Medicare Supplement Plan C
Medigap Plan C is a policy that covers almost all of Original Medicare’s copayment and coinsurance requirements. The one exception is Medicare Part B’s excess charges — if that is not disallowed in your state.
What does Medicare Supplement Plan C cover?
Medigap Plan C covers nearly all of your copayment and coinsurance requirements. This means it covers 100% of the costs associated with these four things:
- Medicare Part A coinsurance payments for inpatient hospital care for up to an additional 365 days after Medicare benefits are exhausted
- Medicare Part B copayment or coinsurance expenses
- The first three pints of blood used in a medical procedure
- Part A hospice care coinsurance expense or copayment
- Medicare Part A deductible
- Medicare Part B deductible
- Skilled Nursing Facility Coinsurance
- Foreign Travel Emergency
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What are Medicare excess charges?
Excess charges are surcharges some states allow your doctor to charge above what Medicare covers. They are limited to 15% beyond Medicare limits. Most doctors don’t charge excess charges. If you think you require that coverage, there are other Medigap plans that do provide that type of coverage. A licensed Medicare agent at Strickland Insurance & Financial Group can help you find the proper coverage for your needs.
Enrolling in Medigap Plan C
Purchasing a Medicare Supplement policy is easy. Before you apply, you only need to enroll in Original Medicare. Once your Medicare Plan B plan is active, you have a six-month window in which you can purchase a Medigap policy. During this open enrollment window, insurance companies can’t raise your premiums due to your health. This is why we always recommend clients enroll in a Medigap policy when they are first eligible.
However, you can enroll at any time, so feel free to ask one of our licensed agents at Strickland Insurance & Financial group any questions you have about Medigap or any other Medicare policy!
