Medicare Supplement Plan C

Medicare Supplement Plan C can sometimes be confused with Medicare Part C, known as Medicare Advantage, but the two are quite different despite their similarity in name. Medicare Supplement Plan C provides coverage for most out-of-pocket expenses that are not usually covered with Original Medicare. However, many insurance carriers do not offer this plan.

As of January 1, 2020, you will no longer be eligible for Plan C if you were not already grandfathered in with a company that offers that plan. This is due to Congress issuing the MACRA law. The MACRA law states Medicare Supplement plans can no longer cover Part B deductibles, which is covered by Plans C and F. It is a common misconception that only those with Plan C are allowed to keep it, though. This is not the case. If you were still eligible before January 1, 2020, you could apply for Plan C as long as an insurance company offers it. 
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Coverage for Plan C


Medicare Supplement Plan C will cover most out-of-pocket expenses, such as copayments and coinsurance requirements, and cover 100% of the costs associated with:

  • Coinsurance payments (Medicare Part A) for inpatient hospital care up to an additional year after the Medicare benefits have been used up

  • Copayment or coinsurance expenses for Medicare Part B

  • First three pints of blood used in a medical procedure

  • Hospice care coinsurance expenses or copayments for Part A

  • Skilled nursing facility care coinsurance

  • Foreign travel emergency costs

What is not covered by Plan C?

Medicare Supplement Plan C does not cover excess charges for Medicare Part B. The excess charges come from healthcare providers who are not involved with Medicare and can charge you up to 15% more than the Medicare allowable amount. This will need to be paid out-of-pocket. If you have Plan C or are eligible for it, it would be in your best interest to find a healthcare provider who accepts Medicare assignment so you cannot be billed extra.

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If you have any questions or concerns about Medicare Supplement Plan C and your eligibility, give us a call at 877-885-3484 or send us an email at Our mission is to provide you with the help you need to find affordable supplements to protect you from out-of-pocket costs and provide added benefits.