Medicare Plans by Turning 65 Solutions


Medicare Supplement (Medigap) Plan C

Medigap Plan C covers almost all of Original Medicare’s copayment requirements, except for Medicare Part B’s excess charges (if that is not prohibited in your state). It is the most comprehensive plan on the market, but it is no longer available for beneficiaries new to Medicare. If you weren’t eligible for Medicare coverage before the 1st of January 2020 you can no longer purchase this plan. 

What Does Medicare Supplement Plan C Cover?

Medicare Supplement Plan C covers all of the costs associated with:

  • Medicare Part A deductible
  • Medicare Part B deductible
  • Foreign travel emergency
  • Skilled nursing facility coinsurance
  • Part A hospice care copayment
  • Medicare Part B copayment
  • The first three pints of blood used in a medical procedure
  • Medicare Part A copayments for inpatient hospital care for up to an additional 365 days after Medicare benefits are used up

Due to MACRA, no Medigap plans can cover Part B’s annual deductible, and because of that, it is no longer available for new Medicare beneficiaries.

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What Are Medicare Excess Charges?


You may be worried about the fact that Part B excess charges are not covered, but in fact, those are extremely rare. Excess charges are additional fees that some states permit your doctor to charge above what is covered by Medicare. Excess charges are restricted to 15% beyond Medicare limits. However, most doctors don’t impose excess charges. If you think your situation calls for that coverage, there are other Medicare Supplement plans that do provide this kind of coverage. Ron Ray, a licensed Medicare agent, can help you find the right coverage for your healthcare needs. Also, you can easily avoid these charges by checking which doctors in your area accept Medicare Assignment, and most of them do.

Medicare Plan C Cost

With plan C almost all costs that are left by Original Medicare are covered, which gives policyholders peace of mind. However, the only thing that is not covered is Part B Excess charges, but beneficiaries can easily avoid those charges if they look for doctors and hospitals in their area which accepts Medicare Assignment as payment in full. Also, beneficiaries are responsible for paying a monthly premium which can be from 140$ to 420$ per month.

This plan is good for those who want to have peace of mind that they will be covered for most costs for hospital and medical services, and travel abroad very frequently.

Enrolling in Medigap Plan C

t’s easy to purchase a Medicare Supplement policy. Before you apply, you just have to enroll in Original Medicare. Once your Medicare Plan B plan is operating, you have six months to purchase a Medigap policy. This period is called open enrollment, and during it, insurers can’t increase your premiums because of your health. For this reason, it’s best to enroll in a Medigap policy when you are first eligible.

However, you are able to enroll at any time. If you have any questions about Medigap policies or any other Medicare plan, you can call Turning 65 Solutions at 830-468-5896.