Medigap Plan C

Medicare Supplement Plan C is a first-dollar coverage Medicare Supplement (Medigap) plan available nationwide. This is one of the most comprehensive plans available to those with Original Medicare (Part A and Part B), second only to Medigap Plan F.

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However, like Medicare Supplement Plan F, not everyone on Medicare is eligible for Plan C. As first-dollar coverage, Medicare Supplement Plan C begins providing your benefits at the first dollar it spends on Medicare-approved services. Thus, your out-of-pocket costs are as low as possible with this plan.

Below, we review Medicare Supplement Plan C benefits, eligibility, price, and more.

What is Medicare Supplement Plan C?

Medicare Supplement Plan C is the second-most comprehensive Medigap plan of the twelve lettered Medicare Supplement plan options, which includes two high-deductible options. Medigap Plan C reduces your out-of-pocket spending by covering the costs Original Medicare leaves behind. Medicare Supplement Plan C covers most Medicare-approved expenses except for excess charges.

Excess charges are the only benefit Medicare Supplement Plan C does not cover, making it the ideal choice for someone who frequently sees the doctor and lives in a state that does not allow excess charges.

Who is Eligible for Medigap Plan C?

Anyone eligible for Original Medicare before January 1, 2020, can enroll in Medicare Supplement Plan C. If you were not Medicare eligible during this time, you cannot enroll in Plan C.
Medicare Supplement Plan C is Great for Seniors Who:

  • Frequently visit the doctor and/or hospital
  • Travel overseas
  • Live in a state that does not allow excess charges
  • Are switching to another Medigap plan with guaranteed issue rights outside of their Initial Enrollment Period

What Does Medicare Supplement Plan C Cover?

Medicare Supplement Plan C covers all Medicare-approved costs that Original Medicare does not pick up. This includes the annual deductible, copays, coinsurance, and more. Medical services covered by Medicare Supplement Plan C include:

  • Medicare Part A deductible
  • Medicare Part A coinsurance and copays
  • Medicare Part B deductible
  • Medicare Part B coinsurance and copays
  • First three pints of blood
  • Skilled Nursing Facility coinsurance
  • Foreign travel emergency care

The chart below compares Medicare Supplement Plan C to the other Medicare Supplement plans.

Medicare Supplement Plan C Comparison Chart for 2023

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Is Medicare Supplement Plan C Discontinued?

Like other first-dollar coverage Medigap plans, Medicare Supplement Plan C is one of three plans being phased out. If you are newly eligible for Original Medicare as of January 1, 2020, you will not be eligible to enroll in Medicare Supplement Plan C.

However, if you already have Medicare Supplement Plan C, you can keep your plan. Additionally, if you were eligible for Medicare before January 1, 2020, you can still apply to enroll in Plan C. This plan is only off-limits for those new to Medicare. 

How Much Does Medigap Plan C Cost in 2023?

The cost of Medicare Supplement Plan C in 2023 will vary based on your ZIP Code, age, tobacco use status, gender, and more. The full list of price factors will depend on the carrier you choose to enroll with. However, in 2023, the average cost of Medigap Plan C can range from $140-$420 per month.

As the plan is phased out, fewer seniors will enroll in Medicare Supplement Plan C. Thus, premium costs will continue to rise annually to compensate for lower plan enrollment.

How to Compare Medigap Plan C Premiums

Comparing Medicare Supplement plans through several carriers can be a hassle. Working with a broker with access to all the top plans in your area is essential when shopping for coverage to save you time and money.

For a free side-by-side Medicare Supplement Plan C comparison, complete our online rate form or call us at the number above. Our licensed Medicare agents are here to help you every step of the way.

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MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. How to Compare Medigap Policies, Medicare. Accessed November 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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