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CMS Medsup Comparison Chart

There are 10 Medigap plans from which to choose, and Medicare Supplement Plan C is among the most comprehensive. While it doesn’t cover quite as many out-of-pocket costs as Plan F, it’s still a plan to consider, especially if you like to travel internationally.

Medigap Plan C Vs. Medicare Part C

It’s easy to confuse Medicare Supplement Plan C and Original Medicare Part C. They’re entirely different products.

Original Medicare Part C, also called Medicare Advantage, is a separate insurance policy that covers Original Medicare Parts A, B, and sometimes D. It’s similar to a regular HMO or PPO, like what you might get through employer-provided coverage.

Medicare Supplement Plan C, on the other hand, is a Medigap plan. It’s an insurance policy that’s separate from Original Medicare Parts A and B and is designed to fill in the gaps that Medicare doesn’t cover.

Medicare Supplement Plan C Leaves Only Two Gaps

If you want your Medigap plan to cover as many out-of-pocket expenses as possible, consider Medigap Plan C. It leaves only two small gaps in coverage:

  • Original Medicare Part B Deductible: You’ll still have to pay your Part B deductible if you have Plan C. In 2018, the deductible is $183.
  • Original Medicare Part B Excess Charges: Some physicians and healthcare facilities charge slightly more than Original Medicare will cover. With Medicare Supplement Plan C, you’ll have to pay those excess charges out-of-pocket.

Only Medigap Plans F and G cover more than Medicare Supplement Plan C. Plan F covers both the Part B deductible and the Part B excess charges, while Plan G covers the excess charges.

When comparing Medigap plans, consider the potential savings involved. For instance, Medicare Supplement Plan C might have a higher premium than other plans with limited coverage, but you’ll enjoy fewer out-of-pocket expenses.

Applying For Medicare Supplement Plan C

You become eligible for Plan C during the month in which you turn 65 and have Medicare Part B. You’ll have six months to apply for Medigap Plan C if that’s the plan you want. This is called your initial enrollment period (IEP).

During the IEP, insurance companies are required to give you their best rates. They can’t deny you coverage or alter your premiums based on anything other than age, gender, geographical location, and tobacco use.

If you apply for any Medigap plan, including C, after your IEP, you become subject to underwriting. At this time, insurance companies can refuse to offer coverage or increase your premiums based on pre-existing conditions.

If you’re interested in Medicare Supplement Plan C, use Ensurem’s Medigap Quoter to get free quotes from insurance companies that offer it in your area. You can also compare Medigap Plan C to other plans based on their premiums.

L Medigap supplemental plan.
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