Medicare Supplement Plan C
Medicare Supplement Plan C is one of ten Medicare Supplement plans that help Medicare beneficiaries cover out-of-pocket medical expenses. It is also frequently called Medigap Plan C. If you live in a state that prohibits excess charges, Plan C offers identical benefits to Plan F but at a lower premium. Unfortunately, like Plan F, it is no longer available to Medicare beneficiaries who became eligible on or after January 1, 2020.
What Is Covered by Medicare Supplement Plan C?
Here's what's covers:
- Medicare Part A deductible
- Medicare Part A coinsurance and hospital costs
- Part A hospice care copayment or coinsurance
- First 3 pints of blood
- Skilled nursing facility care coinsurance
- Medicare Part B deductible
- Part B copayment and coinsurance
- Foreign travel emergency (up to plan limits)
What Is Not Covered by Medicare Supplement Plan C?
- Part B excess charges
- Long term care
- Dental and vision care
- Prescription drugs
- Private-duty nursing
How Much Does Medigap Plan C Cost?
The average price for Plan C in Texas is $162 to $402 per month.
Medicare Plan C rates can be confusing because each insurance company sets its own Medigap Plan C rates.
The first stage in finding the best rates is to compare the insurer's pricing method. The pricing method affects your future monthly premiums. Health insurance providers use one of three ways:
- Community-rated is when everyone pays the same premium when they buy the policy. Age does not affect the premium amount.
- Issue age involves your age when you buy the Medigap policy. For example, a 65-year-old will have a lower monthly premium than a 75-year-old. Both premiums might increase in future years due to inflation or other economic factors, but increases aren't related to age.
- Attained age bases monthly premium calculations on your current age. Under this method, your monthly premium will increase yearly because you're getting older. This is critical to consider because a monthly premium that's affordable when you're 65 might become costly when you reach 75.
Which Companies Offer Medigap Plan C?
We've established relationships with nearly all insurers offering Medicare Supplement Plans. Over time, our insurance agency has come to appreciate working with the following companies:
We consider these three insurers to be the best Medicare Supplement insurance companies to work with because of the competitive Medicare Supplement Plan C rates they offer. In addition to competitive rates, they also have an excellent history in the healthcare field:
- Solid financial strength
- Sound ratings
- Longevity
- Long-term stability
- Focus on customer satisfaction
If you are having trouble deciding, feel free to give us a call. Our licensed agents are here to assist you in the education process. We'll also help you compare rates, benefits, and coverage to see if it's the best fit for your needs.
Am I Eligible?
To be eligible, you must be at least 65 years old and enrolled in Medicare Part B.
When Can I Enroll?
Here's a quote taken directly from medicare.gov that explains the new changes to Plan F:
As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. If you already have either of these two plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you can 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 (Plan C or F).
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
In 2024, the typical monthly cost for Medicare Supplement Insurance Plan C is $162 - $402.
You can change at any time, but if you do not have a guaranteed issue circumstance or are outside of your Medigap Open Enrollment Period, in that case, you can be denied coverage if your health conditions cannot pass the underwriting process.
Medicare Part C is a Medicare Advantage plan that is a separate program altogether. Medigap Plan C is intended to assist with paying some of the out-of-pocket costs associated with Original Medicare.
If you become eligible for Medicare on or after January 1, 2020, you cannot sign up for Plans F or C because of a new federal law.
If you do not have a guaranteed issue circumstance or are outside of your Medigap Open Enrollment Period, in that case, you can be denied coverage if your health conditions cannot pass the underwriting process.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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