Personal Insurance

Medicare Supplement Insurance

Coverage for the gaps Original Medicare leaves under its 80/20 cost sharing. We compare Medigap plans across carriers so you don't overpay out of pocket.

We’ll help you make sense of Medicare Supplement Insurance in South Carolina

Medicare Supplement insurance, often referred to as “Medicare gap” insurance, is designed to cover the difference between what you are billed by a medical provider and what Medicare actually covers.

Because Medicare has cost sharing of 80/20, Medicare beneficiaries are responsible for 20% of a Medicare-covered claim under Part B (medical insurance portion) of Medicare.

This means that if you are covered under Medicare and it is your only source of insurance, having the proper Medicare Supplement plan is a critical component.

If you are covered by both Medicare and a group insurance plan, either through your own employment or a spouses, you may not need your own stand-alone Medicare Supplement coverage because your group insurance could be functioning as your supplement.

There are multiple Medicare Supplement plans to choose from, with varying coverage limits and pricing. Choosing the wrong plan can result in thousands of dollars in out-of-pocket costs, so it’s important that you choose wisely.

Call our office today for personalized guidance with choosing your Medicare Supplement coverage.

Because we are an independent agency we have access to multiple Medicare Supplement companies and plans, so we can truly find the best possible plan and price for your unique situation an needs.

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Frequently asked questions

What is Medicare Supplement insurance?
Medicare Supplement insurance, often called Medigap, covers the difference between what a provider bills and what Medicare actually pays. Because Medicare uses 80/20 cost sharing, beneficiaries are responsible for 20% of a covered Part B claim — which a supplement helps cover.
Do I need a supplement if I have a group plan?
Maybe not. If you're covered by both Medicare and a group plan through your own or a spouse's employment, that group insurance could already function as your supplement. We can review your situation to see whether a standalone Medigap plan makes sense.
How do I choose the right plan?
There are multiple Medigap plans with varying coverage and pricing, and choosing the wrong one can mean thousands in out-of-pocket costs. Because we're independent, we compare multiple companies and plans to match the best fit and price to your needs.

Related coverage

Medicare Insurance

Independent, unbiased Medicare guidance — Supplement vs. Advantage, Part D, enrollment timing, and avoiding penalties — consolidated through one local office.

Medicare Advantage Plans

Objective, independent advice comparing Original Medicare and Medicare Advantage (Part C) — including the pros, cons, and rules — so you choose with confidence.

Medicare Prescription Drug Plans

Independent help choosing a Part D plan — and reviewing your formulary each year at open enrollment, since plans change pricing and coverage annually.

Ready to talk it through?

Tell us a little about what you need and one of our agents will reach out. We'll shop your coverage and come back with real options.

Request a Quote (833) 414-3040