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Medicare Supplement Insurance Plan D

Christian Worstell

by Christian Worstell | Published April 26, 2021 | Reviewed by John Krahnert

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.

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Medicare Supplement Benefits

Part A coinsurance and hospital coverage

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

First 3 pints of blood

Skilled nursing facility coinsurance

Part A deductible

Part B deductible

Part B excess charges

Foreign travel emergency

Medicare Supplement Benefits A B C* D F1* G1 K2 L3 M N4
Part A coinsurance and hospital coverage
Part B coinsurance or copayment 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Skilled nursing facility coinsurance 50% 75%
Part A deductible 50% 75% 50%
Part B deductible
Part B excess charges
Foreign travel emergency 80% 80% 80% 80% 80% 80%

* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

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1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.

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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 2021, the Medicare Part B deductible is $203 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).

Find Medigap Plan D in Your Area

A licensed agent can help you decide on a Medigap option that works for you. Call today to speak with a licensed agent and compare the Medigap plans that are available where you live.

 

Find Medicare Supplement Plan D in your area.

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Or call 1-800-995-4219 to speak with a licensed insurance agent.

 

Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.

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Compare Medigap Plans 2021

See how the 10 Medigap plans differ. Review our chart for a detailed comparison of Medicare Supplement insurance benefits and compare Medigap options where you live. Read more
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