Medicare Supplement Plan C
Medicare Supplement Plan C is a policy which covers nearly all of the Medicare gaps that you would usually be required to pay. The only exception is the Part B excess charges.
Excess charges are surcharges that your doctor can charge above and beyond what Medicare will reimburse. They are limited to 15% beyond what Medicare pays. Many doctors do not charge excess charges, but occasionally they do. If this concerns you, the Medigap Plan F or G might be a better choice for you than Medicare Plan C. Those two plans cover excess charges, as of January 2020 Medigap Plans sold to new people with Medicare are not allowed to cover the Part B deductible ($198 in 2020 and $203 in 2021) because of this, Plans C & F are not available to people new to Medicare. If you already have one of these plans, you will be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.
|Medicare Part A coinsurance and coverage for hospital benefits||✔|
|Medicare Part B coinsurance or copayment||✔|
|Blood (first three pints)||✔|
|Hospice Care coinsurance or copayment||✔|
|Skilled Nursing Facility Care coinsurance||✔|
|Medicare Part A deductible||✔|
|Medicare Part B deductible||✔|
|Medicare Part B excess charges||❌|
|Foreign Travel Emergency (up to plan limits)||✔|
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