Call us at 1-800-930-2836 (TTY 711)

Medicare Supplement Insurance

This type of insurance supplements, or helps fill the gaps, in Original Medicare. Since Medicare wasn’t created to cover all health care expenses, you can purchase a Medicare Supplement plan in addition to Original Medicare.

How Medicare Supplement insurance works

When you have a Medicare Supplement insurance policy, it works hand-in-hand with Medicare. A Medicare Supplement plan will help cover the deductibles and coinsurance not covered by Medicare and pays many of these costs for you.

Depending on the plan chosen, Medicare Supplement plans:

  • Provide first day coverage for inpatient, outpatient and medical services (once the Medicare Part B deductible has been met).
  • Pay for many health care costs that Original Medicare requires you to pay (e.g. coinsurance, copayments, and deductibles).
  • Provide optional coverage available through a private insurer.

In addition, several Medicare supplement plans have a lower premium in exchange for out-of-pocket cost sharing on inpatient and medical services before the plan will pay benefits. The amount and type of cost share depends on the specific plan chosen.

If you choose plans that have a network hospital restriction, for medical services, once the Medicare Part B deductible has been met, there are no additional out of pocket costs as long as your doctor accepts Medicare's assignment.

How do I qualify for a Medicare Supplement plan?

  • You must have Medicare Parts A and B.
  • You must be a South Carolina resident.

How do I use my plan?

When you use providers who accept Medicare, you will not have to file your own claims. Just take your Red, White & Blue Medicare Card and your Medicare Supplement plan ID card to your physician or hospital and you will pay the appropriate copay or coinsurance for your plan. There are no claim forms to fill out, claims are submitted by your physician or hospital directly to Medicare, and then automatically crossed over to your Medicare Supplement plan. You will receive Medicare Summary Notices from Medicare and from your Medicare Supplement plan.

What is the Monthly Bank Draft and how do I sign up?

An monthly bank draft is an automatic withdrawal of your monthly premium payment from a checking or saving account (Debit and credit cards are not accepted). If you are enrolled in a Medicare supplement plan, you can set up automatic payments by selecting the Monthly Bank Draft option as your payment preference in the application.



Medicare beneficiaries may also enroll in BlueCross Total (PPO), BlueCross Secure (HMO), BlueCross Rx Value (PDP) and BlueCross Rx Plus (PDP) through the CMS Online Enrollment Center at www.medicare.gov.

BlueCross BlueShield of South Carolina is a Medicare Advantage PPO and HMO plan with a Medicare contract. BlueCross Rx Value and BlueCross Rx Plus are stand-alone prescription drug plans with a Medicare contract. Enrollment in BlueCross Total, BlueCross Secure, BlueCross Rx Value or BlueCross Rx Plus depends on contract renewal.

You must continue to pay your Part B premium. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, copayments or coinsurance may change on January 1 of each year.

Out-of-network/non-contracted providers are under no obligation to treat BlueCross BlueShield of South Carolina Medicare members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call Customer Service or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

Current members should call Customer Service at 1-855-204-2744 for additional information. (TTY users should call 711). Hours are seven days a week, 8 a.m. to 8 p.m., Oct. 1, 2019, to Mar. 31, 2020.  Monday – Friday, 8 a.m. to 8 p.m. all other times.

If you are not a member, call us at 1-800-930-2836 (TTY users should call 711). We are available for phone calls from October 1 to December 31; you can call us 8 a.m. to 8 p.m., 7 days a week. From January 1 to September 30, we’re here 8 a.m. to 6 p.m., Monday through Friday. Calls to this number are answered by a licensed insurance agent.

BlueCare and Blue Select are not connected with or endorsed by the U.S. Government or the Federal Medicare Program. These policies have limitations and exclusions.