Medigap Plan C offers more comprehensive coverage than Plans A or B, filling in crucial gaps like both the Medicare Part A and Part B deductibles. However, with broader benefits comes a higher premium, making it essential to understand exactly what’s covered and where you might still face out-of-pocket costs. Our Medicare Supplement Insurance Representatives are here to clarify these details and help you determine if Plan C is the right choice for your healthcare needs—read on to learn how this plan can provide greater peace of mind.
Information Provided by a Medicare Supplement Insurance Representative
Medicare with Plan C
The chart below describes the common Medicare benefits along with gaps left by Medicare for you to pay.
| I. In patient | Gap (you pay) | Plan C | |
| days 1-60 | deductible* | $1,632.00 | ✔ Paid |
| days 61-90 life time reserve | coinsurance | $408.00 | ✔ Paid |
| days 91-150 | coinsurance | $816.00 | ✔ Paid |
| after 150 days Medicare quits paying | next 365 paid in full | ✔ Paid |
| II. Skilled Nursing | Gap (you pay) | Plan C | |
| Medicare pays 20 days in full | |||
| days 21-100 | $204.00 | ✔ Paid |
| Gap (you pay) | Plan C | |
| Annual Deductible | $240.00 | ✔ Paid |
| Medicare Covers 80% | 20% | ✔ Paid |
| Part B Excess | 100% | ✖ Not Paid |
| $50,000 emergency medical outside USA $250.00 deductible 80/20 | ✔ Paid |
*The hospital benefit period is reset by Medicare 60 days from your previous hospital release date.
NOTE: Only applicants’ first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F.
Like Medicare Supplement Insurance Plan B it is also optional that each insurance company selling Medigap or Medicare Supplement insurance may offer the Plan C in its selection of plans. (Medigap Plan C is not to be confused with Medicare Part C). Plan C offers the basic services standardized by Medicare along with a few other benefits above Medicare Supplement Insurance Plan A or Medicare Supplement Plan B. One of the first things to notice are the two deductible. Plan C will pay both Medicare Part A (Hospital) and Medicare Part B (Medical) deductibles.
Even though Medicare Supplement Plan C offers more benefit than Medicare Supplement Plan A or Medicare Supplement Plan B, you will still be left with many of the gaps left by Medicare. You will notice the cost of the Medicare Supplement Plan C to be more than Medicare Supplement Plan A or Medicare Supplement Plan B. This is due to more comprehensive coverage provided by Medicare Supplement Plan C. You must be aware of the financial risk should you need certain hospital and medical services.
Medicare Supplement Plan C includes basic benefits which include:
- Hospitalization: Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
- Medical Expenses: Medicare Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insured to pay a portion of Part B coinsurance or co-payments.
- Blood: First 3 pints of blood each year. Hospice: Part A coinsurance.
Hospice Care will be included in all Medicare Supplement Insurance Plans as of June 2010, however, Medicare Supplement Plan C does not provide comprehensive coverage for many of Medicares gaps. For example Medicare Supplement Plan C does not cover or Medicare Part B (Medical) excess. The excess can be very important because you would be responsible for the medical bills above the amount approved by Medicare. This would not be the case with a more comprehensive plan like Medicare Supplement Insurance Plan F or Medicare Supplement Insurance Plan G.
All plans were standardized by the federal government in 1992 for your protection. This means that you are to go by the letter I.D. of the plan to determine what benefits each plan will cover.
The only 2 things that an insurance company who offers a Medicare Supplement Plan C can have any control of are:
Underwriting
Premium price
We have only briefly touched on one Medicare Supplement Insurance Plans, and as you can see it can be very confusing and somewhat overwhelming. We deal with Medicare daily and your Medicare Specialist here at MedicareMall.com can “Take the Mystery Out of Medicare” by walking you through the maze every step of the way. We are committed to you by shopping the best plans from the top companies available. We will do what it takes to make sure you become a very happy, satisfied MedicareMall.com client. To find out more if a Medicare Supplement Plan C is right for you, contact a Medigap Plan Representative now or talk to one of our licensed Medicare Specialists by entering your zip code and clicking the ‘Go’ button