Medicare Supplement Plan D does not cover Part B deductibles and excess charges, but it covers many out-of-pocket costs associated with Original Medicare (Part A and B). Medigap plan D is different from Medicare Part D, which is a Prescription Drug coverage. Remember that there are no more Medigap plans that offer a prescription drug coverage. If you need one, you have to get a separate coverage for that.
Medigap offers 10 standardized plans available in most states, each covering different out-of-pocket expenses. Other states, such as Massachusetts, Wisconsin, and Minnesota, have their own standardized plans.
What Medicare Supplement Plan D covers?
Medigap plan D has the following benefits:
| Part A coinsurance coverage | check |
| Part A eligible hospital services | check |
| Part A inpatient hospital deductible coverage | check |
| Skilled-nursing facility care coinsurance coverage | check |
| The first three pints of blood per calendar year | check |
| Part B coinsurance coverage | 20% of approved amount |
| Medicare preventive care coverage | check |
| Foreign travel coverage | 80% coverage after the given deductible |
Additionally, the Medicare supplemental plan D covers the following services:
• Travel emergency coverage (80% of approved costs up to plan limits)
• Medicare Part A deductibles
• Skilled nursing facility care coinsurance
What it does not cover
Medicare Supplement Plan D does not cover Medicare Part b deductible and Part B excess charges.
How much does Medicare Supplement Plan D cost?
Medicare supplement costs may vary due to to a number of factors. Medigap plan D premiums may vary depending on location and insurance companies.
The average monthly premium of a Medigap Plan D is $299.
You can request for a Medicare supplement quotes from us or from various insurance companies to know how much it cost for you.
How many people are covered with Medigap Plan D?
In 2016, there are 177,654 people who are enrolled in Medigap Plan D. That is about 1% of the total population who owns a Medigap.
Is Medigap Plan D right for me?
If you are someone who often needs medical attention but wouldn’t mind paying the Medicare Part B deductible and excess charges, then this plan may be right for you.
Compare Medicare supplement plans first before deciding to enroll in the option of your choice. Consider the different factors such as your needs and Medigap costs. If you are still confused and undecided, you may want to seek assistance from a Medicare expert.
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