Medicare Supplement Plan C is comprehensive coverage, covering nearly all the gaps in Medicare, the only exception being Part B excess charges. In states like Connecticut, Medigap Plan C is popular because excess charges are not allowed.

To be eligible for Plan C, you must have been eligible for Medicare before January 1st, 2020.

What is Medicare Supplement Plan C?

Like other Medicare Supplement policies, Medigap Plan C was designed to help cover some of the costs Original Medicare leaves you responsible for paying.

This plan is popular because it covers many of the costs associated with Medicare. We know Plan C doesn’t cover the excess charges, but let’s look at what the policy will cover.

What Does Medigap Plan C Cover?

Medicare Supplement Plan C will cover the Part A hospital coinsurance up to an additional 365 days after Medicare benefits are exhausted. Plan C covers the Part A Hospice coinsurance or copayment.

The Skilled Nursing Facility care coinsurance has coverage. Also, the Part A and Part B deductibles are covered by this policy. Part B preventative care coinsurance has coverage on the Plan C.

The policy will cover the Part B coinsurance or copayment. Also, Plan C covers the first 3 pints of blood in a calendar year.

If you’re someone that travels internationally, there is foreign travel emergency coverage up to the limits of the plan.

Who is Eligible for Medicare Supplement Plan C?

If you have Original Medicare Part B and were eligible for Medicare prior to 2020, then you’re eligible to enroll in Plan C. Those not eligible for Medicare until after 2020 can’t enroll in this plan.

If you’re not eligible for Plan C, other plans to consider would be Plan G or Plan N.

How Much Does Medigap Plan C Cost?

Medicare Supplement Plan C could cost somewhere between $120 to $220 monthly. But the cost of a Medigap policy varies depending on many different factors.

If the premium is a concern, consider comparing quotes with one of our licensed Medicare Specialists that can help you identify the policy that provides the most value for your situation.

Medigap Plan C vs Medicare Part C

Medigap Plan C is not a Medicare Part C, these two policies are very different. Medicare Supplement plans are insurance that is combined with Medicare. Medicare Advantage plans are an alternative to Medicare.

Medigap plans don’t include Part D, and sometimes Medicare Advantage plans do include Part D. Next, premiums on Part C tend to be lower than Plan C, but the out-of-pocket expenses are much higher with a Medicare Advantage plan.

Medicare Advantage plans are especially expensive if something catastrophic happens to your health.

Medigap plans give you the freedom to go to any doctor that accepts Medicare, Part C plans require you to stay in-network, in most cases.

Who Should Choose Plan C?

You should consider Plan C if you travel frequently, require specialist or doctor visits regularly, or if you have a fixed budget.

Plan C provides you with emergency foreign travel coverage. The plan lets you see any doctor or specialist that accepts Medicare, with no copayments. And the premium is a predictable amount- instead of paying for services as you need them.

Is Plan C discontinued?

Yes, Plan C was discontinued for those that are newly eligible for Medicare. Those eligible before 2020 can still enroll in Plan C.

How to Get a Quote for Medicare Supplement Plan C

Even though Plan C has been discontinued for newly eligible beneficiaries, companies are still offering this policy across the nation. Many of the companies offering this insurance, are companies that may have provided you with employer group coverage.

Yet, there may be lesser-known, top-rated carriers that can provide you with stable Medigap insurance.

Working with a Medicare specialist can save you time and money. Give us a call today at the number above to compare prices on Medigap Plan C with different insurance companies.

Quotes can be given over the phone and only take a few minutes. You can also fill out an online rate form to get started now.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.