Texas Medigap Plan C – Benefits and Coverage
|Medigap Plan Benefits||Plan C|
|Medicare Part A Coinsurance & Hospital Costs – up to an additional 365 days after Medicare benefits are used up||X|
|Medicare Part B Coinsurance or Copayment||X|
|Blood (First 3 Pints)||X|
|Part A Hospice Care Coinsurance or Copayment||X|
|Skilled Nursing Facility Coinsurance||X|
|Medicare Part A Deductible||X|
|Medicare Part B Deductible||X|
|Medicare Part B Excess Charges|
|Foreign Travel Emergency (up to plan limits)||80%|
Texas Medigap Plan C covers all the Medicare copays and coinsurances that you would normally be responsible for except for the Part B Excess Charges. This makes it one of the most comprehensive Medicare supplements. Only Plan F has more coverage. However, Plan C and Plan F will begin to be phased out in 2020. Since Plan C covers the annual Part B deductible, it will no longer be available to new Medicare enrollees as of 2020. Both Plan C and Plan F will still be available to beneficiaries who had Medicare prior to year 2020.
An Excess Charge occurs when the amount that a doctor or other health care provider is higher than the Medicare-approved amount. The provider may charge up to 15% more than Medicare’s assigned rates. People on Texas Medigap Plan C are responsible to pay this excess charge.
You can avoid excess charges by asking your providers if they accept Medicare assignment. Treat only with those that do.
Plan C is one Medigap option that you can use to cover some of the gaps in Medicare. Be careful not to confuse it with Medicare PART C, which refers to Medicare Advantage plans. These are two different things.
Our family-owned agency can help you with Texas Medigap Plan C information such as monthly premiums for each carrier. We also provide financial ratings and an analysis of the carriers’ rate increases.