Medigap Plan C

Medicare Supplement Plans, also called Medigap policies, are offered by private companies to offset the out-of-pocket expenses of Original Medicare. These private companies are required by federal law to follow a standard set of templates. Medigap Plan C is one of the most comprehensive Medicare Supplement Plan options. However, it is not available to people who are newly eligible for Medicare after January 1, 2020.

Interested in learning more?

Coverage: Original Medicare vs. Plan C

Hospital Inpatient Costs

Original Medicare

Day 1-60 of an inpatient stay: Your annual deductible is $1484 with coinsurance
Days 61-90: your cost of coinsurance per day is $371
After Day 90: you pay a lifetime reserve day of $742

Medigap Plan C

100% of Medicare Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used.

Part B Coinsurance

Original Medicare

You are usually expected to pay 20%

Medigap Plan C

100% of Medicare Part B coinsurance or copayment

Blood

Original Medicare

If the hospital has to buy blood for you, you must pay for the first 3 units of blood you get in a calendar year

Medigap Plan C

100% of first 3 pints of blood

Hospice Care Coinsurance/Copayment

Original Medicare

You pay a copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management.
You pay 5% of the Medicare-approved amount for inpatient respite care.

Medigap Plan C

100% Part A Hospice Coinsurance or copayment

Skilled Nursing Facility (SNF) Care Coinsurance

Original Medicare

Days 1-20 at SNF facility: no cost
Days 21-100: you pay $185.50 per day
Day 101 and after: You assume all costs

Medigap Plan C

100% SNF Coinsurance

Part A Deductible

Original Medicare

Annual deductible: $1484 with coinsurance for days 1-60 of each benefit period.
After Day 60: See Hospital Inpatient costs, above

Medigap Plan C

Covers 100% of Part A Deductible

Part B Deductible

Original Medicare

In 2021, the deductible for part B is $203. After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%.

Medigap Plan C

Covers 100% of the Part B Deductible

Part B Excess Charges

Original Medicare

No out of pocket expense yearly limit
After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%.

Medigap Plan C

No additional coverage

Bonus: Up to 80% of coverage for foreign travel emergency

As stated above, Medigap Plan C is not available to people eligible for Medicare for the first time on January 1, 2020.

Need Medigap Plan C?

Here at Medicare With Jake, we specialize in helping you make the best decisions for you. To learn more about your Medigap options and if Medigap Plan C is right for you, give us a call today!