Medigap 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 additional365 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

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 RAIMA Insurance 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 Medicare agents any questions you have about Medigap or any other Medicare policy!