Medigap Plan C

What Are the Benefits of Plan C?

Plan C delivers excellent benefits for those who became eligible for Medicare before 2020:

• Medicare Part A copayments for inpatient hospital care — up to an extra 365 days after your Medicare benefits run out
• Medicare Part B copayment
• First 3 pints of blood
• Part A hospice care copayment
• Medicare Part A deductible
• Medicare Part B deductible
• Skilled nursing facility coinsurance
• Foreign Travel Emergency — up to plan limits

Plan C Eligibility and Enrollment

Beyond the note above, buying a Medigap policy involves certain eligibility rules:

• You must have Original Medicare A and B, and you can't hold both Medigap and Medicare Advantage.
• A Medigap policy covers just one person, so your spouse would need to buy a separate policy.
• Insurers aren't legally obligated to sell Medigap plans to people under 65. If you're under 65 and on Original Medicare, the policy you want may not be available to you.

If Medigap interests you, your first chance to enroll is during Medigap Initial Enrollment—a six-month period that begins when you turn 65 and sign up for Medicare Part B. Miss this window, and you may not be able to get the plan you want, or it could cost more.

How the Companies Charge You

Every Medigap policy carries a monthly premium, and the exact amount can vary from plan to plan. Insurers can price their premiums in one of three ways:

• Community rated — Everyone who buys the plan pays the same monthly amount regardless of age.
• Issue-age rated — Premiums are based on your age when you first buy the plan. Buy younger and your premium is lower, and it won't rise as you age.
• Attained-age rated — Premiums are based on your CURRENT age, so your premium increases as you get older.

If you're considering a Medigap plan, compare several policies offered near you. That helps you understand how premiums are set and gives you a sense of what you'll pay for the policy.

Let Us Help.

Quottes specializes in Medicare Supplement insurance, along with Medicare Advantage and prescription drug plans. We're professional. We're experienced. And most of all, we treat our clients the way we'd treat our own family.

We'd be glad to answer your questions, provide quotes, and help you make an informed decision that fits your health and financial needs. When you're ready to get started, reach out to us online or call 941-894-6460.