Medicare Plan C, also called Medigap Plan C, covers nearly all of the 20% gap in coverage that Original Medicare leaves. The only thing that Plan C does not cover is Part B excess charges. For this reason, Plan C is most often purchased by people in states that do not allow excess charges.
With Plan C, your coverage includes Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance or copay, Part A hospice care coinsurance or copayment, skilled nursing facility coinsurance, Medicare Part A and Part B deductibles, and foreign travel benefits.
The only thing not covered is Part B excess charges, which are charges beyond what Medicare pays. A medical office can charge up to 15% more than the Medicare charge. These excess charges can be avoided by asking the medical office is they accept Medicare assignment rates. Some states do not allow excess charges, so if you live in one of these states, then Plan C would function the same as Plan F which is the most comprehensive Medicare Supplement Plan.
Medicare Plan C is one of 10 Medicare Supplement Plans available to cover the gaps in Original Medicare coverage. Medicare Part C is referring to Medicare Advantage policies, which are very different from Medicare Supplements. Although the names may be easy to get confused, they are not the same thing.
With many companies to choose from, costs vary greatly. You may see insurance companies that you recognize offering Medicare Supplement policies, but keep in mind the smaller, lesser-known companies that may just have better rates and lower rate increases.
Medigap Plan C offers similar coverage to Plan F. If the possibility of being responsible for excess charges worries you, consider getting quotes for Medigap Plan F too. Prices are often nearly equal.
We are Independent Medicare Insurance Agents who Help Seniors Clarify Their Medicare Goals and Get a Great Deal on Coverage While Providing High-Quality Customer Service:
Did you know…
People turning 65 can get Medicare coverage from over 30+ companies with no health questions?
Here’s how it works
When someone turns 65 or enrolls in Medicare Part B for the first time (whichever comes later) they become eligible for the Medicare Initial Open Enrollment Period.
The signup period begins 3-6 months before starting Part B (age 65 for most) and continues for 3-6 months after Part B starts.
This means that any and all Medicare Supplement plans must accept you regardless of previous health status.
Medicare Supplement Plan benefits are standardized, the only difference is PRICE!
Insurance companies offer the same plan letters (A,B,C,D,F,G,K,L,M, or N) and the benefits with each company compare apples-to-apples…
Medicare Supplement (otherwise known as Medigap) plans are renewable for life. No requirement to change each year.
All standard Medicare Supplement plans are accepted by any doctor that accepts Medicare NATIONWIDE
Medicare Advantage and Part D plans have Annual Enrollment periods and change yearly.
Let us show you how to compare plans and take the headache out of getting set up in one easy step!