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Medigap Plan C

Medigap Plan C is a highly sought-after Medicare supplement due to its extensive coverage of expenses not covered by Original Medicare, which includes Parts A and B, except for excess charges associated with Part B. As with other Medigap plans, the purpose of Plan C is to assist with out-of-pocket costs associated with Medicare, making it one of the most comprehensive options available among Medicare Supplement plans.

Medigap Plan C Coverage Benefits

Plan C is a highly comprehensive Medigap plan that covers almost all healthcare expenses. The only cost not covered by Plan C is the Part B excess charges. However, in states where excess charges are not allowed (known as MOM states), this lack of coverage is not a concern. Plan C is considered a first-dollar coverage plan, meaning it pays for healthcare expenses immediately without requiring you to pay any deductibles or copayments out-of-pocket first.

Medigap Plan C Covers:

  • Part A coinsurance and up to an additional 365 days of hospital costs after Medicare benefits are exhausted
  • Part B coinsurance/copayment
  • Blood (3 pints)
  • Part A hospice coinsurance/copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • 80% of foreign travel exchange
  • No out-of-pocket limit

Medicare Supplement Plan C Eligibility

Individuals must already be enrolled in Medicare Parts A and B to be enrolled in any Medicare supplement plan. Those who would like to enroll in Plan C must have been eligible for Medicare prior to January 1, 2020.

Individuals Who Benefit from Plan C

Plan C is a great option for Medicare beneficiaries who semi-frequently visit the hospital or doctor’s office, like to travel outside of the United States, and who can afford a higher monthly.

Medigap Plan C Premiums

Individual premiums will vary based on which state the individual is seeking coverage in, which carrier they’re purchasing from, and also individual factors like gender, age, tobacco use, and a few other details. The average cost for Plan C ranges from $115-$220 each month. In general, Plan C premiums are higher in states who have a higher cost of living.

Has Plan C Been Discontinued?

Yes, all first-dollar coverage plans were discontinued beginning on January 1, 2020. Plan F was also discontinued. CMS no longer allows any Medigap plan to include first dollar coverage. Beneficiaries who were already enrolled or who turned 65 prior to January 1, 2020 are still eligible for this plan.

How to Compare

Medigap Plan C Rates

Obtaining accurate quotes for each plan may be a daunting task, but you can seek the assistance of a licensed Medicare agent. Our agency offers a service that compares premiums across multiple carriers, so you don’t have to call each insurance company to get a quote. We will need some personal and health information to provide you with accurate quotes, but our services come at no extra cost to you. Additionally, if you decide to enroll in a Medigap plan through our agency, we provide unlimited support. We are here to assist you with any issues you may have with your coverage or if you have any questions about how your plan works.

Comparing Plan C & Plan G

Plan C and Plan G are both Medigap plans that provide coverage for most of the out-of-pocket expenses not covered by Original Medicare. The main difference between the two is that Plan C covers the Medicare Part B deductible while Plan G does not. However, it’s worth noting that Plan C is no longer available to those who turned 65 after January 1, 2020. Additionally, Plan C is typically associated with higher premiums compared to Plan G.

Medigap Plan C Versus Medicare Part C

While this can be confusing, “parts” and “plans” are different components of Medicare. Medicare “parts” refer to the benefits provided by Original Medicare, including Parts A and B. Medicare “plans” refer to alternative coverage options, such as Medicare Advantage plans, which provide benefits beyond what is covered by Original Medicare. Medigap Plan C is a supplemental insurance plan that can be purchased to help fill the gaps in coverage of Original Medicare (Parts A and B).

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