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.