Medicare Supplement Quotes

Medigap Plan C

Written by Evens Stevenson

The costs for health care and adequate medical attention is expensive, and it’s rising every year. For retirees and Medicare enrollees, these expenses can be difficult, especially on a fixed income. This is the most popular reason that many people aren’t getting the healthcare they want and need, is because they can’t afford it. Nobody should ever have to forego healthcare because of the bills they are going to receive.

One of the best ways that you can balance out those costs is by purchasing a Medicare Supplemental Insurance policy. These plans are excellent at providing additional coverage and protect your hard earned savings from being drained by medical bills. If you are in search of a Medicare supplement in Georgia, we can help! If you already have coverage such as Medigap Plan J and have questions, we have answers.medicare supplemental insurance plan c

There is a lot of confusion surrounding these supplemental insurance plans, before we detail Medigap Plan C, there are a few things that we should clear up. The first is, these insurance policies are sold by companies, not the government, although they are regulated by government agencies.

Also, these plans are standardized across the Untied States, which means that regardless of which state you live in (aside from three exceptions) these plans are going to provide the same coverage. This also means that each company is required by law to provide the same coverage. So a Medigap Plan C is going to look identical from company 1 as it does with company 2, but that doesn’t mean that they are going to cost the same. Some companies offer additional benefits and each company is different so they are going to have different premiums.

The demand for Medicare supplement plan C has been quickly rising since it offers some of the best coverage of any of the Medicare supplements.  This article will detail the coverage you receive from Medigap  plan C, but if you came here looking for Medicare supplement quotes then fill out the form on the side of this page.

Added Medicare Coverage

Medigap plan C fills eight of the nine coverage gaps that are left by Medicare Part A and Medicare Part B.  Instead of listing all the gaps we will look at what Medicare plan C does not cover.  The one gap left open by Medicare supplement plan C is that it does not cover any of the excess charges that a provider can levy above the Medicare Part B approved amount.  This means if your personal physician charges more than what Medicare recommends they charge then you are on the hook for the difference.

With every service or treatment that you receive, Medicare has a predetermined amount that they will pay for it. Legally, your doctor is allowed to charge as much as 15% more than that if they think it’s necessary. With Medigap Plan C, it won’t cover any of this additional charges and you will be left to pay for them yourself. In most cases, the 15% isn’t much, and you may never even see any excess charges, but there is a chance that you could be left with hundreds or thousands of dollars.

Any other charges in health care will be covered either by Medicare or by your plan C policy.  This means that Plan C is second only to Medigap plan F (learn more about Medicare supplement plan F).  It is also far better at coverage than Medicare supplement plan B and most of the other Medicare plans.

Why Choose Medicare Supplement Plan C

While there may be Medicare Supplement Insurance plans that provide more in terms of actual benefit options, there are some good reasons to consider Medigap Plan C. One of these reasons is that this particular plan is considered to be one of the most complete of all the plans. What this means is that it provides for enrollees a very nice standardized benefit package in terms of covering many of Medicare’s approved expenses.

There are only two key costs that do not get covered with Medigap Plan C. These include:

  • Medicare Part B’s excess charges
  • Home recovery costs

Medicare Part B’s excess charges can include doctor’s costs that extend beyond what Medicare has allocated for the payment of services. Therefore, when excess charges occur, the remainder of these costs will be charged directly to the Medicare enrollee (i.e., the patient).

As an example, a doctor is allowed to charge up to 15 percent more than the amount that is approved by Medicare. Therefore, the total expense for a patient’s service could essentially be 115 percent. Once Medicare has paid its amount for the reimbursement, the rest of the amount will need to be paid by the Medicare enrollee.

Home recovery costs can include charges that are associated with the process of one’s recovery after he or she has been released from the hospital, such as a rehab program. These charges may also include items such as bandages and supplies, as well as prescription medications.

Overall, Medigap Plan C is a comprehensive plan, and because of that, it could be a good option for individuals who seek more than just the basics when it comes to a Medicare Supplement Insurance plan.

What Do the Medicare Supplement Plans Offer?

