What Is Medigap Plan C? What You Need to Know

Medigap Plan C is no longer available for new enrollees, but Plan D is a nearly identical alternative.

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Medigap Plan C is one of 10 Medicare Supplement Insurance plans that assist with some out-of-pocket expenses not met by Original Medicare.

However, Plan C is no longer available to most new enrollees. If you're new to Medicare and aren’t eligible for Plan C, there are other Medigap alternatives for you.

How it works

After Medicare pays its approved amount, your Medigap coverage takes effect. These plans typically assist with copayments, coinsurance and some deductibles not covered under your Original Medicare policy. You must be enrolled in Medicare Parts A and B to be eligible for a Medicare Supplement plan (it’s not available to Medicare Advantage enrollees).

Like Medigap Plan F, Plan C is no longer available to Medicare beneficiaries who became eligible on or after Jan. 1, 2020. If you already had Plan C before that date, you can keep your plan, and if you were eligible for Medicare before Jan. 1, 2020, but aren't yet enrolled, then you may still have the option to buy Plan C.

What Medigap Plan C covers

Medigap Plan C covers the following, according to Medicare.gov:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.

  • Part A deductible.

  • Part A hospice care coinsurance or copayment.

  • Part B coinsurance or copayment.

  • Part B deductible. (Since 2020, new Medicare members can’t buy any plan that covers the Part B deductible. However, this coverage is available for Medicare beneficiaries currently enrolled in Medigap Plan C and Plan F.)

  • Skilled nursing facility care coinsurance.

  • Blood transfusion (first three pints).

  • Emergency health care services for the first 60 days when traveling outside the U.S.

What Medigap Plan C doesn't cover

The only benefit Medigap Plan C doesn’t cover that’s included in some other Medigap options is Medicare Part B excess charges (when a provider charges you more than Medicare’s approved amount).

Additionally, Medigap Plan C doesn’t cover the following, nor do any Medigap plans sold to new Medicare members:

  • Prescription drugs.

  • Long-term care.

  • Dental care.

  • Vision care.

  • Private-duty nursing.

Medigap Plan C alternatives

If you aren't eligible for Medigap Plan C, but want similar benefits, Plan D is the closest option. Medigap Plan D covers all of the same benefits as Plan C except for the Part B deductible, since that coverage can’t be sold to new members anymore.

Compare the coverage of available Medigap plans to see what might work for you.

All Medigap plans are sold by private companies. They're federally regulated and standardized across all states, except Massachusetts, Minnesota and Wisconsin.

To find out what Medigap Plan D or other alternatives would cost you, visit Medicare.gov.

The best time to enroll in Medigap is during your Medigap open enrollment period — a six-month window that begins once you’re 65 years old and enrolled in Medicare Part B.

Policies are typically cheaper during this period because companies aren't allowed to consider your current health or medical history when writing the initial policy. After this enrollment period, your health status can be taken into account, and companies can charge more for the same coverage or deny coverage outright.

If you have questions about Medicare, visit Medicare.gov or call 800-633-4227 (TTY: 877-486-2048).

Get details on Medicare Supplement Insurance options

Coverage

Medigap Plan

Basic benefits

Basics plus some extras

Medigap Plan B.

Medigap Plan M.

Highest coverage

Lower premiums, but higher copays

Lowest premiums — partial coverage

Medigap Plan L.

No longer for sale to new Medicare members

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