Medigap Plan D: Medicare Supplement Insurance

Medigap Plan D

What Is Medigap Plan D?

Medigap Plans

Benefits

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/copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood benefit (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Hospice coinsurance/copay

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility coinsurance

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 charge

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

$6,940

$3,470

N/A

N/A

2023 Data – Table Source

Medicare supplement Plan D is designed to cover many of the high-risk gaps that are not covered by Medicare Parts A and B. This plan also offers lower premiums than the more comprehensive plans like Plan F. Medicare Supplement Plan D is one of the few Medicare supplement Plans that offers enrollees preventive care coverage.

Medigap Plan D coverage includes the basic benefits that include hospital coinsurance, the Medicare coinsurance for Part B, 365 additional days of hospitalization coverage, and blood coverage for the first three pints. Medigap Plan D also includes skilled nursing coinsurance, the deductible for Part A, and hospice care coinsurance.

Medigap Plan D does not include coverage for the Part B deductible, or any excess costs for Part B. Excess costs are the difference between what the doctor charges you and the Medicare-approved 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, and our licensed sales agents can help you shop around for the plan that best fits your needs and budget. Or, do a bit of research on your own with our Find a Plan tool. Just enter your zip code to start comparing Medigap plans in your area.

ERIC RUGE
Florida native Eric Ruge lives by one rule: Do the right thing. His goal as a Medicare agent is helping people find the right Medicare coverage for their unique medical needs and budget. He believes everyone deserves the peace of mind they get knowing they made the right decision about their Medicare coverage. When he's not working, Eric enjoys spending time with family and friends, watching Tampa sports, and playing the occasional round of golf.

Share

Find a Medicare Plan in your area

It’s FREE with no obligation

Speak with a Licensed Insurance Agent

M-Th 9am-7pm | Fri 9am-6pm | Sat 9am-3pm EST

RELATED ARTICLES