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Pomona, California

Plan C

Medigap Plan C is one of the more popular Medicare supplements because it covers most of the expenses not covered by Original Medicare – Parts A and B except for Medicare Part B excess charges. Like all other Medigap plans, Plan C is meant to help you with out-of-pocket costs related to Medicare expenses and is considered to be one of the most comprehensive plans out of all Medicare Supplement plans available.

Coverage Benefits

Medigap Plan C

Medigap Plan C is one of the most comprehensive Medigap plans. The only expense not covered by Part C is the Part B excess charges. (However, if you live in a state that does not allow excess charges, known as a MOM state, this coverage lack does not matter.) Plan C is a first-dollar coverage plan.


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

Medicare Supplement Plan C Eligibility

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 Plan C must have been eligible for Medicare prior to January 1, 2020.

Individuals Who Benefit from Plan C

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.

Medigap Plan C Premiums

Individual premiums will vary based on which state the individual is seeking coverage in, which carrier they’re 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 each month. In general, Plan C premiums are higher in states who have a higher cost of living.

Has Plan C been discontinued?

Yes, all first-dollar coverage plans were discontinued beginning on January 1, 2020. Plan F was also discontinued. CMS no longer allows any Medigap 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.

How to Compare

Medigap Plan C Rates

There is a lot of information about each plan online, but to get an accurate quote, you’ll need to enlist the help of a licensed Medicare agent. Instead of calling each insurance carrier to get a quote, we can compare premiums across many different carriers, ensuring that you enroll with one that gives you the best rate.We’ll need to collect some information from you in order to provide quotes since your premium is based on your information and health history, but our services come at no additional cost to you! If you choose to enroll in a Medigap plan through our agency, we also offer unlimited support. If you have problems with your coverage or have questions about how your plan works, we will be here to help. Talk with an Advisor

Comparing Plan C and Plan G

The difference in coverage between these two plans is that Part C includes coverage for the Part B deductible. Also, Plan C is not available to individuals who turn 65 after January 1, 2020 and it is often associated with higher premiums than Plan G.

Medigap Plan C versus Medicare Part C

While this can be confusing, “plans” and “parts” mean different things in Medicare. “Parts” refer to benefits of Original Medicare and “plans” refer to Medicare supplements.

Medicare Part C includes all Medicare Advantage plans, which include benefits inside and outside of Original Medicare. Part C is an alternative to Original Medicare. Medigap Plan C is the supplemental coverage you can purchase to fill in the gaps in coverage of Medicare Parts A and B.

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