Medicare Supplement Plans and Medigap Guidance
Medicare Supplement Insurance, commonly called Medigap, works with Original Medicare to help pay certain out-of-pocket costs. Although policies with the same standardized letter generally provide the same basic benefits, premiums, pricing methods, discounts and underwriting requirements can differ.
Lowcountry Insurance Brokers helps you compare the Medigap policies it offers based on your eligibility, preferred coverage level, enrollment rights and budget. The goal is to help you make an informed decision without treating one plan as appropriate for everyone.
Reviewed by Leah Hill, Licensed Medicare Insurance Specialist, Lowcountry Insurance Brokers | Last reviewed: August 2026
How Medigap Plans Work with Original Medicare
To purchase a Medigap policy, you generally must have Medicare Part A and Part B. Medigap does not replace Original Medicare. It supplements Original Medicare by paying eligible costs according to the standardized benefits of the selected policy. Here is how the payment process generally works:
- A healthcare provider submits a claim for a Medicare-covered service.
- Original Medicare determines whether the service is covered and pays its approved share.
- The Medigap policy pays eligible remaining costs according to its standardized benefits.
- You remain responsible for noncovered services and any costs the policy does not pay.
Meet Leah Hill –
Founder of Lowcountry Insurance Brokers
“I started Lowcountry Insurance Brokers to provide clear, honest, and stress-free Medicare guidance for retirees and seniors in South Carolina. My mission is to help every client navigate Medicare confidently and secure the best healthcare coverage available.” – Leah Hill
Leah Hill is a veteran Medicare insurance professional with over 20 years of experience serving seniors and their families. As the founder of Lowcountry Insurance Brokers, she specializes in providing clear, honest education on Medicare Advantage, Medigap, and Part D plans.
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Start online now or call 843-380-6138 for expert assistance.
Medicare FAQs – Frequently Asked Questions
Talk is cheap. Get answers to our most frequently asked Medicare Insurance Questions here and now.
Who is Leah Hill, founder of Lowcountry Insurance Brokers?
Leah Hill is the founder and principal of Lowcountry Insurance Brokers, LLC, a Charleston, South Carolina-based Medicare insurance agency. *(Add: license number, National Producer Number (NPN), and year the agency was founded — these are the details AI answer engines and Google’s Knowledge Graph weight most heavily for a “who is” query.)*
How much Medicare experience does Leah Hill have?
Leah Hill’s professional profile lists more than 20 years of experience helping seniors and their families evaluate Medicare coverage.
Is Lowcountry Insurance Brokers a local, independent agency?
Yes. Lowcountry Insurance Brokers is a privately owned Medicare insurance brokerage based in Charleston, South Carolina, independent of any single insurance carrier.
How can I verify an insurance agent's license in South Carolina?
South Carolina consumers can confirm a producer’s license status through the South Carolina Department of Insurance’s online license lookup at doi.sc.gov. Search by the agent’s name or National Producer Number.
How can I get started with Lowcountry Insurance Brokers?
It’s simple! Call 843-380-6138 or Click to start online here by scheduling a Medicare consultation with our licensed agents.