Medigap Plan C

Medigap Supplement Plan C is one of the 10 existing supplement plans and covers most of the costs that are left by Original Medicare which include the annual deductible, copays, coinsurance, and more. The only exception is the Medicare Part B excess charges which Plans C doesn’t cover but those aren’t that common.

What is covered under Medigap Plan C?

Plan C covers most of the healthcare costs and will supplement your Original Medicare because it covers:

  • Part A coinsurance
  • Part A deductible
  • Part B deductible
  • Part B coinsurance or copayment
  • hospital stay costs up to 365 days after Medicare benefits reach their limit
  • First three blood prints
  • Part A coinsurance and copayment for hospice care
  • Skilled nursing facility care coinsurance
  • 80% Foreign travel exchange

Plan C enrollment period

You can enroll in Plan C if you were eligible for Original Medicare and already enrolled in Medicare Part B before the 1st of January 2020 because of that year, Medigap Plans no longer cover for the Part B deductible. Therefore, people new to Medicare can no longer enroll in this plan but if you have your plan already and were eligible before you can keep it.

In general, Medicare Supplement Plan C is great for seniors aged 65 or older who visit the doctor’s office or hospitals often, travel overseas, live in a state that doesn’t allow excess charges, or are switching to another Medigap plan with guarantee issue rights outside of their Initial Enrollment Period.

Medicare Supplement Plan C cost

Every supplement plan can vary according to numerous impacts but for 2023, your costs for Medigap Plan C could go from $140 to $420 per month. The cost of Medigap Plan C usually varies depending on your ZIP Code, age, tobacco use status, gender, and more. There is a full list of price factors available but those depend on the plan carrier you choose to provide you with your plan.

To get a more exact assessment of your potential costs you should contact a Medicare health advisor who can help you evaluate your specific situation better.

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