Medicare Supplemental Insurance Plan C is one of the five Medigap policies that offer nearly all of the basic coverage possible. However, it doesn’t cover everything and you will be responsible for some specific types of care. Let’s look closer into Medicare Plan C. When you’re finished, make sure to check out the other Medicare plans available to you below.
Medicare Plan C Coverage
Medicare Supplement Plan C covers the following Medicare expenses:
- Medicare Part A Coinsurance & Hospital Costs (Covered)
- Part A Hospice Care Coinsurance or Copayment (Covered)
- Foreign Travel Emergency (up to plan limits) – (Covered)
- Medicare Part B Coinsurance and Copayment (Covered)
- Medicare Part B Deductible (Covered)
- Medicare Part A Deductible (Covered)
- Blood (First 3 Pints) (Covered)
- Medicare Part B Excess Charges (Not Covered)
Medigap Plan C will provide coverage for all of your basic Original Medicare benefits, which includes your preventative care coinsurance, your Part A hospital coinsurance, Part B deductible, and more.
Medicare Supplement Plan C Does NOT Cover
Medicare Supplement Insurance Plan C does not cover any Medicare Part B excess charges. Your Medicare Part B excess charges are surcharges that your physician may charge above what Original Medicare will reimburse for a procedure. to Original Medicare costs for a procedure. These charges are limited to 15% beyond what Original Medicare will pay.
This is quite uncommon for physician’s to charge excess charges, but it does happen. You just need to be aware that Medicare Supplement Plan C will not provide coverage for these charges if your physician includes them.
| Medicare Supplement Benefits | Plan C covers? |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used | YES |
| Medicare Part B coinsurance or copayment | YES |
| Blood (first 3 pints) | YES |
| Part A hospice care coinsurance or copayment | YES |
| Skilled nursing facility care coinsurance | YES |
| Part A deductible | YES |
| Part B deductible | YES |
| Part B excess charges | NO |
| Foreign travel emergency (up to plan limits) | YES |
Doctor’s Who Don’t Accept Assignment
You may or may not have heard about “Doctor’s Accepting Assignment.” When Medicare physicians don’t accept assignment rates, they can charge you the excess charge. Be aware that the excess charge is not allowed in some states. For Medicare shoppers who reside in these “no excess charge” states, they’ll notice that their Medigap Plan C works like a Plan F.
Medigap Plan C is NOT the same as Part C
Medicare Supplement Plan C is 1 of 10 different medicare supplement plans that are available to people shopping for coverage. It is different than Medicare Part C.
Medicare sure makes things confusing don’t they? Let’s break it down into simple terms:
- Medicare Supplement Plan C (also known as Medigap Plan C) is an insurance plan you buy to cover the 20% gap in coverage from Original Medicare.
- Medicare Part C is another label for a Medicare Advantage policy. Medicare Advantage (aka Part C) isn’t a “supplement”, but it another type of insurance policy. If fact it’s very different than a Supplement and more like an HMO or PPO with a network of doctors.
When you purchase a Medigap Plan C, you aren’t handcuffed to a network of doctors. You’re free to go see any doctor or hospital who accepts Medicare. You can let out a sigh of relief if you ever need to see the “best doctor” in your area for whatever reason. It’s one of the biggest advantages of Medigap – No Networks!
Get Medigap Plan C Quotes
Did you know that there are dozens of insurance companies that offer Medicare supplement insurance in each state. Many of these Medicare insurance companies will be recognizable as they are always on TV commercials.
Some companies are not as well known, but offer the exact same benefits. These unfamiliar companies have solid financial ratings that can provide you a great opportunity at saving a lot of money without sacrificing coverage. They just don’t advertise as much as the so called “big” companies.
Need help comparing prices from the top Medicare supplement insurance companies? Contact REMEDIGAP today at (888)-411-1329.
Michael Quinn is an independent licensed insurance agent with a passion for helping others navigate the complex world of Medicare insurance. With over a decade of experience in the field, Michael has established himself as a trusted advisor to countless individuals seeking guidance on their healthcare coverage options.
In 2013, Michael obtained his license as an insurance agent, laying the foundation for his successful career in the industry. Prior to that, he earned his Masters Degree in Communicative Disorders from the University of Central Florida, which equipped him with strong communication and interpersonal skills.
Driven by a genuine desire to make a positive impact on people's lives, Michael co-founded REMEDIGAP in 2013. It was created as a dedicated platform that aims to educate individuals about Medicare insurance. Through REMEDIGAP, Michael provides comprehensive resources and unbiased information to empower individuals to make informed decisions about their healthcare coverage.
With his extensive knowledge and expertise, Michael has been able to guide thousands of individuals towards finding the most suitable Medicare insurance plans tailored to their unique needs. His dedication to his clients' well-being, coupled with his passion for simplifying complex insurance concepts, has earned him a reputation as a compassionate and reliable advisor.
His work has appeared on many blogs and websites including, USA Today, Yahoo.com, Nerdwallet, Think Advisor, and REAL SIMPLE.
