Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in South Carolina. However, if you get a Plan F policy in South Carolina now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
Join a South Carolina Medicare Part D Plan for Rx Coverage
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a South Carolina Medicare Part D plan.
South Carolina Medicare Supplements are Regulated by Law
The South Carolina Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplemental insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
All Medicare Supplements sold in South Carolina provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- Must also offer Plan C or Plan F
To learn more, visit the South Carolina Department of Insurance website at http://www.doi.sc.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of South Carolina dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in South Carolina is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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