Understanding the Upcoming Changes to Medigap Plan C in 2020

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Before delving into the specific modifications to Medigap Plan C, let’s first gain a clear understanding of what Medigap plans are and their purpose. Medigap, also known as Medicare Supplement Insurance, is designed to fill the gaps in Original Medicare coverage. These private insurance plans can assist in covering various healthcare costs, such as deductibles, copayments, and coinsurance, thereby reducing out-of-pocket expenses for Medicare beneficiaries.

The Current State of Medigap Plan C

As of 2020, Medigap Plan C is a popular choice among Medicare beneficiaries due to its comprehensive coverage. Plan C covers several key benefits, including Medicare Part A coinsurance and hospital costs, Part B coinsurance or copayment, the first three pints of blood, Part A hospice care coinsurance or copayment, and skilled nursing facility care coinsurance.

The Changes Coming in 2020

Starting from January 1, 2020, Medigap Plan C will undergo modifications due to the implementation of the Medicare Access and CHIP Reauthorization Act (MACRA). Although this change may initially cause confusion, it is essential to understand the specifics to make informed decisions regarding your healthcare coverage.

Under MACRA, newly eligible beneficiaries who turn 65 on or after January 1, 2020, will not be able to enroll in Medigap Plan C. However, those who are already enrolled in Plan C or become eligible before that date can continue to keep their coverage. Therefore, if you are currently enrolled in Medigap Plan C or are eligible for Medicare before 2020, you will still have the option to maintain or choose this plan.

Exploring Alternatives

With the changes to Medigap Plan C, it becomes crucial to explore alternative options that align with your healthcare needs. Medigap Plan G is one such plan that offers similar coverage to Plan C, with the exception of the Part B deductible not being covered. However, the cost savings associated with Plan G can often outweigh the deductible expense, making it a popular alternative.

Another alternative to consider is Medigap Plan D, which offers similar coverage to Plan G but does not cover the Part B excess charges. It’s important to carefully assess your medical needs and evaluate the available options to determine which plan best suits your circumstances.


In conclusion, while the changes to Medigap Plan C in 2020 may limit new enrollees, those who are already enrolled or eligible for Medicare prior to January 1, 2020, can continue to benefit from its comprehensive coverage. Additionally, exploring alternatives such as Medigap Plan G and Plan D can provide you with comparable coverage options. It is crucial to evaluate your healthcare requirements and make an informed decision regarding the most suitable plan for your individual needs.


  • Medigap Plan C will undergo changes starting from January 1, 2020, due to the implementation of MACRA.
  • Newly eligible beneficiaries turning 65 on or after January 1, 2020, will not be able to enroll in Medigap Plan C.
  • Those already enrolled in or eligible for Medicare prior to 2020 can continue to maintain or choose Medigap Plan C.
  • Exploring alternative plans like Medigap Plan G and Plan D can offer similar coverage options.

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