Medicare Supplement Plan C (Arizona)
By Scott Kerby
Medigap Plan C is a mid-level Medigap plan that goes a long way toward covering your primary medical needs. The monthly cost will be a little bit more than Plan A, but you’ll get the additional security of knowing it’ll cover most of your Medicare-approved medical expenses.
Remember that under Medicare Supplement Plan C, you may still have to pay the difference if your doctor charges more than is allowed by Medicare.
Medigap Plan C (Arizona) provides the 4 basic benefits of Plan A:
1. Coinsurance and hospital costs for up to 365 additional days after Medicare benefits are exhausted.
This applies to those things normally covered by Part A where coinsurance would normally apply: inpatient hospital care, skilled nursing facility care, and long-term care hospitals.
2. Coinsurance and copayments for medical services.
This applies to things normally covered by Part B where coinsurance would normally apply: doctor’s visits, lab tests, surgeries, and ambulance services.
3. The first 3 pints of blood.
In cases where a hospital would have to buy blood for you, this will cover the cost for the first 3 units of blood that Medicare normally does not cover.
4. Coinsurance and copayments for hospice care.
This applies to hospice care under Part A where coinsurance or copayments would normally apply: doctor services, nursing care, medical equipment, medical supplies, and other services determined by your hospice team.
Plan C also provides the following coverages:
5. Coinsurance for skilled nursing facility care.
Should you ever be admitted to a skilled nursing facility, this will cover the expenses for any nursing care or rehabilitative services that you receive on a continuous, daily basis.
6. Your Medicare Part A deductible.
This applies to the hospital-related expenses you’d normally pay before Original Medicare, your prescription drug plan, or other insurance begins to pay.
7. Your Medicare Part B deductible.
This applies to the expenses for medical services you’d normally pay before Original Medicare, your prescription drug plan, or other insurance begins to pay.
8. Foreign Travel Emergency expenses.
Medicare does not cover medical expenses incurred while travelling abroad. Medigap coverage will pay 80% of the billed charges for certain medically necessary emergency procedures while outside of the United States.
There are some limitations, however. Medigap policies have a $250 annual deductible that you must meet. The emergency also has to occur within the first 60 days of your trip. Finally, there is a $50,000 lifetime limit for travel emergency expenses.
Medicare Supplement Plan C (Arizona) provides a good deal of additional Medicare coverage at a reasonable price. However, you might want to consider Medigap Plan F if having the maximum amount of coverage is important to you. You can compare Arizona Plan C and Plan F policies by using the free tool below.