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Medigap Plan D: Medicare Supplement Insurance
By Chris Gasparini
Chris Gasparini has been a licensed insurance agent since 2005. He enjoys helping Medicare beneficiaries navigate their options to find the best solution for their unique needs. Chris feels as though ...his work truly helps people. Because he represents multiple insurance companies and plan types, Chris is able to help Medicare beneficiaries find the most cost-effective plan. Every day, he leaves work knowing he did what was right for each and every client he serves.Read more
May 23, 2020
|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|
|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%|
2021 Data – Table Source
What Is Medigap Plan D?
Medicare supplement Plan D is designed to cover many of the high-risk gaps that are not covered by Medicare Parts A and B. This plan also offers lower premiums than the more comprehensive plans like Plan F. Medicare Supplement Plan D is one of the few Medicare supplement Plans that offers enrollees preventive care coverage.
Medigap Plan D coverage includes the basic benefits that include hospital coinsurance, the Medicare coinsurance for Part B, 365 additional days of hospitalization coverage, and blood coverage for the first three pints. Medigap Plan D also includes skilled nursing coinsurance, the deductible for Part A, and hospice care coinsurance.
Medigap Plan D does not include coverage for the Part B deductible, or any excess costs for Part B. Excess costs are the difference between what the doctor charges you and the Medicare-approved amount.
It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare Supplement Plans. Most insurance carriers offer a variety of plans, and our licensed sales agents can help you shop around for the plan that best fits your needs and budget.
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