USAA Life Medicare Supplement Plan C for Michigan is one of the most complete of the ten standardized Medicare Supplements. In fact, only Plan F offers more health insurance coverage. Plan C is similar to Plan F in that it fills the gaps on most of Medicare's approved expenses.
Two things go uncovered by a Plan C policy. The first is Medicare Part B excess charges. These are doctor expenses over what Medicare will pay for a service. When excess charges occur they are charged directly to the patient. The second exclusion is home recovery costs associated with the recovery process after hospitalization.
Plan C covers the following Medicare expenses:
- Medicare Part A hospital coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance payment or co-payment
- Medicare Part B co-payment or coinsurance payment
- Part B preventive care coinsurance payment
- First three pints of blood for a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance
- Medicare Part A deductible costs
- Medicare Part B deductible costs
- Foreign travel emergency coverage (up to plan limits)
Coverage and Costs
USAA Life Medicare Supplement Plan C is comprehensive in its coverage, and it may be a preferable option for those in need of comprehensive coverage. The cost of Plan C varies by insurance carrier, so we recommend that you shop around to find the policy that best fits your budget.
Even though this Plan C is extensive in its coverage, don't over-look what's not covered when you analyze the costs and benefits. If you visit the doctor frequently, Plan F or Plan G may be a better choice.
The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.
The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.
Prescription Drug Coverage
The 10 standardized Medicare Supplements do not cover prescriptions. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Michigan:
|SilverScript Choice (PDP)||$33.50||$0.00|
|Prescription Blue Option A (PDP)||$73.10||$360.00|
|SilverScript Choice (PDP)||$29.10||$0.00|
|AARP MedicareRx Preferred (PDP)||$60.10||$0.00|
|Humana Preferred Rx Plan (PDP)||$29.90||$400.00|
|WellCare Classic (PDP)||$28.90||$405.00|
|Prescription Blue Option B (PDP)||$124.80||$0.00|
|Express Scripts Medicare - Saver (PDP)||$22.60||$405.00|
|First Health Part D Value Plus (PDP)||$56.30||$0.00|
Foreign Travel Coverage
Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you at the level you need.
|Foreign Travel Emergency:|
USAA Life Insurance Co Insurance Rating
USAA Life Insurance Co has a Superior rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 5.0 out of 5 stars (Superior). Use this information as a measure of the financial stability of the insurance carrier when considering USAA Life Medicare Supplement Plan C.
USAA Life Medicare Supplement Plan C is available to all Michigan Medicare beneficiaries, ages 65 and older, enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Medicare Supplement insurance is available from USAA Life Insurance Co in Detroit, Warren, Dearborn, Grand Rapids, Flint, Lansing, Sterling Heights, Ann Arbor, Livonia, Dearborn, Clinton, Westland, Kalamazoo, Southfield, Troy, Pontiac, Taylor, Saginaw, Saint Clair Shores, Waterford, Royal Oak, Wyoming, Dearborn Heights, and most other Michigan cities and locations.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire.com comes directly from Medicare.gov and private sources and is subject to change. The Centers for Medicare and Medicaid Services, the Michigan State Insurance Commission, and USAA Life Insurance Co has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at http://www.usaa.com.
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This Medicare Supplement insurance information is maintained by David Bynon and was last updated on .
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