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Medicare Supplement Plan C – Medigap Plan C Rates for 2019

Medicare Supplement Plan C has been a Medicare Supplement plan which will pay most of the cost for healthcare that are not covered by the Original Medicare Part A or Original Medicare Part B. Often Plan C will be confused with Medicare Part C that is known as Medicare Advantage; however, these 2 plans are very different.

Plan C is a supplemental insurance designed for people that have been enrolled in with Original Medicare. Medicare Part C is an alternative to using the Original Medicare.

 

Medicare Supplement Plan C Coverage

Plan C has been found to be one of the more comprehensive Medicare Supplement plans that are available out of the 10 plans offered. Original Medicare will not cover everything, and Medicare Supplement plans were creating to cover the costs that Original Medicare does not cover. As an example; you have an annual deductible for Medicare Part B plus you have to pay 20% for additional medical costs. Plan C will pay for most of your healthcare expense which Original Medicare does not cover.

 

Medicare Plan C includes:

  • After Original Medicare benefits run out you can have up to 365 days in the hospital
  • Coinsurance and copayments when visiting your doctor and additional Medicare Part B services.
  • Coinsurance use in skilled nursing care and or hospice care
  • First 3 pints of blood used for different medical procedures
  • Deductible of $1,340, for your Medicare Part A
  • Deductible of $183, for your Medicare Part B
  • Foreign travel emergencies based on your plans limits
  • Eligibility Medicare Supplement Plan C

Anyone enrolled in Medicare Part B will then be eligible to enroll in one of the Medicare Supplemental plans or Medigap plans like Plan C. The easiest way for you to qualify for this coverage will be during your 6-month open enrollment period (OEP). This will begin for you on (the 1st day of the 1st month) which you have turned 65; or older, plus you are enrolled in Part B.

Enrolling during the Open Enrollment Period will automatically qualify you for a policy and guarantees you won’t be rejected or charged higher premiums for any pre-existing health conditions. Waiting to enroll after the OEP will cause the policy to be “medically underwritten” resulting in higher premiums or problems in finding coverage.

 

Signing Up for a Medigap Plan C

If you’re over the age of 65 and have employer health insurance during the time you turned 65 and did not sign up for Medicare Part B. Then your 6-month Medigap OEP begins during the month you do sign up for Medicare Part B. For anyone over 65 and have already been enrolled in Medicare, your open enrollment period has ended. You may still apply for a Medigap Plan C which is medically underwritten.

When disabled and also under the age of 65, Medigap eligibility depends on which state you live in. Some of the states have very few Medigap plans or no options for any plans for those who are disabled and for most under the age of 65 you will have to pay a higher premium opposed to those over the age of 65.

 

Costs for Medicare Supplement Plan C

Plan C monthly premiums amounts depend on where you live, rate structure for the plan, which health insurance company you have chosen, if your being charged more for your health and age.

Since Medicare Supplemental Plans which incudes Plan C are all standardized to ensure you get the exact same health insurance benefits with any insurance companies’ policy.

 

Plan C versus Plan F

The difference between F and C is that Plan C will not cover you Medicare “excess charges” which can be a additional surcharge from doctors up to 15% added to you bill for rates they think are too low. Otherwise Plan F and Plan C are the same. However, Plan F which offers the most insurance coverage is often the most expensive insurance.

Note that some states do not allow excess charges which is you live in one of these states or if your doctors do not charge the excess charge you might save money by choosing Plan C instead of choosing Plan F.

 

Plan C versus Plan G

Plan G is like Plan F in that it will cover your excess charges. Plan G differs form Plan C in that it will not pay for you $183 annual deductible for Medicare Part B. If you have concerns about any excess charges but also want to save money on your monthly premiums, then Plan G might be the better option for you rather than using Plan F or Plan C.

 

What about AARP?

Every Plan C covers your deductibles for both Medicare Part A and Medicare Part B. This includes plans offered by AARP.

 

What about Kaiser? Does this fall under Medicare Plan C?

Both Medicare Supplement plans and the Medicare Advantage Part C plans are sold in several of the states.

 

Will Medicare C plans require medical underwriting?

No underwriting is requiring as long as you sign up during your OEP (open enrollment period) or if it’s during any time you’ll have guaranteed issued rights. Signing up anytime outside these periods will allow the insurance company to check your health and medical history giving them the right to refuse your application or charge higher premiums due to health and age. So, make sure you sign up for any Medicare Supplement plans once you are eligible. Use the chart below to compare Medigap Plan C to the other options available.

Medicare-Supplement-Plan-Chart-2018-Plan-C

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