October 6, 2016
Medicare Supplement (Medigap) plans are offered by private insurance companies and can help you pay for out-of-pocket costs for services covered under Original Medicare (Medicare Part A and Medicare Part B).
Medicare Supplement (Medigap) Plan C Benefits
Medicare Supplement Plan C offers benefits that include the standard benefits provided through Medicare Supplement (Medigap) Plan A as well as additional coverage. Out of the standardized Medicare Supplement plans, only Medigap Plan F provides more benefits.
Medicare Supplement (Medigap) Plan C benefits include:
- Medicare Part A hospital coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance payment or copayment
- Medicare Part B copayment or coinsurance payment
- Part B preventive care coinsurance payment
- First three pints of blood for a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance
- Medicare Part A deductible costs
- Medicare Part B deductible costs
- Foreign travel emergency coverage (up to plan limits)
Please note that Medicare Supplement (Medigap) Plan C does not cover Medicare Part B excess charges. Medicare Part B excess charges are provider expenses that exceed Medicare’s allowed payment for the service with the difference being charged to the patient. For example, if a doctor charges 115% of the amount Medicare allowed amount for a procedure, you would be responsible for the remaining 15% left after the Medicare reimbursement amount is subtracted. Because Medicare Supplement Plan C does not offer coverage for the 15% excess charge, you would have to pay for it yourself.
Insurance companies are required to provide Medigap Plan A if they wish to provide Medigap plans at all, and, if they wish to provide more than Plan A, they must provide either Plan C or Plan F. Whether or not an insurance company offers Medigap Plan C differs by carrier and state. Medicare Supplement Plan C may offer the second most comprehensive level of benefits among the standardized Medigap plans (the first being Medigap Plan F). Be aware that premiums and other out-of-pocket costs may differ between insurance companies, so it is best to shop around to find the right plan for your needs.
If you’d like to see all the differences between Medigap Plan C and the other standardized Medicare Supplement plans, please use our Medigap plan benefit chart.
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.