Medigap Plan D
Plan D is a one of Medicare Supplement insurance plans that helps with paying some of the out-of-pocket costs left by Original Medicare, such as deductibles, coinsurance, and copayments. Like every Supplement policy, Plan D is standardized by the government, meaning that all Medigap Plan D policies must offer the same basic benefits, regardless of the location and insurance carrier.
Plan D Coverage
Some of the benefits that Medigap Plan D covers include:
- Part A hospital coinsurance and up to an additional 365 days of hospital coverage
- Part B coinsurance or copayment
- The first three pints of blood every year
- Part A hospice care coinsurance
- Skilled nursing facility care coinsurance
- Part A hospital deductible
- Part B excess charges
Medigap Plan D is considered as one of the more comprehensive Medigap plans available, providing a broad range of coverage that is more extensive than plans A and B. It covers all the benefits of Plan A and B (basic benefits), plus a few additional benefits such as coverage for Part A hospital deductible and Part B excess charges.
It is important to note that Medigap Plan D does not cover some benefits that are covered by other plans like foreign travel emergency care.
Keep in mind that Medigap Plan D is not the right choice for everyone, and it’s important to consult with a Medicare expert before making a decision. The cost of the plan varies by location and insurance company, it’s a good idea to compare the costs and benefits with other plans before making a decision.
Our expert agents are available to help you compare your options and guide you to the plan that best fits your needs. Contact us today to learn more about Medigap Plan D and how it can help you supplement your existing coverage.
