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What Does Medigap Plan D Offer?

October 6, 2016

If you’re enrolled in Original Medicare, Part A and Part B, you may also want to consider purchasing a Medicare Supplement plan (also known as a Medigap plan). Medigap plans are available through private insurance companies, and they may help to pay for Original Medicare out-of-pocket costs, like copayments, coinsurance, and deductibles.

One such Medicare Supplement plan is Medigap Plan D, which offers almost as much coverage as the most thorough and comprehensive Medicare Supplement plan, Medigap Plan F, but may have a lower premium (rates vary among the insurance companies that sell Medigap plans).

Medicare Supplement Plan D (Medigap Plan D) is NOT the same as Medicare Part D

Here are the differences:

  • Medicare Supplement plans (Medigap plans) are sold by private insurance companies to supplement Original Medicare, Part A and Part B, coverage. They’re standardized in all states except Massachusetts, Minnesota, and Wisconsin, and each has a letter associated with it (labeled letters A through N). All Medigap plans with the same letter offer the same coverage no matter where you buy the Medigap plan. For example, Medigap Plan D coverage is the same in Vermont as in Texas, although the premiums may vary and some insurance companies may offer additional benefits.
  • Medicare Part D is a program offering optional prescription drug coverage; Medicare plans that include prescription drug coverage are also sold by private companies.
  • You may purchase a Medicare Supplement Plan D (Medigap Plan D)s and enroll in a Medicare plan that offers prescription drug coverage, if you’d like help with prescription drug coverage to work alongside your Original Medicare benefits and your Medicare Supplement plan

Medigap Plan D may help with out-of-pocket costs

Medicare Supplement plans are offered by private insurance companies and can help you pay for out-of-pocket costs for services covered under Original Medicare (Medicare Part A and Part B).

Medigap Plan D offers the following benefits to help you cover the out-of-pocket expenses of Original Medicare:

  • Medicare Part Acoinsurance and hospital costs up to an additional 365 days after Medicare Part A benefits are used up
  • Medicare Part Bcoinsurance or copayment
  • Blood (the first three pints, if the hospital has to buy blood for you)
  • Medicare Part A hospice care coinsurance or copayment
  • Skilled nursing facility (SNF) care coinsurance
  • Medicare Part A deductible
  • Foreign travel medical coverage (up to plan limits)

Medigap Plan D does not cover the Medicare Part B deductible or excess charges. So remember that when you choose Medigap Plan D, you will be responsible for these costs. There is no out-of-pocket maximum in Medigap Plan D (or in Medigap Plan F).

Our Medicare Supplement Plan benefit chart provides a side-by-side comparison of Medigap Plan benefits.

 

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.