Featured, Original Medicare  |  Published February 29, 2024

Welcome to South Carolina! Navigating Medicare in Your New Home

Welcome to South Carolina! Now that you’re settled in, it’s time to start thinking about your Medicare options as you enjoy life in the Palmetto State.

Welcome to South Carolina! As you settle into your new home, navigating Medicare and other health care options can feel overwhelming. Luckily, BlueCross BlueShield of South Carolina, your South Carolina neighbor, is here to help you understand Medicare supplemental insurance and Medicare Advantage plans.

Plus, BlueCross is the only Medicare insurance carrier that offers expanded guaranteed issue rights to pick new Medicare plans without health questions for many new movers.

Understanding Your Options

Medicare itself covers a significant portion of your health care costs, but there are gaps. This is where supplemental insurance, Medigap, or a Medicare Advantage plan comes in. Medigap plans help pay for deductibles, coinsurance and other out-of-pocket expenses associated with Original Medicare, which is Parts A and B. Medicare Advantage plans, on the other hand, bundle Part A and B coverage with additional benefits like vision, dental and prescription drugs, often at a predictable monthly cost.

Choosing the Right Fit

Deciding which option is right for you depends on your individual needs and budget. Consider factors like:

  • Expected health care needs: Do you anticipate frequent doctor visits or specialized care?
  • Financial priorities: How comfortable are you with potential out-of-pocket costs?
  • Preferred network: Do you have established doctors you want to stay with?

Guaranteed Issue Rights

The good news is that as a new resident of South Carolina, you may qualify for guaranteed issue rights for Medigap plans during your first six months of residence. You may also qualify if you are losing a health maintenance organization plan, Medicare Advantage prescription drug plan or SELECT Medicare Supplement plan because you are moving out of the plan’s service area. If qualified, you can’t be denied coverage due to preexisting conditions.

Your South Carolina Neighbors at BlueCross

Remember, we’re not just an insurance company; we’re your South Carolina neighbors. Our dedicated team members live and work in the communities we serve. We understand the unique health care needs of our state. We offer a wide range of Medigap and Medicare Advantage plans designed to meet diverse needs and budgets.

Here’s how we can help:

  • Local experts: Our licensed agents are available to answer your questions and guide you through the selection process. They can even help you compare plans and find one that fits your specific needs.
  • Community involvement: We actively participate in local events and educational programs to ensure you have access to reliable information and resources.
  • Peace of mind: Knowing you’re covered by a trusted, local company can provide valuable peace of mind, allowing you to focus on enjoying your new life in South Carolina.

Ready to get started?

Visit our website, call us at 833-747-0539, or connect with a local agent to schedule a free consultation. Remember, choosing the right Medicare plan is an important decision. We’re here to support you every step of the way.

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