Medigap Plan C

Comparing Original Medicare to Medigap Plan C

While Medicare covers most healthcare costs, it still doesn’t cover everything. That’s where Medicare Supplement Plans come in. Medicare Supplement Plans, also called Medigap policies, are insurance plans offered by private companies to cover out-of-pocket expenses. There are ten different templates that each plan is modeled on. Medigap Plan C is the third template.

Unfortunately, Plan C is no longer being offered to people who are newly eligible for Medicare as of January 1, 2020. However, if you were eligible for Medicare prior to 2020, read on to learn more about Medigap Plan C.

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Hospital Inpatient Costs

Original Medicare

Day 1-60 of an inpatient stay: Your annual deductible is $1,408 with coinsurance
Days 61-90: your cost of coinsurance per day is $352
After Day 90: you pay a lifetime reserve day of $704

Medigap Plan C

Covers 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

Covers 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

Covers 100% of the 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

Covers 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 $176 per day.
Day 101 and after: You assume all costs

Medigap Plan C

Covers 100% SNF Coinsurance.

Part A Deductible

Original Medicare

Annual deductible: $1,408 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 2020, the deductible for part B was $198. 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 emergencies.

Contact Modern Senior Benefits to learn more about Medicare Supplement Plans, including which one is best for you.