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Pre-2020 Only

Medicare Supplement Plan C

Comprehensive Coverage Including the Part B Deductible (Pre-2020 Enrollees Only)

Monthly Premium
$130–$350/mo
New Enrollees
Not Available
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Availability Notice: Medicare Supplement Plan C is only available to people who were eligible for Medicare before January 1, 2020. If you became eligible after that date, consider Plan G instead.

What Is Medicare Supplement Plan C?

Medicare Supplement Plan C offers comprehensive coverage similar to Plan F, covering the Part B deductible and most Medicare cost-sharing. The key distinction: Plan C does not cover Part B excess charges. Like Plan F, it is only available to people who were eligible for Medicare before January 1, 2020.

Plan C sits between Plan F and Plan G in terms of coverage. It covers the Part B deductible ($283 in 2026) like Plan F, but unlike Plan F, it does not cover Part B excess charges. This makes Plan C premiums slightly lower than Plan F.

For most people choosing between Plan C and Plan G, Plan G is the better value. While Plan C covers the Part B deductible, Plan G covers Part B excess charges - which can be more significant if you see doctors who don't accept Medicare assignment. And Plan G premiums are typically lower than Plan C.

If you currently have Plan C, it's worth periodically comparing your premium to Plan G. Since Plan C is no longer available to new enrollees, the risk pool is aging, which can drive premiums up faster than newer plans.

Key Highlights

  • Covers the Part B deductible (unlike Plan G and Plan N)
  • Does NOT cover Part B excess charges (unlike Plan F)
  • Only available to those eligible for Medicare before January 1, 2020
  • Similar to Plan F but without excess charge coverage
  • No networks - any Medicare-accepting provider nationwide

What Does Plan C Cover?

BenefitCoverage

Part A hospital coinsurance & costs (up to 365 days after Medicare benefits)

Covered

Part A hospice care coinsurance or copayment

Covered

Part A deductible ($1,736 in 2026)

Covered

Part B coinsurance or copayment

Covered

Part B excess charges

Plan C does NOT cover excess charges (unlike Plan F)

Not Covered

Part B deductible ($283 in 2026)

Plan C covers this - Plan G does not

Covered

Blood (first 3 pints)

Covered

Skilled nursing facility coinsurance

Covered

Foreign travel emergency (up to plan limits)

80% after $250 deductible, up to $50,000 lifetime

Covered

All Medigap plans are standardized by federal law. Benefits are identical regardless of which insurer you choose.

Plan C Pros & Cons

Pros

  • ✓ Covers the Part B deductible - zero out-of-pocket for most Medicare services
  • ✓ Lower premiums than Plan F since it doesn't cover excess charges
  • ✓ Comprehensive hospital and skilled nursing coverage
  • ✓ Includes foreign travel emergency coverage

Cons

  • ✗ Not available to new Medicare enrollees (must have been eligible before Jan 1, 2020)
  • ✗ Does not cover Part B excess charges - could face bills from non-assignment doctors
  • ✗ Higher premiums than Plan G or Plan N
  • ✗ Shrinking enrollee pool may cause faster premium increases

Frequently Asked Questions

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