Medicare Supplement Plan C

Medicare Supplement Plan C offers one of the highest levels of coverage among supplements.

However, if you turned 65 after January 1, 2020 are no longer allowed to purchase this plan because it covers Part B’s deductible. This is because of the Medicare Access and CHIP Reauthorization Act of 2015.

What Medicare Supplement Plan C covers

Plan C covers 100% of: 

  • Coinsurance (some Supplement plans have you pay a copay instead of the 20% coinsurance)
  • Medicare deductibles 
  • Hospital costs after you run out of Medicare-covered days 
  • Skilled nursing facility costs after you run out of Medicare-covered days
  • Part B excess charges
  • Blood transfusions

And it covers 80% of a foreign travel emergency.

Is there better coverage available?

If you can get Plan C, it’s coverage can only be beaten by Plan F, which is also unavailable to anyone who turns 65 after January 1, 2020. 

The only thing Plan C does not cover is Medicare Part B’s excess charges.

When can I enroll in Medicare Supplement Plan C?

You can enroll once you have Medicare Part B. You will then have six months to enroll in a Medicare Supplement plan with no health questions. During this period, you cannot be turned down for any health conditions, be asked any medical questions, or be charged an additional premium for health reasons. 

Technically, you can enroll at any time after you have Part B. However, if you sign up after your initial enrollment period, you will be subject to medical underwriting.