Medigap Plan C – Medicare Supplement
|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|
|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%|
2021 data – Table Source
What is Medigap Plan C?
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. 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.