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What Is Medicare Supplement Plan C?

In general, Medicare Supplement (Medigap) plans can help you significantly reduce or eliminate your bills so that you can focus on getting quality healthcare when you need it.  Medicare Supplement Plan C covers most of the out-of-pocket costs left from Original Medicare that you’d otherwise be responsible for. However, many carriers don’t offer Plan C, and you may not be eligible to purchase it.

If you didn’t become eligible for Medicare before January 1st, 2020, you won’t be able to apply for Medigap Plan C. You can confirm when you became eligible by looking at the Part A start date on your Medicare card. However, if you can’t get Plan C, you have other options. Medigap Plan G offers similar coverage, and is typically available at a lower premium than Plan C. Because of this, it may be a better option for you regardless of whether or not you’re eligible for Plan C.

What Does Medicare Supplement Plan C Cover?

Medigap Plan C covers most of the remainder of the bill for services that Medicare covers, but doesn’t pay for in full.

Plan C covers the following:

  • Medicare Part A Coinsurance and Hospital Costs
  • Medicare Part B Coinsurance and Copayment
  • Blood (First 3 Pints)
  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Foreign Travel Emergency (up to plan limits)

What Does Medicare Supplement Plan C Not Cover?

The only expense that Medigap Plan C doesn’t cover is Medicare Part B excess charges. Medicare determines how much it will pay for a service, test, or item, which is known as Medicare assignment. Your healthcare provider can decide to apply an excess charge of up to an additional 15% on top of the Medicare assignment for the service they performed. Most providers don’t charge this fee; however, if they do, you’d be responsible for paying for it yourself with Plan C.

Should I Choose Medicare Supplement Plan C?

Everyone’s situation is unique. Before you choose Plan C, it may help to compare coverage and premiums to similar plans, such as Medigap Plan F or Medigap Plan G.  We recommend that our clients select a plan that will give them peace-of-mind about their health, so that you don’t put off essential appointments or services for fear of being hit with a bill.

Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

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