Original Medicare leaves you with unlimited potential out-of-pocket costs. A Medicare Supplement (Medigap) plan fills those gaps so you always know exactly what you'll pay.
Medicare Supplement plans are standardized — Plan G from one carrier covers the same benefits as Plan G from another. The difference is price.
Covers everything Medicare covers except the Part B deductible. Once you meet that annual deductible, Plan G covers 100% of your remaining Medicare-approved costs — no copays, no coinsurance.
Lower premium than Plan G with some copays ($20 for office visits, $50 for ER). A good balance of coverage and cost for healthy enrollees who rarely need medical care.
Same coverage as Plan G but with a high annual deductible before benefits kick in. Significantly lower monthly premium — ideal for those who want catastrophic protection.
Only available to those who were Medicare-eligible before January 1, 2020. Covers the Part B deductible. If you qualify and have Plan F, keeping it often makes sense.
Plans are standardized — but prices vary dramatically between carriers for identical coverage.
Plan G is identical regardless of carrier — but the monthly premium can vary by $50–$150/month or more between insurers for the same person. We compare every carrier available in your area to find the lowest rate.
Some carriers are known for aggressive annual rate increases. We track rate history across carriers and factor that into our recommendations — not just the current premium.
Medicare Supplement plans work with any provider who accepts Medicare — nationwide. No networks, no referrals, no prior authorizations. Complete freedom of choice.
Your Open Enrollment Period — when you first get Part B — is the best time to enroll in a Supplement. You cannot be denied or charged more for pre-existing conditions during this window.
Learn More
In-depth articles from Jennifer Mauldin covering Medicare Supplement decisions for South Carolina.
The most important Medicare decision explained clearly — with a framework for choosing the right path.
Read the guide →Your Medigap Open Enrollment Period is the most important window you'll have. Here's how to use it right.
Read the guide →Moving to SC with Medicare? Here's what changes, what stays the same, and what to watch out for.
Read the guide →Same coverage, different prices. We compare every carrier in South Carolina to find you the lowest rate for Plan G or Plan N.
Jennifer Mauldin | 843-509-2462 | jennifer@mauldininsurancegroup.com