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Is a Medicare Supplement Insurance Plan C the Right Option for Me?
Medicare Supplement Insurance plans, also called Medigap, work alongside Medicare Parts A and B (Original Medicare). Medicare Supplement Plan C offers some of the most comprehensive supplemental coverage available among the standardized Medicare Supplement Insurance plans. (Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans).
With Plan C, you get all the benefits of Medicare Supplement Plans A & B, plus much more. Plan C includes coverage for skilled nursing facility care coinsurance, it pays Original Medicare Part A deductible for hospitalization, it pays Original Medicare Part B deductible for medical and hospital outpatient expenses, and offers medical emergency expense assistance (up to plan limits) when traveling out of the country.
What Does Medicare Supplement Plan C Cover?
Important Plan C Change Effective January 1, 2020: Medicare Supplement Plan C is no longer available to purchase due to new federal laws. Anyone enrolled in a Medigap Plan C as of December 31, 2019, will be grandfathered and will be able to continue to use the plan as long as the premiums are paid.
All the basic benefits as Medicare Supplement Plans A & B:
Hospital Expenses: Pays 100% of the Original Medicare Part A hospital expenses.
Medical Expenses: Pays Original Medicare Part B coinsurance (20% of Medicare-approved expenses).
Transfusions: Pays for the first three pints of blood you receive in a medical procedure.
Hospice Care: Pays Original Medicare Part A coinsurance or copayment.
Plus, these additional benefits:
Skilled Nursing: Covers facility care coinsurance.
Part B Deductible: Pays 100% of the Original Medicare Part B deductible.
Foreign Travel Medical Emergencies: Pays travel-abroad medical emergency expenses (80% of approved costs up to plan limits).
Part B Deductible
Part B Excess Charges
Medigap Plan C does not cover prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs. Another option is a Medicare Advantage plan, which typically covers prescription drugs and may also include other benefits, such as dental, gym memberships, vision and hearing coverage.
What Does Medicare Supplement Insurance Plan C Cost?
Monthly premiums are set by the private insurance companies who offer Medicare Supplement Insurance plans and are based on age, health status, gender and various other factors. Depending on these factors including location, insurance companies may charge different premiums for the same Medicare Supplement Plan C. Companies may not cancel your coverage unless you don’t pay the plan premium, you weren’t truthful on the application, or the Medigap insurance company becomes bankrupt or insolvent.
Two Easy Ways to Get Expert Advice and Make a Smart Choice
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Meet a Medicare Supplement Plan C User
Karen works part-time and has two teenage children. It’s important that she stays in control of her expenses—especially unexpected medical costs.
She knows that approximately 20% of her Medicare-approved medical expenses aren’t covered by Original Medicare, so she wants a Medigap plan that would cover expenses such as copays and coinsurance. Karen is in a financial position to pay a little extra each month for this peace-of-mind.
She wanted a Medicare Supplement Insurance Plan that would cover her hospital and healthcare deductibles and outpatient expenses. A regular world traveler, Karen also wanted a plan that would help with medical emergencies out of the U.S.
For these reasons, Karen chose Medicare Supplement Plan C.
Need help navigating the Medicare Supplement Insurance Plan alphabet? To ensure you’re getting all the benefits you deserve, complete the online form to request a callback or call now and speak to a SelectQuote Medicare Plan Expert.