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.
Explore Medigap OptionsPlan 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.
If you are still unsure of which Medigap plan is appropriate for you, we can help. We will discuss all the coverage options with you to determine which plan is appropriate for your specific goals.