The Medicare Supplement Insurance plans offer several different choices in the benefits that are offered. Plan A, which provides the most basic set of core benefits, provides the following set of options:

  • Medicare Part A coinsurance and hospital expenses, up to an additional 365 days after Medicare’s benefits have been exhausted
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Medicare Part A hospice coinsurance or copayment

The other Medicare Supplement Insurance plans can build upon these core benefits. For example, Medigap Plan C provides all of the core benefits that are offered in Plan A, as well as the following options:

  • Skilled Nursing Facility (SNF) coinsurance
  • Medicare Part A deductible amount
  • Medicare Part B deductible amount
  • 80 percent foreign travel emergency – up to plan limits

Medicare Supplement Insurance Plan F is considered to be the most comprehensive of all the Medigap insurance plans. This is because it provides the most in terms of benefit options. For example, in addition to the core options in Medigap Plan A, Medicare Supplement Plan F also provides the following benefits:

  • Skilled Nursing Facility (SNF) coinsurance
  • Medicare Part A deductible amount
  • Medicare Part B deductible amount
  • Medicare Part B excess charges
  • 80 percent foreign travel emergency – up to plan limits

Medigap Plan F is also available in a high deductible version. For those who opt for this particular plan, the enrollee is required to pay all of the costs out-of-pocket until he or she reaches the deductible amount. In 2015, that amount is $2,180. Once this amount has been reached, the Medicare Supplement Insurance plan will begin to pay out its benefits.

Because the Medicare Supplement Insurance plans can differ, it is important to have a good understanding of what each of these options does, and does not, pay for prior to making a final determination on which plan you will ultimately purchase. There are certain Medigap plans that may be a better fit for certain individuals.  If you would like, we can offer a Medicare supplemental quote on any or all plans of your choice.

How to Enroll in Medicare Supplement Insurance

To enroll in Medicare Supplement Insurance, there are several criteria that a person must meet. First, you must be age 65 or over. You must also be enrolled in Medicare Part B, and be a resident of the state in which the Medicare Supplement plan of your choosing is also offered.

There are some individuals who are under age 65. However, that could also qualify for a Medicare Supplement Insurance plan. These individuals must also be enrolled in Medicare Part B, and they must have a qualifying disability.

It is important to enroll in Medicare Supplement during your initial open enrollment period. This period lasts for six months, beginning on the first day of the month in which you are 65 years old – or older – and that you are also enrolled in Medicare Part B.

If you enroll in Medicare Supplement coverage at this time, you cannot be turned down for a plan, nor be charged a higher amount of premium – even if you have an adverse health condition. If, however, you wait until after your initial open enrollment period has expired to enroll, this will not be the case, and you may be charged a higher amount of premium, or you may not qualify for the policy that you want.

If you’ve already missed that six-month window, don’t worry, there is still a great chance that you can get the supplemental insurance coverage you want. Even if you have to pay slightly more every month, you can’t put a price on the peace of mind knowing that you won’t lose all of your savings because of a hospital bill.

How and Where to Obtain the Best Premium Quotes on Medigap Plan C

For those who are looking for the best premium quotes on Medigap Plan C, it is usually a good idea to work with either an agency or a company that has access to more than just one single insurance carrier. That way, you will be able to more directly compare the plans and the premiums for the coverage and to then determine which will work best for you – and for your budget.

When considering Medicare Supplement Insurance plans, we can help. We work with many of the top carriers in the marketplace today, and we can assist you with obtaining all of the important details that you need in order to make an informed decision.

Sure, you could spend hours on the phone talking to different agent and companies, answering the exact same questions over and over, or you can let us do the work for you. We will show you the best rates from the best companies to fit your needs. Let us save you hours of time and frustrating.

Deciding which plan will work best for you isn’t easy. There are several different factors that you have to consider. How is your health? Have you had severe complications in the best or a family history of health problems later in life? Maybe investing in a policy with more coverage is a smarter idea to save you money in the long road. If you are in excellent health with no family history problems, maybe you can take a gamble and get a less extensive plan and save money every month.

Another factor to consider is your finances, especially if you’re living on a fixed income. Can you afford to pay more for a plan that fills in more gaps? Obviously, you need to sit down and take a serious look at how much supplemental insurance you can afford before you decide which ones works better for you. If you are having problems deciding which plan fits your needs the best, our agents would be happy to help.

So, when you’re ready to move forward, just simply fill out the form on this page. You will be able to obtain quick and easy Medicare Supplement Insurance quotes directly from your home computer, and without the need to meet in person with an insurance agent.

If you find that you happen to have any additional questions regarding Medicare Supplement or any of the specific plans or coverage’s, our experts are here to assist you. We can be reached directly via phone, toll-free, by calling 800-376-0824.

We understand that there are many factors to consider when purchasing Medicare Supplement Insurance, and you want to be sure that you’re making the right choice when moving forward. So, contact us today – we’re here to help.


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