There are ten different Medicare Supplement insurance plans that Medicare beneficiaries in most states can choose from if they want to save on out-of-pocket expenses. Medicare Supplement Plan C is one of them. If you hope to purchase a Medicare Supplement plan offering comprehensive coverage, then you’ll probably want to explore Medicare Supplement Plan C as an option.
However, Medicare Supplement Plan C enrollment is limited to those who became eligible for Medicare before Jan. 1, 2020.
What Is Covered by Medicare Supplement Plan C?
These are the things that are covered:
- Medicare Part A coinsurance and hospital costs
- Medicare Part A hospice care coinsurance and copayments
- Medicare Part B copayments
- Medicare Part B coinsurance
- Skilled nursing facility care (SNF) coinsurance
- Medicare Part A deductible
- Medicare Part B deductible
- First 3 pints of blood for a necessary medical procedure
- Foreign travel emergency coverage (80 percent of approved costs up to plan limits
What Is Not Covered by Medicare Supplement Plan C?
Even though Medicare Plan C covers many medical expenses for medical services that Original Medicare doesn’t cover, it doesn’t cover everything.
These are some of the costs that are not included in your benefits:
- Medicare Part B excess charges
- Medicare Part D drug plan
- Medicare Part B premium
How Much Does Medicare Supplement Plan C Cost?
The average price for Plan C can range from $200 to 400 per month.
How much you will pay for your monthly premium for Medicare Plan C depends on the insurance agency from which you purchase your policy. For the lowest monthly premium, you’ll want to shop around. Then, you can enhance your Original Medicare coverage in the most affordable way possible.
There are three different ways that Medicare Supplement rates can be calculated.
These are those three methods:
- Community-rated – When Medicare Plan C rates are calculated with this method, everyone with the same plan and insurance company will pay the same rates. The risk is spread out among everyone who signs up for the plan, so if you are prone to high rates because of age or other reasons, you may find that you will get the best Medicare Supplement Plan C pricing with a community-rated plan.
- Issue-age – Some companies calculate their Medigap Plan C rates based on your age when you first sign up. When people buy Medicare Supplement plans from companies that calculate their Medigap Plan C rates this way, they do not have to stress about their rates going up later because of their age. To score the best Medicare Supplement Plan C pricing from a company that uses this model, it’s ideal to sign up as soon as you’re eligible and enrolled in Medicare Part A and Part B.
- Attained-age – Medicare Plan C rates that are calculated this way often seem cheaper when first purchasing them. However, pricing will go up over time as you get older.
What Companies Offer Medicare Supplement Plan C?
At My Medigap Plans, we work with all of the best Medicare Supplement Plan C providers. The best-rated Medicare Supplement companies offering Medicare Supplement Plan C, in our opinion, are listed here:
These are our favorite providers for Medigap Plan C and other Medicare Supplement plans for the following reasons:
- Top financial strength and ratings
- Long history in the health industry
- Great tools and ease of access at all points of the process
- Great customer service
- Competitive rates and stability over time
- Customer satisfaction
You may want to compare options from other companies, too. When you do, though, we think that you might find that the companies above offer the best benefits for beneficiaries like you.
When Can I Enroll in Medicare Supplement Plan C?
Signing up for Medicare Supplement plans during your Medigap Initial Enrollment Period is ideal. This period starts three months before you turn 65 and lasts three months after your birthday. The reasons to sign up for Medicare Supplement plans during this time are simple: There is no medical underwriting. As a result, your rates won’t be higher because of medical conditions, and you will not get turned down for Medicare Supplement plans because of your health.
Does Medigap Plan C Cover Prescription Drugs?
No Medicare Supplement covers Prescription Medications; you must purchase a stand-alone Part D drug Plan.
We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you’re getting the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.
- Types of Medigap Plans
- How Much Do Medigap Plans Cost?
- Mutual of Omaha Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- Aetna Medicare Supplement Plans
- Florida Blue Medicare Supplement Plans
- Medigap and Medicare Part D
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
- CMS Medicare Services