Medigap Plan D – Medicare Supplement

Benefits
Medigap Plans
A B C D F G K L M N
Part A Hospital Coinsurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Benefit for Blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,120 in 2017 $2,560 in 2017 N/A N/A

Table Source

What is Medigap Plan D?

terminally ill patient talking to doctor about Medigap Plan DMedicare Supplement Plan D is designed to cover most of the high risk gaps that are not covered by the Original Medicare Insurance. This plan also offers lower premiums than the more comprehensive plans like Plan F. Medicare Supplement Plan D is one of the few Supplement Plans that offers enrollees Preventative Care Coverage.

Medigap Plan D coverage includes the Basic Benefits that include hospital coinsurance, the Medicare coinsurance for Part B, which is generally 20% of outpatient expenses, 365 additional days of hospitalization coverage, and additional blood coverage. Plan D also includes skilled nursing coinsurance, the deductible for Part A, and Hospice Care coinsurance. Hospice Care is included in all Medicare Supplement plans as of 2010.

Plan D does not include coverage for the Part B deductible, and any excess costs for Part B. Excess costs is the difference between what the doctor charges you and the Medicare-approved amount. The doctor can charge you up to 15% of the amount not covered by Medicare, and some Medigap plans will cover this amount.

It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare Supplement Plans. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that best fits your needs and budget.