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Medicare Supplement Insurance Plan D

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.

Chart showing Medigap plan benefits in 2019

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 assignmentmeaning 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.

 

1 https://www.medicare.gov/your-medicare-costs/part-a-costs/assignment/costs-and-assignment.html

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