The Plan C is a very popular Medigap plan. It provides all the benefits and coverage of the Plan F with the exception of not covering the excess charges under the Original Medicare Part B. The key features and benefits of the Medicare Supplement Plan C and its suitability to the customers are provided below:
Features of Plan C
The Plan C covers the entire cost pertaining to the Medicare Part A coinsurance. It covers the Medicare Part B coinsurance and copayments. The customers are also covered for up to the first three pints of blood for medical procedures. The customers are provided 100% coverage pertaining to Part A hospice care coinsurance and copayments. It covers the coinsurance for medical care provided by the skilled nursing facility (NCF). The Plan L of the Medicare Supplement plan covers 100% of the Medicare Part A deductible. Plan C along with the Plan F is the only plan to cover the deductible for Medicare Part B. The 2019 Medicare Supplement Plan C also provides coverage against international healthcare expenses. It covers the customers during overseas travel and provides 80% of the total emergency healthcare expenses when the customer travels to foreign country. The customers need to pay a deductible of $250 before availing the benefits of international emergency healthcare expenses.
The Medicare Supplement plan C does not cover the Original Medicare Part B excess expenses. The Medicare has fixed rates for different Medicare-approved services. If a doctor does not accept Medicare Assignment, then as per law, he/she can charge a maximum excess of 15% over the Medicare-approved rates. The policyholders of the Medicare Supplement Plan C have to pay the excess Part B expenses as out-of-pocket expenses.
Is it Suitable for Customers?
The Plan C is the most popular Medicare Supplement plan in the United States after the overwhelming favorite Plan F. In the year 2014, 10% of the total Medicare Supplement plan sales consisted of Plan C. It is one of the most comprehensive Medicare Supplement plans providing complete coverage against copayments, coinsurance, and deductibles. The Plan C is suitable for customers who would be needing intensive and frequent medical care. The Plan C provides peace of mind to the customers and they do not need to worry on any out-of-pocket expenses except for the Part B excess charges. The Plan C monthly premiums are on the higher side, but if the customers can afford it, then they can definitely opt for Plan C which will provide them comprehensive coverage.