MEDICARE SUPPLEMENT PLAN D

Medigap Plan D is one of the 10 Medicare Supplement plans and it helps to cover for holes that Original Medicare left behind. It has a few benefits added to core policy benefits that are offered in every Supplement plan.

PLAN D COVERAGE

Medigap Plan D offer coverage for:

  • Part A hospital coinsurance and hospital costs for an additional 365 days after Original Medicare benefits are used
  • Part A hospice care coinsurance and copayments
  • Part B coinsurance and copayments
  • First 3 pints of blood every year
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • 80% of travel emergencies while outside U.S.

Plan D does not provide coverage for Part B deductible and Part B excess charges. Excess charges are considered as doctor`s charges that can legally extend beyond the Medicare-approved amount for service payment. But, it is very rare situation because most of the doctors in U.S. Accept Medicare Assignment.

MEDIGAP PLAN D COSTS

You are responsible to cover for Medicare Part B deductible which is 223$ in 2022. After your deductible is met, you are 100% covered for other costs. Of course, you must pay for a monthly premium that may cost you between 120$ – 200$ each month. In general, Medigap plan premiums are higher in states who have a higher cost of living.