Medigap Plan C Details

Find out how Medigap Plan C works and what it covers

by Senior 65+ on Oct 28, 2015 | 2 Comments

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Medigap Plan C Overview

Medigap Plan C is one of the federally regulated Medicare Supplement Insurance plans that fill in the gaps of Original Medicare. Medigap plan C covers all but one of the Medicare Supplement benefits available, which is excess charges.

Remember Medicare Plan C plans are designed to complement Original Medicare Part A and Part B.  Below is a list of what you would pay under Original Medicare alone, and then what you would pay if you purchased Medigap Plan C. 

Medigap Plan C Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan C
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,408* You pay $0
Hospital days 61-90 You pay $352 per day per day You pay $0
Hospital Days 91-150 You pay $704 per day per day (lifetime reserve days) You pay $0
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0
Skilled Nursing Facility Care Days 21-100 You pay $176 per day You pay $0
Hospice Respite Care You pay 5% You pay $0
First 3 Pints of Blood You pay 100% You pay $0
Additional Blood You pay $0 You pay $0
Part B Annual Deductible You pay $198 You pay $0
Ambulance You pay 20% (Part B deductible applies) You pay $0
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay $0
Part B Excess Charges You pay 100% (Part B deductible applies) You pay 100%
Foreign Travel Emergency You pay 100% You pay 20%***
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay $0
Urgent Care You pay 20% (Part B deductible applies) You pay $0

Next Steps for Medigap Plan C

Get quote: Click here to see prices for Plan C
Check out Medigap Plan Detail Overview where you can find every Medigap Plan available.

The fine print of the Medigap Plan C Chart Above

*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,408).
***Foreign Travel Emergency requires a deductible of $250. You will have to have your emergency within the first 60 days of travel, and the plan has a lifetime coverage amount of $50,000.
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Reader Comments and Questions

By Lynn on August 11, 2019

We have original Medicare and Tricare for Life. Will we be affected by the Medicare changes for 2020?

Since you already have Medicare that means you will not be affected by the changes in 2020. Check out article on Plan F and C 2020 rules to learn more.
-Chris from

By Petey on March 25, 2016

While C covers a lot, it does not cover those pesky excess charges, and it's usually only a dollar less than F, and sometimes I've seen it for more money than F. Why would someone go with C?

We know exactly what you mean! Medigap Plan C surprisingly can cost almost the same, if not more than Plan F in some cases. This, of course, is not always the case, and we can help you with that research. With that said, because of those pesky excess charges, we recommend that you choose Medigap Plan G or F, so that you are not surprised by out unforeseen out of pocket costs. To learn more about plans in your area, call one of our licensed independent insurance agents at 800-930-7956.
-Michelle from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

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