Medicare Supplement Plans for the SC Midlands

Why Midlands Seniors Choose Medicare Supplement

Original Medicare covers roughly 80% of your healthcare costs. The remaining 20% — plus hospital deductibles, copays, and skilled nursing facility costs — comes out of your pocket unless you have supplemental coverage. For many Midlands seniors, that 20% adds up to thousands of dollars in unpredictable bills each year.

A Medicare Supplement plan, also called Medigap, fills those gaps. You pay a fixed monthly premium, and the plan handles most or all of the cost-sharing Original Medicare leaves behind. For residents of Lexington, Richland, and surrounding counties who see their doctors frequently, have ongoing health conditions, or simply want to know exactly what they will pay, Medigap provides the predictability that Medicare Advantage cannot always guarantee.

And unlike Medicare Advantage, a Medigap policy lets you see any doctor or hospital that accepts Medicare — anywhere in the United States — with no referrals and no network restrictions.

Key Benefits of Medicare Supplement

• See any Medicare provider — no referrals required
• Predictable monthly premium that covers most cost-sharing
• Premium is the same whether you use the coverage or not
• Coverage travels with you — same benefits in Lexington or Lexington, Kentucky
• Plans are standardized — Plan G from any carrier covers the same benefits
• No annual network or benefit changes that require yearly re-evaluation
• Often the best choice for frequent healthcare users in the Midlands

Plan G — The Most Comprehensive Option

Plan G covers everything Original Medicare leaves behind except the Part B deductible ($257 in 2026). After you meet that one annual deductible, you have virtually no other out-of-pocket costs for Medicare-covered services.

• Part A deductible — Covered
• Part B deductible ($257/yr) — Not covered
• Part B coinsurance (20%) — Covered
• Skilled nursing facility coinsurance — Covered
• Part A hospice coinsurance — Covered
• Foreign travel emergencies — Covered (80%)
• Excess charges — Covered

Best for: Midlands residents who see doctors frequently or have ongoing health conditions and want maximum coverage with minimal billing surprises.

Plan N — Lower Premium, Still Strong Coverage

Plan N covers most of what Plan G covers, with two differences: small copays of up to $20 for doctor visits and up to $50 for emergency room visits (waived if admitted). In exchange, Plan N typically carries a notably lower monthly premium.

• Part A deductible — Covered
• Part B deductible ($257/yr) — Not covered
• Part B coinsurance — Covered (with $20 copay)
• Skilled nursing facility coinsurance — Covered
• Part A hospice coinsurance — Covered
• Foreign travel emergencies — Covered (80%)
• Excess charges — Not covered

Best for: Midlands residents who are relatively healthy, do not mind small predictable copays, and want to keep their monthly premium lower while maintaining strong coverage.