Medicare Supplement Plan C is one of the most popular Medigap plans because it covers most of the expenses not covered by Original Medicare – Parts A and B. Out of all plans, only Medicare Supplement Plan F offers more coverage. Plan C is one of the most comprehensive Medicare supplement plans, the only expense not covered by Plan C is the Part B excess charges.

Important notice: All first-dollar coverage plans were discontinued beginning on January 1, 2020, including Plan C and Plan F. CMS no longer allows any Medicare supplement plan to include first dollar coverage. Beneficiaries who were already enrolled or who turned 65 prior to January 1, 2020 are still eligible for this plan.

Plan C is a great option for Medicare beneficiaries who semi-frequently visit the hospital or doctor’s office, like to travel outside of the United States, and who can afford a higher monthly premium.


Plan C, as one of most comprehensive Medigap plans, covers:

  • Part A coinsurance and up to an additional 365 days of hospital costs after Medicare benefits are exhausted
  • Part B coinsurance and copayments
  • First 3 pints of blood each year
  • Part A hospice care coinsurance and copayment
  • Skilled nursing facility care coinsurance
  • Part A and Part B deductible
  • 80% of foreign travel exchange
  • No out-of-pocket limit

Medigap Plan C does not cover only Part B excess charges. Part B excess charges are considered as doctor`s charges that can legally extend beyond the Medicare-approved amount for service payment. When excess charges occur, the remaining cost is charging directly the patient.


Individuals must already be enrolled in Medicare Parts A and B to be enrolled in any Medicare Supplement plan. Those who would like to enroll in Medigap Plan C must have been eligible for Medicare prior to January 1, 2020. If you already have Plan C, there is no need to worry – you can keep your plan.


Beneficiary premiums will vary based on which state the individual is seeking coverage in, which carrier they are purchasing from, and also individual factors like gender, age, tobacco use, and a few other details. The average cost for Plan C ranges from $115-$220 per month. In general, Medigap plan premiums are higher in states who have a higher cost of living.