Medicare advantage plans are there to help you cover for expenses that won´t be covered by Medicare plan A or Medicare plan B. One of the 10 available plans is the advantage plan C. Here is what Medicare Advantage Plan C is all about! Find out whether it´s the right advantage plan for you or not!
What It Covers
The benefits of 2019 Medicare advantage plan C are many! It is one of the Medicare advantage plan C that covers for almost all of the expenses. The benefits of this advantage plan, are:
- Coverage for part A hospital insurance expenses
- Coverage for additional hospital days (up to 365 days)
- Coverage for the expenses of getting the first three pints of blood (Medicare plan A and B cover for the rest)
- Coverage for the expenses of Medicare Plan B coinsurance
- Coverage for the expenses of hospice coinsurance
- Coverage for the expenses due to skilled nursing facilities
- Coverage for the part A deductible
- Coverage for the part B deductible
- Coverage for expenses of preventive care coinsurance
- Coverage for travel insurance
What It Doesn´t Cover
There is only one expense that isn´t being covered by Medicare advantage plan C. This is the expense of the Medicare Part B excess charges. Yet, this can also be avoided and you might end up not having to pay any excess charges at all. Avoiding these charges is actually not as difficult. All you need to make sure is, that you´re visiting only doctors who will charge you what Medicare advantage plans cover. And there are many health providers who do! Excess charges are costs of health providers who will charge you over what is being covered by your advantage plan.
When it comes to this advantage plan, it is worth knowing that it won´t be available for much longer. New law has been passed, which prohibits health insurance companies from offering plans that cover for the part B deductible. This is why starting on January 1st, this plan will not be available to new members. Those who enroll to this plan before 2020 can still continue using its benefits.
The part B deductible is a yearly amount of 183$. Due to the new law being passed, many are choosing not to enroll to this plan or change on another one. The predicament is, that once the plan has less and less members, the premium rate for it will increase. The health insurance companies have said, that this is not to be expected and that if there is an increase, it will be a minimal one. Only the future will tell what will happen to the premium rate of this plan, however until now, it has been a favorite, as it covers for almost everything, yet costs less than a plan who cover for the Medicare Part B excess charges. One of these plans is the advantage plan F, which covers for the excess charges but also has a higher premium rate.