Medicare Supplement Plan C is a policy which covers nearly all of the Medicare gaps that you would usually be required to pay. The only exception is it does not cover the Part B excess charges.
Excess charges are surcharges that your doctor can charge above and beyond what Medicare will reimburse. They are limited to 15% beyond what Medicare pays. Many doctors do not charge excess charges, but occasionally they do.
For individuals who were not eligible for Medicare before January 1, 2020, they will not be able to purchase a Medigap plan that covers the Part B deductible ($226 in 2023 and $240 in 2024). Because of this, Plans C & F are not available to people new to Medicare. If you already have one of these plans, you will be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.
We understand how important it is for you to have the coverage you need. That’s why we are here to help you compare all your Medigap options so you can have a plan that works for you. To learn more about Plan C or another Medigap plan, reach out to us today.
| Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|
| Basic Benefits 100% | Basic Benefits 100% | Basic Benefits 100% | Basic Benefits 100% | Basic Benefits 100% | Basic Benefits 100% | Hospitalization and preventative care paid at 100%. Other basic benefits at 50%. | Hospitalization and preventative care paid at 100%. Other basic benefits at 75%. | Basic Benefits including 100% Part B Coinsurance | Basic Benefits including 100% Part B Coinsurance except up to $20 copayment for office visit and up to $50 copayment for ER |
| Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | Skilled Nursing Facility Coinsurance | ||
| 100% Part A Deductible | 100% Part A Deductible | 100% Part A Deductible | 100% Part A Deductible | 100% Part A Deductible | 50% Part A Deductible | 75% Part A Deductible | 50% Part A Deductible | 100% Part A Deductible | |
| 100% Part B Deductible | 100% Part B Deductible | ||||||||
| Part B Excess 100% | Part B Excess 100% | ||||||||
| 80% Foreign Travel Emergency | 80% Foreign Travel Emergency | 80% Foreign Travel Emergency | 80% Foreign Travel Emergency | 80% Foreign Travel Emergency | 80% Foreign Travel Emergency | ||||
| Out-of-pocket limit of $7,220; Plan pays 100% of covered services after limit reached. | Out-of-pocket limit of $3,530; Plan pays 100% of covered services after limit reached. |
Basic Benefits:
Part A Deductible for 2025 is $1,676 per each benefit period.
Skilled Nursing Coinsurance for 2025 (days 21-100) is $209.50 per day of each benefit period.
Part B Deductible for 2025 is $257.
There is no charge to clients for our services. We would be honored to help walk you through this process!
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