Medicare Supplement Plan C can sometimes be confused with Medicare Part C, known as Medicare Advantage, but the two are quite different despite their similarity in name. Medicare Supplement Plan C provides coverage for most out-of-pocket expenses that are not usually covered with Original Medicare. However, many insurance carriers do not offer this plan.
Coverage for Plan C
Medicare Supplement Plan C will cover most out-of-pocket expenses, such as copayments and coinsurance requirements, and cover 100% of the costs associated with:
Coinsurance payments (Medicare Part A) for inpatient hospital care up to an additional year after the Medicare benefits have been used up
Copayment or coinsurance expenses for Medicare Part B
First three pints of blood used in a medical procedure
Hospice care coinsurance expenses or copayments for Part A
Skilled nursing facility care coinsurance
Foreign travel emergency costs
What is not covered by Plan C?
Medicare Supplement Plan C does not cover excess charges for Medicare Part B. The excess charges come from healthcare providers who are not involved with Medicare and can charge you up to 15% more than the Medicare allowable amount. This will need to be paid out-of-pocket. If you have Plan C or are eligible for it, it would be in your best interest to find a healthcare provider who accepts Medicare assignment so you cannot be billed extra.