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 $1,632* You pay $0
Hospital days 61-90 You pay $408 per day You pay $0
Hospital Days 91-150 You pay $816 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 $204 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 $240 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 ($1,632).
***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.