Medigap Plan C: Medicare Supplement Insurance

Medigap Plan C

What Is Medigap Plan C?

Medigap Plans

Medigap Plans

A

B

C

D

F

G

K

L

M

N

Part A hospital coinsurance

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

365 hospital reserve days

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B coinsurance/copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood benefit (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Hospice coinsurance/copay

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility coinsurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel benefit

No

No

80%

80%

80%

80%

No

No

80%

80%

Out-of-pocket limit

N/A

N/A

N/A

N/A

N/A

N/A

$6,940

$3,470

N/A

N/A

2023 Data – Table Source

Medicare supplement Plan C offers coverage for your primary medical expenses above the basic benefits. This plan offers the basic coverage of Plan A and more, however, it does not cover Medicare Part B excess charges as do the more comprehensive Plans F and G.

Plan C provides coverage for the basic benefits, which include hospitalization, medical expenses, and blood coverage for the initial three pints annually. Hospitalization includes coverage for your Medicare Part A coinsurance up to an additional 365 days after Medicare benefits are used up. Medical expenses include paying coinsurance for Medicare Part B, or co-payments for hospital outpatient services.

Plan C also includes Skilled Nursing Facility care, the Part A and B deductibles, and emergency services during travel abroad. Part A hospice care coinsurance or co-payment is also included in Plan C.

Even though Plan C coverage does not include excess charges from Medicare Part B, it does pay all of the approved costs of your services. Under Plan C, coverage is limited to Medicare-approved charges. This means that you may be responsible for paying additional out-of-pocket expenses if your doctor charges more than the Medicare approved amount.

As of January 1, 2020, new Medicare beneficiaries may no longer enroll in Medigap Plan C. Current enrollees can, however, keep their plan.

It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare Supplement Plans. Most insurance carriers offer a variety of plans, and our licensed sales agents can help you shop around for the plan that best fits your needs. Or, do a bit of research on your own with our Find a Plan tool. Just enter your zip code to start comparing Medigap plans in your area.

Kolt Legette
Since 2003, Kolt Legette has helped clients navigate the often-confusing world of insurance. His number one goal is protecting the medical and financial wellbeing of every person he speaks with, whether they choose to buy insurance or not. Kolt loves representing the best brands in medical insurance as it allows him to provide side-by-side comparisons for his clients. This allows the client to decide which company works best for them. By putting the needs of the client above everything else, Kolt helps real people find affordable health insurance solutions for their most pressing healthcare needs. With his belief that peace of mind is priceless, Kolt's goal in every interaction is to make sure each person he speaks to leaves with the peace of mind they rightfully deserve.

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