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Many people call it “Medigap,” but Medicare Supplement Insurance is a very important way for seniors in the US to pay for medical bills that Original Medicare doesn’t cover. The best thing about Medigap Plan C is that it covers all other Medigap plans. This article discusses the pros and cons of Medigap Plan C and how it stacks up against other Medigap plans.

What is Medigap Plan C?

Some private insurance companies offer basic Medigap plans, and Plan C is one of them. It’s meant to fill many gaps that Original Medicare (Parts A and B) doesn’t cover. Some costs that Medicare doesn’t fully cover are copayments, coinsurance, and deductibles. This plan helps pay for those costs.

Coverage Details

Medigap Plan C includes:

  • Part A coinsurance and hospital costs up to 365 days after Medicare benefits are used.
  • Part B coinsurance or copayment.
  • The first thing that is used is three pints of blood.
  • Part A hospice care coinsurance or copayment.
  • Skilled nursing facility care coinsurance.
  • Part A deductible.
  • Part B deductible.
  • Foreign travel emergency (up to plan limits).


It is important to know that Medigap Plan C is no longer available to people who started getting Medicare after January 1, 2020. This is because federal law has changed. However, people who were eligible before that date can still buy Plan C if it’s offered in their area.

Medigap Plan C Benefits

Medigap Plan C offers a range of benefits that make it a popular choice among eligible beneficiaries. These benefits include:

Comprehensive Coverage

Plan C covers almost all out-of-pocket costs left by Original Medicare, making it one of the most comprehensive Medigap plans available.

Predictable Healthcare Costs

With Plan C, beneficiaries can anticipate their healthcare costs more accurately, reducing financial uncertainty and stress.

Emergency Coverage

Plan C provides emergency coverage during foreign travel, which can be crucial for frequent travelers.

No Network Restrictions

Beneficiaries can choose any doctor or hospital that accepts Medicare, providing flexibility and freedom of choice.

BCBS Medigap Plan C

Blue Cross Blue Shield (BCBS) is a well-known provider of Medigap plans, including Plan C. BCBS Medigap Plan C is popular due to the provider’s extensive network and reputation for customer service.

Key Features

  • Wide Network: BCBS offers an extensive network of healthcare providers, ensuring that beneficiaries have ample choices.
  • Customer Service: BCBS is known for its reliable customer service, support, and assistance to plan holders.
  • Additional Benefits: Some BCBS plans may offer additional perks, such as discounts on wellness programs or gym memberships.

Medigap Plan C Cost

The cost of Medigap Plan C can vary based on several factors, including the beneficiary’s age, location, and the specific insurance provider.

Factors Influencing Cost

  1. Age: Premiums can increase with age.
  2. Location: Healthcare costs vary by region, affecting premiums.
  3. Provider: Different insurance companies may offer varying premium rates.
  4. Health Status: In some cases, health status can influence premiums, especially if enrolling outside the open enrollment period.

Average Cost

Medigap Plan C payments can range from $150 to $300 a month, but this can change greatly depending on the factors listed above.

BCBS Michigan Medigap Plan C

BCBS Michigan offers Medigap Plan C, providing Michigan residents with a reliable option for supplemental Medicare coverage.

Features of BCBS Michigan Plan C

  • Local Network: Extensive local network of doctors and hospitals.
  • Customer Support: Strong customer service tailored to Michigan residents.
  • Competitive Pricing: BCBS Michigan often provides competitive rates for Medigap plans.

Eligibility and Enrollment

Eligibility for Medigap Plan C depends on several factors, including Medicare eligibility dates and enrollment periods.

Who is Eligible?

  • Individuals who became eligible for Medicare before January 1, 2020.
  • Beneficiaries enrolled in both Medicare Part A and Part B.

Enrollment Periods

When you turn 65, it is the start of the Medigap Open Enrollment Period, which lasts for six months. This is the best time to sign up for Plan C. You have signed up for Medicare Part B. You have a guaranteed issue right during this time, which means you can buy any Medigap insurance sold in your state without going through medical underwriting.

Comparison with Other Medigap Plans

Medigap Plan C is often compared with other Medigap plans to determine the best fit for an individual’s needs.

