Welcome, here you will learn about South Carolina Medicare and South Carolina Medicare supplemental insurance. Our goal is to supply you with the information needed to purchase a Medicare supplement plan that best fulfills your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is South Carolina Medicare?
South Carolina Medicare is just Medicare operated inside the state of South Carolina. Medicare is the country’s health insurance program for everyone age 65 or older. Some people younger than age 65 can be entitled to Medicare when they have specific disabilities. Medicare helps with the cost of health care, but it will not cover all medical expenses or the cost of most long-term care.
When should I apply for South Carolina Medicare?
If you are not currently getting retirement benefits it is best to contact Social Security around three months before your 65th birthday to sign up for Medicare. It is possible to sign up for Medicare even when you do not want to retire at 65. Click here to visit the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical bills when you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 per day for days 61-90 hospital room and board, $578 per day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 each day for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical bills for doctor services, some preventive services and various medical services and supplies which are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors may charge as much as 15% above what Medicare authorizes)
Though Medicare will cover a substantial part of your Medical expenses there are plenty of gaps left for you to pay. These gaps can certainly deplete a person’s financial resources when they are on a set budget. A South Carolina Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very reasonably priced for most people.
South Carolina Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized all of these plans. This means that all plans labelled by the same letter provide the exact same coverage whether or not you obtain your insurance from Gerber, AARP, United Health, Mutual of Omaha or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
South Carolina Medicare supplement plan F: This is the most common and comprehensive plan. It covers all the gaps left in both Medicare Part A and Part B.
South Carolina Medicare supplement plan G: This plan is just like Medicare supplement plan F except for not covering the yearly Medicare Part B deductible. For many people this plan is often the best choice if you don’t mind paying the yearly deductible as opposed to the sometimes higher monthly premiums for Medicare supplement plan F.
South Carolina Medicare supplement plan N: Unlike Medicare supplement plan F this plan has got a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for reduced monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while adding the freedom and stability of a Medicare supplement plan.
There are many different insurance companies selling South Carolina Medicare supplement plans and the costs can vary quite a bit from company to company. Many people who do not utilize the services of an independent agent wind up paying over 40-50% more for their insurance! It is a shame especially when getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.