One of 10 Medicare Supplement Insurance plans, Medicare Supplement Insurance (Medigap) Plan D helps pay out-of-pocket costs not covered by Original Medicare. In comparison to other plan types, Plan D is relatively comprehensive — including seven of the nine available Medigap benefits.
Medicare Plan D vs Part D
Medigap Plan D should not be confused with Medicare Part D (prescription drug coverage).
- Medicare Part D is offered as a stand-alone benefit by private insurance companies — available to anyone with Medicare at an additional cost.
- Medigap Plan D is designed to work alongside Original Medicare — and because Medigap policies can no longer be sold with prescription drug coverage, Medicare beneficiaries may have both Medicare Supplement Insurance and Medicare Part D prescription drug coverage.
Medigap Plan D Benefits
Medicare Supplement Insurance Plan D includes seven of the nine available Medigap benefits, including:
- Medicare Part A hospital coinsurance and hospital costs (up to 365 days after Original Medicare benefits are used up)
- Medicare Part B coinsurance or copayment coverage (20% of Medicare approved charges)
- Medicare Parts A and B blood deductibles (first three pints)
- Medicare Part A hospice care coinsurance or copayment
- Medicare Part A deductible
- Skilled nursing facility (SNF) care coinsurance coverage
- Foreign travel emergency coverage (80%, up to plan limits)
To see how the basic benefits of Medigap Plan D compare to those of other Medigap plans, refer to the chart below.
What Doesn’t Medigap Plan D Cover?
Medicare Part B deductible
Medicare Part B covers a range of medical services (both preventative and diagnostic), but before your coverage kicks in, you have to satisfy your Medicare Part B deductible. In 2019, the Medicare Part B deductible is $185 per year.
Medicare Part B excess charges
Part B excess charges are additional charges that you incur if you use a doctor or provider that doesn’t accept assignment — meaning they won’t accept the Medicare-approved amount as full payment1 for covered services. If you see a non-participating doctor, you’ll be responsible for paying the difference between what Medicare pays for a certain medical service, and what your doctor or provider charges for it. In some cases, you may be charged up to 15% more than the Medicare-approved amount for a service (in addition to the 20% coinsurance for care you receive).
Speak with a licensed agent at 888-264-0148, or read through our other Medicare guides to learn more.
- Medicare Part A
- Medicare Part B
- Medicare Eligibility Requirements
- 10 Medicare Mistakes You Could Be Making