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HomeMedicare SupplementSouth CarolinaMedigap in South Carolina for 2027: 25 Insurers and the Plans They Sell

Medicare Supplement

Medigap in South Carolina for 2027: 25 Insurers and the Plans They Sell

COLUMBIA, S.C. — As South Carolinians sort through their Medicare choices for 2027, one piece of the puzzle often gets less attention than Medicare Advantage or Part D: Medicare Supplement insurance, commonly called Medigap. These policies sit alongside Original Medicare and help pay the out-of-pocket costs Medicare leaves behind. For a ZIP code in Charleston (29401), Medicare.gov's Medigap policy search currently lists 25 insurers offering coverage, with a range of federally standardized plan letters among them.

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Key takeaways

  • Medicare.gov's Medigap policy search lists 25 insurers for ZIP code 29401 in South Carolina, offering standardized plans A, B, C, D, F, F-HD, G, G-HD, K, L, M and N among them.
  • The best time to buy a Medigap policy is during your six-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B.
  • Five Medicare Advantage plans offered in South Carolina in 2026 are not returning anywhere in the state in 2027, and affected members have a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not cover prescription drugs, so if you want drug coverage you choose a stand-alone Part D plan separately during Annual Enrollment 2027.
Medicare SupplementSouth Carolina
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in South Carolina
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

Here is what South Carolina readers should know as Annual Enrollment 2027 (October 15 – December 7, 2026) approaches.

What is Medigap and how is it different from Medicare Advantage in South Carolina?

Medigap is private insurance that works with Original Medicare (Parts A and B) to help pay costs like coinsurance and some deductibles. It is not the same as Medicare Advantage. With Medicare Advantage, a private plan replaces the way you get your Part A and Part B benefits and usually has a network. With Medigap, you keep Original Medicare and can generally see any provider in the country who accepts Medicare, with the Medigap policy picking up a defined share of the gaps.

Medigap policies sold today are standardized by the federal government and labeled with letters. Every insurer's "Plan G," for example, covers the same federally defined benefits, though prices and customer service can vary. Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020.

Which insurers sell Medigap in South Carolina, and which plan letters do they offer?

For ZIP code 29401, Medicare.gov's Medigap policy search lists 25 insurers. What is actually available can differ by ZIP code and by age, sex and tobacco use, so your own search may look different. Across the listed insurers, the plan letters sold by at least one company are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.

The 25 insurers and the plan letters shown for each:

For premiums and plan documents, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or ask the insurer directly.

When is my Medigap Open Enrollment Period in South Carolina, and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that starts the first month you are both 65 or older and enrolled in Medicare Part B. During that window, you have a federal right to buy any Medigap policy sold in South Carolina regardless of your health, and the insurer cannot charge more because of pre-existing conditions.

Once that window closes, insurers in most situations can use medical underwriting — meaning they can ask health questions and decide whether to issue a policy and at what price. That is why the six-month window matters so much.

What happens to my Medigap options if my Medicare Advantage plan is not returning in South Carolina for 2027?

According to the CMS Landscape files, five Medicare Advantage plans offered in South Carolina in 2026 are not offered anywhere in the state in 2027. If you are enrolled in one of those plans, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting.

Guaranteed-issue rights also apply in other situations — for example, if you move out of your plan's service area or lose certain other coverage. Medicare.gov describes which Medigap plans are available under each guaranteed-issue scenario and the time limits that apply, so check it before you make a move.

Does Medigap cover prescriptions in South Carolina, or do I need a separate Part D plan?

Medigap sold today does not cover prescription drugs. If you want drug coverage with Original Medicare and a Medigap policy, you enroll in a stand-alone Medicare Part D plan separately.

A few national Part D facts for 2027 are set: the out-of-pocket cap on covered drugs is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium — a national figure used in the late-enrollment penalty — is $41.33. Plan premiums are set plan by plan. The Social Security Administration has also announced a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027.

How do I compare Medigap policies in South Carolina?

Start with the plan letter, because every insurer's version of the same letter covers the same federally defined benefits. From there, the main things that differ are price, how the insurer prices by age over time, customer service and extras the company may add.

Use the Medigap policy search at medicare.gov to see insurers and plans for your own ZIP code; the policy details come from the insurer's own documents. If you also want drug coverage, run a separate search on the Medicare Plan Finder for Part D during Annual Enrollment 2027.

The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not yet been announced; CMS typically releases them in the fall. Watch medicare.gov for those figures.

Where can South Carolinians get free help with Medigap?

Free, personalized help is available by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. The official plan and policy tools, including the Medigap policy search and the Medicare Plan Finder, are at medicare.gov.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can an insurer in South Carolina turn me down for a Medigap policy because of my health?
During your six-month Medigap Open Enrollment Period — which starts when you are 65 or older and enrolled in Part B — insurers must sell you any Medigap policy they offer regardless of your health. Outside that window and outside a guaranteed-issue situation, insurers in most cases can use medical underwriting.
I'm in a Medicare Advantage plan in South Carolina that isn't being offered in 2027. What are my Medigap options?
Five Medicare Advantage plans offered in South Carolina in 2026 are not returning anywhere in the state in 2027. If you are in one of those plans, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting. Medicare.gov lists which policies qualify and the time limits that apply.
Does my Medigap policy include drug coverage?
No. Medigap policies sold today do not include prescription drug coverage. If you want drug coverage with Original Medicare, you enroll separately in a stand-alone Medicare Part D plan, which you can do during Annual Enrollment 2027 (October 15 – December 7, 2026).
When do choices made during Annual Enrollment 2027 take effect?
Choices made during Annual Enrollment 2027, which runs October 15 – December 7, 2026, take effect January 1, 2027.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search results for ZIP code 29401, including the 25 insurers listed and the plan letters shown for each.
  • CMS Landscape Source File: the count of Medicare Advantage plans offered in South Carolina in 2026 that are not returning anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the Medigap Open Enrollment Period and federal guaranteed-issue rights, including the right triggered when a Medicare Advantage plan is not renewed.
  • CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment 2027 dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
  • CMS: the 2027 Part D out-of-pocket cap ($2,400), the maximum Part D deductible ($700) and the base beneficiary premium ($41.33).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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