Medicare Supplement Plan C is one of the most comprehensive Medigap plans available, reports Medicare.gov. Offered by private insurance companies, it covers out-of-pocket expenses that regular Medicare A and B do not cover. Although Medicare does not require insurance companies to offer all Medigap plans, they must offer Plan C if they offer any Medigap.
As of August 2015, Medigap Plan C covers Medicare Part A deductibles as well as coinsurance and hospital costs for up to a year after an individual's regular Medicare Part A coverage ends, explains Medicare.gov. It also covers Part A copayments or coinsurance for hospice care as well as Medicare Part B deductible, copayments and coinsurance but does not cover any other extra Part B charges. Medigap Plan C covers coinsurance for care in a skilled nursing facility and the first three pints of blood a patient needs. If a Medicare patient incurs medical or hospital expenses while traveling in a foreign country, Medigap Plan C covers up to 80 percent of expenses.
Although insurance companies charge different premiums for Medigap Part C, the coverage provided is legally standardized, according to WebMD. If Medicare recipients sign up for a Medigap policy within six months of turning 65, insurance companies cannot refuse to sell them a policy at the standard premium. If seniors delay enrolling for Medigap and try to sign up later, they are not guaranteed coverage or the standard rate.