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Medicare Basics

Medigap Plan L – Medicare Supplement

Medigap Plans
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,560 $2,780 N/A N/A

2019 Data – Table Source

What’s Medigap Plan L?

Medicare Supplement Plan L may be a good choice for those with low medical expenses, as it has an out-of-pocket limit. This gives enrollees the potential of a low monthly premium.

Plan L utilizes different divisions of cost for items and services than most of the supplement plans. You will have to pay some expenses yourself for some covered services until you meet the yearly cap. After you hit the yearly limit, your Plan L policy pays these expenses until the end of the year.

Benefits specifically included with Plan L include Part A co-insurance and expenses for 365 days after your hospital benefits end. It also covers Medicare Part B co-insurance at 75 percent for all services except preventive care. Also covered at 75 percent are skilled nursing facility services, hospice care co-insurance or co-payment, and the Medicare Part A deductible. Blood coverage is also covered at 75 percent after the first three pints.

There are services and benefits not covered under Plan L. The Part B deductible is not covered and any excess charges are also your responsibility. Emergency coverage for travel abroad is not included with this plan, so be aware of this when traveling. Recovery at home benefits are also not included in Plan L. The out-of-pocket limit, (amount that you are responsible for), in 2019 is $2,780 and may increase or vary from year to year.

Not all insurance carriers offer all Medigap Supplement Plans and it can be difficult to determine which plan is right for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that will best fit your needs.