benefits as other plans at a much lower monthly premium. The low premium is available because Plan L covers less of the copayments and coinsurance than other supplemental plans. The good news is that you are covered by an annual out-of-pocket maximum, which limits the amount you will be required to pay, should you need the care.
Plan L is a good option if you need a policy with an affordable premium, but still want a reasonable amount of coverage for a wide variety of services. Plan L is like Plan K, but it covers a higher percentage of your costs, has a lower annual out-of-pocket limit ($2,470 in 2015), and the monthly premium is only slightly higher.
The Medigap Plan L offered by Blue Cross Blue Shield of South Carolina offers all of the basic benefits and pays 75% of your deductibles, skilled nursing care and blood. You are required to pay the Medicare Part B excess charges, and the plan does not offer coverage when you travel outside of the United States. The maximum out of pocket limit for Plan L is about $2,500 (compared to as much as $6,700 with Medicare Advantage). Compare Blue Cross Blue Shield of South Carolina 's Plan L with the premiums from these carriers:
- UnitedHealthcare Medigap Plan L (South Carolina)
- American Republic Corp Medigap Plan L (South Carolina)
- Thrivent Financial Medigap Plan L (South Carolina)
A Medicare SELECT Plan L is identical to the standard L Plan but you must use network hospitals and, in some instances, doctors to receive the full insurance benefits. The rates offered by Blue Cross Blue Shield of South Carolina may not be competitive so compare the premium with these plans:
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- New Era Life Medigap Plan N (South Carolina)
- Heartland National Medigap Plan N (South Carolina)
- Central States Medigap Plan N (South Carolina)
If you are familiar with healthcare from a preferred provider organization (PPO), that's basically what you get with this Medicare SELECT Plan N. You must use their network hospitals and doctors to receive the full insurance benefits. Compare with these plans:
You are eligible to apply for a BCBS of South Carolina Medicare Supplement if you are:
- A resident of South Carolina,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of South Carolina offers plans in Greenville, Anderson, Mauldin, Columbia, Charleston, Mount Pleasant, Rock Hill, Summerville, Sumter, Hilton Head and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on