Medigap Plan C vs. Plan F

  • Coverage: Both plans offer comprehensive coverage, but Plan F includes coverage for Part B excess charges, which Plan C does not.
  • Availability: Like Plan C, Plan F is not available to new Medicare beneficiaries after January 1, 2020.

Medigap Plan C vs. Plan G

  • Coverage: Plan G covers Part B excess charges but does not cover the Part B deductible, unlike Plan C.
  • Cost: Plan G premiums are often lower than Plan C, but out-of-pocket costs may be higher due to the uncovered Part B deductible.

Changes in Medigap Plans Over Time

Medigap plans have evolved due to changes in federal regulations and healthcare needs.

Legislative Changes

According to MACRA, New Medicare enrollees will not be eligible for Plans C and F after 2020.

Market Trends

New beneficiaries increasingly prefer Medigap Plan G due to its comprehensive coverage and lower premiums than Plan F.

Common Questions About Medigap Plan C

Is Medigap Plan C still available?

Medigap Plan C is available only to beneficiaries eligible for Medicare before January 1, 2020.

Does Medigap Plan C cover prescription drugs?

No, Medigap Plan C does not cover prescription drugs. Beneficiaries need a separate Medicare Part D plan for drug coverage.

Can I switch from Medigap Plan C to another plan?

Yes, beneficiaries can switch plans, but medical underwriting may be required if switching outside the open enrollment period.

Expert Insights on Medigap Plan C

Jane Smith, Medicare Specialist

“Medigap Plan C remains a solid choice for those who are eligible. Its comprehensive coverage helps reduce out-of-pocket costs significantly, providing peace of mind for many seniors.”


What is the main difference between Medigap Plan C and Plan F?

This is the primary distinction: Plan F pays for any additional costs incurred by Part B, whereas Plan C does not.

Can I enroll in Medigap Plan C if I become eligible for Medicare after January 1, 2020?

Medigap Plan C is only available to those eligible for Medicare before January 1, 2020.

How do I determine if BCBS offers Medigap Plan C in my area?

You can contact BCBS directly or visit their website to check the availability of Medigap Plan C in your area.

Are Medigap Plan C premiums tax-deductible?

If your Medigap premiums are more than a certain portion of your adjusted gross income, you may be able to deduct them from your taxes. For specific help, talk to a tax expert.

Does Medigap Plan C cover long-term care?

No, Medigap Plan C does not cover long-term care. Beneficiaries may need separate long-term care insurance for such coverage.


Medigap Plans C and E both cover a wide range of out-of-pocket costs. They are both types of Medicare Supplement Insurance. Folks who just got Medicare can’t use it, but people who were eligible before January 1, 2020, can still make it a good choice. People can choose smart health insurance plans if they know the costs, perks, and how to sign up.

Unlock your peace of mind today! Visit for free quotes and discover how Medigap Plan C can provide the comprehensive coverage you need.


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Johnathan Reynolds
About Johnathan Reynolds

Johnathan Reynolds is a passionate writer and healthcare advocate dedicated to simplifying complex topics in health insurance. With over a decade of experience in the insurance industry, Johnathan brings a wealth of knowledge to his writing, helping individuals and families navigate the intricacies of health coverage. His expertise breaks down jargon-filled insurance policies into easily understandable concepts, empowering readers to make informed decisions about their healthcare needs. Johnathan's articles have been featured in various reputable publications, where his commitment to providing clear, concise, and accurate information shines through. Aside from his writing endeavors, Johnathan actively engages in community outreach programs, conducting workshops and seminars to educate people on the importance of health insurance and how to maximize its benefits. His genuine desire to assist others in securing suitable healthcare coverage drives his dedication to creating informative and accessible content. Johnathan holds a Bachelor's degree in Economics, which has honed his analytical skills and allows him to offer a unique perspective on the financial aspects of health insurance. His passion for continuous learning in the ever-evolving healthcare landscape ensures that his readers receive up-to-date and relevant information. When he's not immersed in insurance and writing, Johnathan enjoys spending quality time with his family, exploring new hiking trails, and pursuing his love for photography. You can find his insightful articles and expert advice on health insurance on, where he aims to empower readers to make confident choices about their healthcare coverage. Please note that I'm AI-Johnathan, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

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