Medigap Plan C provider supplemental coverage on the basic Medicare benefits, 100 percent coverage of the Plan A deductible, 100 percent coverage of Plan B deductible, 100 percent of skilled nursing coinsurance and foreign travel emergency coverage. In short, it covers all the Medicare-approved health care expenses. It does not cover Part B excess charges which some physicians might bill you over the Medicare rate.
The plan covers the cost of everything that your Original Medicare plan does not cover expect for Part B excess charges. C takes care of everything, you won’t have to pay coinsurance or copayment of Medicare Part A and Part B.
Keep in mind that Part B charges will apply if you are not using a non-participating provider. The charges may be up to 15% over the amount non-participating providers are paid for.
When to choose Plan C?
Choose plan C when you are looking for a comprehensive coverage to cut your health care costs and you don’t want to accrue the excess charges of Part B.
When to avoid Plan C?
Don’t choose Medigap Plan C if you are looking for support for Part B excess charges. The premium cost for Plan C varies from one carrier to another. The out of pocket expenses will be lower in the case of Plan C.
About Medigap Plan D
Medigap Plan D is yet another comprehensive policy that covers the expense that your original Medicare does not cover. However, it is not as comprehensive as Plan C, G or F. It does not cover the part B deductible or original Medicare. For a person who has to visit the doctor often, this plan may not be the best.
Plan D provides basic Medicare benefit, 100 percent of the Medicare Part A deductible, 100 percent of nursing coinsurance and foreign travel emergency coverage. However, it doesn’t cover Medicare Part B deductible. Plan D slightly covers fewer benefits than Plan C, G, and F.
When to choose Plan D?
Plan D is for you if you are looking for fuller coverage but you don’t expect to visit the doctor often or don’t need constant Medicare services.
When to avoid Plan D?
Plan D is not the right choice for if you think you will need frequent trips to the doctor or you will need outpatient services regularly.
The premium cost for Plan D is more than A and B, of course but it is less expenses than C, F, and G.