Medigap Plan C
Medicare Supplement (Medigap) Plan C is a policy that covers almost all of the Medicare gaps you’d normally have to pay, except the Part B excess charges.
Plan C is very popular in the eight states that have a ban on excess charges: Massachusetts, Connecticut, New York, Pennsylvania, Ohio, Vermont, Rhode Island, and Minnesota (as of 2016).
However, you can only apply if you became eligible for Medicare before January 1, 2020.
Medigap Plan C Benefits
Plan C offers great benefits, including:
✔ First 3 pints of blood
✔ Medicare Part A deductible
✔ Medicare Part B deductible
✔ Medicare Part B coinsurance
✔ Part A hospice care coinsurance
✔ Skilled nursing facility coinsurance
✔ Part A coinsurance and hospital costs
✔ Foreign travel emergency — up to plan limits
The only item not covered is the Medicare Part B excess charges.
What Are Medicare Excess Charges?
Some Medicare doctors don’t accept assignment rates, so they charge you a surplus.
These are occasional surcharges that your physician may charge above and beyond what Medicare will pay back.
Excess charges are limited to 15% above what Medicare pays. If these concern you, consider a Medigap Plan F or G that covers them in full.
Don’t Confuse Medigap Plan C with Part C
Medigap Plan C is one of ten Medicare Supplement options available. Medicare Part C, however, is Medicare Advantage — an all-in-one alternative to Original Medicare.
If you buy a Plan C policy, you’ll get the freedom to access the top doctors and hospitals that you get with Original Medicare. Plus, you can relax knowing your supplement will pay for your inpatient and outpatient deductibles. With similar benefits to Plan F, Plan C has been popular for decades.
Get Help Comparing Medigap Plans and Carriers
There are dozens of companies that offer Medigap policies in each state. If you need help comparing prices for different insurance carriers, get in touch with us. Simple Retirement Benefits works on your behalf — finding you the right coverage at the best rate.
