Answer: Medigap Plan C is designed to work with Original Medicare (Parts A and B). That means:
Medicare Part B pays for medically necessary services like doctor visits, lab work, and outpatient care. So your bloodwork is billed to Medicare Part B first.
After Medicare pays its share (usually 80% of approved costs after you meet the deductible), your Plan C fills in the gaps by covering:
The Part B coinsurance (the 20% you’d normally owe).
The Part A deductible and coinsurance.
Even the Part B deductible (which not all Medigap plans cover).
So with Plan C, your routine bloodwork ordered by a doctor and covered under Part B should be fully covered—you wouldn’t have extra out-of-pocket costs, as long as the provider accepts Medicare.
???? The only thing to watch for is if the test is something Medicare doesn’t consider “medically necessary” (for example, certain screenings done outside the normal schedule). In that case, neither Medicare nor your Medigap plan would pay, and you’d be billed.
