|Medigap Plan C Policy Coverage|
|Part A Deductible|
|Part B Deductible|
|Part B Excess|
|Skilled Nursing Coinsurance|
|Foreign Travel Emergency|
Quick Introduction to Medigap Plans
Medigap is a private health insurance policy that is designed to cover medical costs not covered by Medicare programs. It covers many of the costs that people would otherwise have to pay individually such as copayments, coinsurance, and deductibles. There are ten different Medigap plans offered. Any insurance company offering Medigap plans is required to offer Plan A, other plan availability will vary by insurance company and by state. Medigap policies do not cover long-term care such as nursing homes, vision or dental care, hearing aids, eyeglasses or private-duty nursing. This article will deal exclusively with Medigap Plan C covering some of the benefits and other considerations.
More on Medigap Plan C
For Medicare recipients, a Medigap Plan C policy may be the right way to go in order to supplement your health insurance costs. A thorough evaluation of Medigap Plan C will entail what is and isn't covered. The following information is designed to aide your research and decision-making. Understanding Medigap Plan C is crucial to determining if it's the right policy for you.
Medigap Plan C Coverage:
Medigap Plan C policies provide Basic coverage in addition to other benefits. Basic coverage of all Medigap plans includes:
- Medicare Part A Coinsurance, and all costs after hospital benefits are exhausted
- Part A Hospice Care Coinsurance or Copayment
- Medicare Part B Coinsurance or Copayment for other than preventative services
- Blood (first 3 pints). Medicare typically covers all costs associated with blood after the first 3 pints.
- Medicare Preventative Care Part B Coinsurance
In addition, Medigap Plan C policies include coverage for Skilled Nursing Facility Care Coinsurance, which normally has to be paid by Medicare recipients at $144.50 after the first twenty days up to one hundred days is also covered. Plan C policies also cover certain costs associated with Foreign Travel Emergencies, up to plan limits.
Some things Medigap Plan C policies do not cover:
At home recovery costs and items associated with it.
After a patient leaves the hospital they may still need to recuperate from surgery or other injuries. There may still be several health related costs applied to the recovery effort. Doctors will often provide strict instructions to patients that they must follow in order to get back to normal. Often these instructions will incur additional expenses. Medigap Plan C policies do not cover these expenses that aren't covered by Medicare.
Medicare Part B Excess Charges.
Another area where you aren't covered with this plan deals with Medicare Part B excess charges. If a doctor doesn't accept assignment and charges for a bill that is over the limit of what Medicare will pay, then it's considered an excess charge. Medigap Plan C policies will not cover the charge so you must pay it yourself.
Source: Centers for Medicare & Medicaid Services, Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare (2012).
These may or may not be important expenses and limitations, depending on your situation. If a Medigap Plan C policy doesn't meet your needs, consider Medigap Plan D policies.