Medicare Supplement Plan C and Part C are entirely two different plans. Part C is Medicare Advantage, whereas Plan C is a type of supplement policy. To purchase a Plan C insurance policy, you must first enroll in Medicare Parts A and B. For those seeking additional coverage to pay for medical expenses which exceed Medicare Part A and Part B coverage, supplement policies are a good choice. Of the 10 plans, Plan C offers a bit more coverage than the other options.
Medicare Supplement Plan C Coverage
Depending on your medical needs, you should have ample coverage when combined with Original Medicare insurance. After turning 65 and enrolling in Medicare Part A and Part B, you have six months to choose a plan. Supplement providers must comply with state and federal rules concerning these plans. For example, if you enroll within the six-month Open Enrollment Period, you cannot be turned down for coverage for any reason, even if you have pre-existing conditions. The insurance company cannot charge more if you have specific health issues than it would charge a healthy person.
If you enroll after the this period, you do run the risk of being denied a supplement policy and you may have to pay a higher premium if you have existing health issues. Because insurance companies can charge any premium they want for coverage, it’s important to ask questions about how policies are priced before purchasing them.
Medicare Supplement Plan C VS Plan F
What’s the difference between Medicare Supplement Plan C vs Plan F? The only difference between these two supplement plans is that Plan F will cover any excess charges a doctor may charge that’s not covered my your Original Medicare, Plan C does not.
Medicare Supplement Plan C Cost
When you compare Medicare Supplement Plan C cost versus Plan F, there usually isn’t much of a difference. Usually Plan C is a little cheaper since it doesn’t cover excess charges. However, depending on your state of residence it may be illegal for a doctor to charge excess charges, in this case Plan C may be the better option regarding cost.
Choosing the Right Medicare Supplement Plan
In most states, if an insurance company offers Plan A, it must also offer Plan C or Plan F, which is also known as Part F Medicare. When choosing the right Medicare Supplement plan, consult with one of our senior Medicare Supplement insurance agents to see which carriers offer Plan C in your state.
If you have on-going medical issues, a family history of specific medical issues, or you just want to make sure you covered just in case, having as much knowledge as possible about your particular present and future health issues will make the decision much easier. Become educated on all the supplement options by reading our FAQs. You can also check out our blog for senior healthcare tips and news.
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