Medigap Plan C – ‘C’ is for Comprehensive
Medigap Plan C is the 2nd most comprehensive Medigap plan available, as of the “modernized” plan changes that took place on 6/1/2010. It is 2nd only to Medigap Plan F, which covers everything that Medicare doesn’t cover at the doctor and hospital. Medigap Plan C does the same, with the one exception of not covering Medicare Part B Excess charges. These charges occur when a doctor charges more than the Medicare approved amount. This, typically, doesn’t occur often and is limited to a certain percentage when it does occur. However, it can occur in some instances.
Medigap Plan C Quotes
Medigap Plan C – What Does This Plan Cover?
Medigap Plan C covers the things not covered under Medicare Parts A (hospital) & B (doctor/outpatient). You do have to be enrolled in both parts of Medicare to sign up for any Medicare supplement, including Medicare Supplement Plan C. Here is a rundown of the “gaps” in Medicare that are filled by Medigap Plan C:
Plan C does pay for the “basic benefits”, which is the 20% that Medicare doesn’t cover at the doctor and hospital. This is called coinsurance and it is picked up entirely by the Medicare supplement Plan C.
Plan C also pays for BOTH Medicare deductibles. For 2011, the Medicare Part A deductible is $1,132/year and the Part B deductible is $162/year.
Who Is Medigap Plan C Best For?
This plan is ideal for people in the following situations (and many other situations):
People who have some pre-existing conditions that require ongoing medication or treatment. In some cases, you will have to be underwritten when you apply for a Medicare supplement plan. However, if you are in an open enrollment period (i.e. turning 65) or guaranteed issue period (losing employer coverage, losing Medicare Advantage plan coverage, etc.), you are exempt from underwriting. And if you ARE in one of these periods and have pre-existing conditions, you should certainly look seriously at Plan C so that you can get comprehensive coverage when it is easily available to you without going through underwriting.
People who like the freedom of not having any out of pocket co-pays at the doctor/hospital.
People who like predictable medical expenses. You pay your monthly premium, then you don’t have any additional medical expenses, UNLESS in the rare case that you physician charges more than the Medicare-approved amount.
Medigap Plan C Is Just What I Need – What Is My Next Step?
You can actually sign up for a Medigap plan (any plan) any time of the year. There are no special enrollment periods – this only applies to Medicare Part D and Medicare Advantage plans. So, you can sign up for a Medigap Plan C right now if it fits your needs. If you have a Plan C currently or another Medicare Supplement plan, switching over is easy to do. Plan C gives you stability and predictability and is a great Medigap option.
To get quotes on the plan or more information, go to Medigap Plan C quotes or you can reach us by phone toll-free at 877.506.3378.
We look forward to helping you compare plans and serving your Medicare Supplement insurance comparison needs.