We've been helping people find their perfect Medicare plan for over 10 years.

Medicare Supplement Insurance Plan D

Medigap Plan D is one of 10 standardized Medicare Supplement Insurance options available in most states. (Massachusetts, Minnesota, and Wisconsin have different options).

This Medigap policy offers several benefits to supplement your Original Medicare (Part A and Part B) coverage.

Medigap Plan D: An Overview

Almost half of Medigap insurance companies offer Plan D, but only 1% of policyholders bought it in 2016.1

Medigap Plan D should not be confused with Medicare Part D, which is the prescription drug coverage option for Medicare beneficiaries.

Keep reading for details on Plan D’s benefits and enrollment rates, in addition to how the benefits compare to other Medigap plan options.

If you are interested in getting Medigap Plan D, you can request a free quote online today.

Plan D Benefits

Medigap Plan D covers 7 out of 9 possible Medigap benefits. See the chart below for a breakdown:

Standard Medicare Supplement Insurance benefits

Plan D

Medicare Part A co-insurance and hospital costs

Medicare Part B co-insurance or co-payment

First 3 pints of blood

Part A hospice care co-insurance or co-payment

Co-insurance for skilled nursing facility

Medicare Part A deductible

Medicare Part B deductible

 

Medicare Part B excess charges

 

Foreign travel emergency

80%

Medicare Part A co-insurance: Medicare Part A is known as hospital insurance and it includes cost-sharing measures like co-insurance. Inpatient hospital stays covered by Medicare Part A require co-insurance fees if they exceed 60 days. Medigap Plan D pays for all of these co-insurance fees.

Medicare Part B co-insurance and co-payment: Medicare Part B usually charges a co-insurance and co-payments for doctor visits and other outpatient care. Medicare Part B typically pays for 80% of the Medicare-approved amount for covered services, leaving a 20% co-insurance in most cases. Plan D pays the 20% co-insurance or co-payment costs. With Plan D, you still have to pay the Medicare Part B deductible, which is $185 in 2019.

First 3 pints of blood: Original Medicare only covers the fourth pint of blood and beyond. If you need blood while in the hospital, Medigap plans cover the cost of the first 3 pints.

Part A hospice care co-insurance or co-payment: Hospice care provides medical treatment and care during a terminal illness. Medicare covers these services, but it requires co-payments. These co-payments include $5 for each symptom and pain relief prescription drugs and 5% of the Medicare-approved amount for inpatient respite care. This plan covers these costs completely.

Co-insurance for skilled nursing facility: Medical care provided at skilled nursing care facilities is covered by this plan. Plan D pays for the entire co-insurance cost.

Medicare Part A deductible: Medicare Part A comes with a deductible, which is $1,364 per benefit period in 2019. Medigap Plan D will cover your deductible in full for each benefit period you require.

Foreign travel emergency: This benefit provides coverage for medical care provided outside of the United States. This insurance benefit pays for 80% of the billed charges. Coverage is provided after a $250 deductible has been met for the year.

If you have specific questions about how Plan D will fit your Medicare coverage needs, you can request a call from an agent today.

Plan option comparison

Medigap Plan D is a mid-range benefits plan similar to Plan N. It provides more benefits than basic Plans A and B, but it does not cover the Medicare Part B deductible and Part B excess charges.

To see the difference between Plan D and the other standardized Medigap plans, please review the chart below.

Medicare Supplement Benefits A B C D F1 G K2 L3 M N4
Part A co-insurance and hospital costs
Part B co-insurance or co-payment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
MedicarePart B deductible              
Medicare Part B excess charges              
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,300 deductible in 2019 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. 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 $2,780 in 2019. 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 a $50 copayment for emergency room visits that don’t result in an inpatient admission.

Plan D Enrollment Statistics

According to 2016 statistics by America’s Health Insurance Plans (AHIP), 43% of insurers who offer Medicare Supplement Insurance options sell Plan D.1

Despite Plan D’s availability and updated benefits, few enrollees choose it. Of those individuals with Medigap coverage, only 1% chose Plan D, according to AHIP. The plan also saw an 8% drop in one year’s time. In 2015, there was a total of 192,640 enrollees, which decreased to 177,654 in 2016.

If Medigap Plan D seems like a good fit, you can request a free Plan D quote online today.


1 https://www.ahip.org/wp-content/uploads/2018/06/State_of_Medigap18_FINAL.pdf

 

Resource Center

What Is Medigap? | Medicare Supplement Insurance Definition

Medicare Supplement Insurance (Medigap) is private insurance that can help cover some of the costs that Original Medicare does not. Compare Medigap plans.

Read More

How Medicare Supplement Insurance Can Help You Save

Medicare Supplement Insurance (Medigap) plans offer basic benefits that cover certain out-of-pocket health insurance costs. Learn more and find the best plan.

Read More

Medicare Supplement Insurance Plan Options

Medicare Supplement Insurance (Medigap) can help pay for some of Medicare's out-of-pocket costs, including deductibles, copayments and coinsurance.

Read More

Is Humira Covered By Medicare?

Original Medicare does not cover prescription medication, including Humira. Learn how a Part D plan can help.

Read More

Medicare Supplement Insurance Plans | Medigap

A Medicare Supplement Insurance plan, also called Medigap, can help cover some of the costs Original Medicare doesn't, such as copays and deductibles.

Read More

Medicare Supplement Insurance Plan G

Learn about Medicare Supplement Insurance Plan G benefits and how they compare to other Medigap plans.

Read More

Medigap Plans Supplement Original Medicare Benefits

Medicare Supplement Insurance (Medigap) and Medicare Advantage serve two different purposes. Learn the differences in this guide.

Read More

Understanding Medicare Supplement Insurance

If you are enrolled in Original Medicare, a Medicare Supplement Insurance (Medigap) plan could save you money. Learn how.

Read More

Comparing Medicare Supplement Insurance Plans and Costs

Medicare Supplement Insurance plan costs will vary based on provider, location and your age. Learn more and compare free Medigap plan quotes.

Read More