Medigap Plan C – Medicare Supplement

Medigap Plans
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 Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Benefit for Blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility 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 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 $6,620 $3,310 N/A N/A

2022 data – Table Source

What is Medigap Plan C?

Couple worried about the Medical expenses | Medigap plan CMedicare 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. However, Plan C is no longer available to new Medicare beneficiaries, unless they were eligible to enroll in Medicare prior to January 1, 2020.

Plan C includes 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.

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.