Medicare Supplement Plan C is a popular Medicare Supplement plan that pays most healthcare costs not covered by Original Medicare Parts A and B. Plan C is often confused with Medicare Part C, also known as Medicare Advantage, but the two are very different.
Plan C is supplemental insurance for people who are enrolled in Original Medicare. Medicare Part C is a private health insurance alternative to Original Medicare.
Medicare Supplement Plan C Coverage
Plan C is one of the most comprehensive Medicare Supplement plans available – and there are 10 in all. Medicare Supplement plans exist because Original Medicare doesn’t cover everything. For example, Medicare Part B has an annual deductible, and you must pay 20 percent of your other medical costs. Plan C pays most of the healthcare expenses that Original Medicare doesn’t cover. This includes:
- Up to an additional 365 days in the hospital after Original Medicare benefits run out
- Coinsurance (usually 20 percent) and copayments for doctor visits and other Medicare Part B services
- Coinsurance for hospice or skilled nursing care
- The first three pints of blood for a medical procedure
- The Medicare Part A deductible of $1340
- The Medicare Part B deductible of $183
- Foreign travel emergencies, up to plan limits
Eligibility for Medicare Supplement Plan C
Anyone who is enrolled in Medicare Part B is also eligible to enroll in a Medicare Supplement, or “Medigap” plan such as Plan C. However, it is easiest to qualify for coverage if you enroll during the six-month open enrollment period that begins on the first day of the first month that you are 65 or older and enrolled in Medicare Part B.
If you enroll during this time, you automatically qualify for a policy. You can’t be rejected or forced to pay higher rates because of pre-existing health conditions. If you wait, your policy will be “medically underwritten,” and this means you may pay higher premiums or have a hard time finding coverage.
If you’re over 65 and didn’t sign up for Part B because you still had employer health insurance when you turned 65, your six-month Medigap open enrollment period will begin in the month you sign up for Part B. Those over 65 that have been on Medicare for more than six months, your open enrollment period is over. However, you can still apply for a medically underwritten Medigap Plan C.
If you’re disabled and Under 65, your eligibility for Medigap plans will depend on the state where you live. In some states, there are few or no Medigap options for disabled Medicare recipients. People who are under 65 usually pay higher rates than people 65 and over.
How to Sign Up for Medigap Plan C
Depending on where you live, Medigap Plan C may be offered by several different insurance companies, at different rates. You can do your own research and contact each insurance company individually.
However, the easiest way to enroll is to work with a qualified company like MedicareFAQ that can search all the top insurance companies in your area and provide you with quick and free quotes. After that, you can complete the enrollment process online.
You will pay a monthly premium for Plan C coverage, but the amount of your premium will depend on where you live, the insurance company you choose, your plan’s rate structure, and whether you were charged more because of your age or health. The best way to estimate your costs is to get a free online quote.
Medicare Plan C Reviews
Like all Medigap plans, Medicare Supplement Plan C is standardized. This means you receive the exact same set of benefits, no matter which insurance company issues your policy. You can choose an insurance company that you already know and trust, or one that offers the best rates.
To decide whether Medicare Supplement Plan C or another plan might be better for you, here are some guidelines:
Plan C vs Plan F
Plan F offers the most coverage of any Medicare Supplement plan, but it also tends to be the most expensive. Medicare Supplement Plan C coverage is identical to Plan F’s. The only difference is that it doesn’t cover Medicare “excess charges.” This is a surcharge of up to 15 percent that doctors may add to your bill if they feel that the rate that Medicare pays is too low.
In some states, excess charges aren’t permitted. If your state doesn’t allow excess charges, or if your doctors don’t charge them, you may save money by choosing Plan C instead of Plan F.
Plan C vs Plan G
Like Plan F, Plan G covers excess charges. Plan G is also different from Plan C because Plan G does not pay the $183 annual Medicare Part B deductible. If you are concerned about excess charges but want to save money on premiums, Plan G may be a better choice for you than Plan F or Plan C.
We can provide you with quotes for Plan C coverage from the top-rated insurance companies in your area. We’ll answer your questions and help you complete the online enrollment process. To get started, call us, or click here to compare rates now.
Plan C FAQs
Does the AARP Plan C cover the Medicare deductible?
Every Plan C, including the one offered by AARP, covers the deductibles for Medicare Part A and Part B.
Does Kaiser fall under Medicare Plan C?
Kaiser Permanente sells Medicare Supplement plans and Medicare Advantage (Part C) plans in several states.
Do Medicare C plans require underwriting?
Medigap Plan C does not require underwriting if you sign up during your open enrollment period, or during a time when you have guaranteed issue rights. If you sign up at any other time, the insurance company will look into your medical history, and you can be turned away or charged more money because of your age or health. This is why it is best to sign up for a Medicare Supplement plan as soon as you are eligible.