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Home / Resources / Medigap Plan C: Medicare Supplement Insurance

Medigap Plan C: Medicare Supplement Insurance

By Kolt Legette

Since 2003, Kolt Legette has helped clients navigate the often-confusing world of insurance. His number one goal is protecting the medical and financial wellbeing of every person he speaks with, wheth ... sceler they choose to buy insurance or not. Kolt loves representing the best brands in medical insurance as it allows him to provide side-by-side comparisons for his clients. This allows the client to decide which company works best for them. By putting the needs of the client above everything else, Kolt helps real people find affordable health insurance solutions for their most pressing healthcare needs. With his belief that peace of mind is priceless, Kolt's goal in every interaction is to make sure every person he speaks to leaves with the peace of mind they rightfully deserveRead more

May 23, 2020

Benefits

Medigap Plans

A B C D F G K L M N
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $6,220 $3,110 N/A N/A

2021 Data – Table Source

What Is Medigap Plan C?

Medicare supplement Plan C offers coverage for your primary medical expenses above the basic benefits. This plan offers the basic coverage of Plan A and more, however, it does not cover Medicare Part B excess charges as do the more comprehensive Plans F and G.

Plan C provides coverage for the basic benefits, which include hospitalization, medical expenses, and blood coverage for the initial three pints annually. Hospitalization includes coverage for your Medicare Part A coinsurance up to an additional 365 days after Medicare benefits are used up. Medical expenses include paying coinsurance for Medicare Part B, or co-payments for hospital outpatient services.

Plan C also includes Skilled Nursing Facility care, the Part A and B deductibles, and emergency services during travel abroad. Part A hospice care coinsurance or co-payment is also included in Plan C.

Even though Plan C coverage does not include excess charges from Medicare Part B, it does pay all of the approved costs of your services. Under Plan C, coverage is limited to Medicare-approved charges. This means that you may be responsible for paying additional out-of-pocket expenses if your doctor charges more than the Medicare approved amount.

It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare Supplement Plans. Most insurance carriers offer a variety of plans, and our licensed sales agents can help you shop around for the plan that best fits your needs.

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Originally posted on Dec 08, 2020 05:12:20

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The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.

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Last Updated 01/13/2021