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Medicare Supplement (Medigap) insurance Plan C is one of the most comprehensive of the 10 standardized Medigap insurance plans available in most states. Out of the 10, only Medigap Plan F offers more coverage. Medigap Plan C covers most Medicare-approved out-of-pocket expenses.
Please note that Medigap Plan C is not the same as Medicare Part C (Medicare Advantage), despite their names that sound somewhat alike.
Medicare Supplement insurance Plan C covers the following:
It doesn’t cover Medicare Part B excess charges. These are doctor charges that can legally extend beyond the Medicare-approved amount for service payment. When excess charges occur, the remainder of the cost is charged directly to the patient. For example, a doctor or physician may be allowed to bill up to 15% over the Medicare-approved amount in some cases.
Medicare Supplement insurance plans are sold by private insurance companies, so premiums may vary. However, every Medigap Plan C policy must include the same basic benefits
If you sign up for a Medigap Plan C policy during your six-month Medigap Open Enrollment Period (OEP), in most cases the insurance company must accept your application and can’t charge you more if you’re in poor health, nor impose a waiting period even if you have a pre-existing condition*.
Your Medigap OEP starts the month that you’re both at least 65 years old and enrolled in Medicare Part B. You must live within the plan’s service area. If you apply for Medigap Plan C outside your Medigap OEP, the insurance company may require you to undergo medical underwriting and doesn’t have to accept you as a member. However, in some situations you might have a guaranteed issue right to enroll in a Medigap plan.
Availability and plan costs may vary. Our Medicare Supplement insurance plan finder lets you compare Medigap policies available in your area.
*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.
This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.