Medicare Supplement Insurance (Medigap) helps South Carolina seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. South Carolina residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in South Carolina
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 133,027 |
| 2 | G | 100,028 |
| 3 | N | 23,435 |
Did you know? Unlike most states where Plan G has already overtaken Plan F, South Carolina still has significantly more enrollees in Plan F — over 133,000 compared to about 100,000 in Plan G. This shows how many long-time beneficiaries in the state continue holding on to their older coverage.
How Medigap Pricing Works in South Carolina
Premiums for Medigap coverage may increase differently depending on the pricing method insurers use. In South Carolina, plans may be priced using one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in South Carolina
South Carolina does not require insurers to sell Medigap plans to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Some insurers may choose to offer coverage voluntarily, but plan availability and premiums can vary widely for this group.
Choosing a Medigap Plan in South Carolina
Plan F continues to be the most popular Medigap option in South Carolina, but new beneficiaries often turn to Plan G for comprehensive coverage. Plan N also provides a lower-cost alternative with some cost-sharing. All Medigap policies are accepted nationwide by providers that take Medicare, giving South Carolina residents flexibility whether they receive care in Charleston, Columbia, or across the U.S.
To review premiums and compare plans available in your ZIP code, visit our Medigap rate comparison page.