Medigap plan D: Overview
Medigap Plan D is a supplemental insurance policy that can help cover some of the costs not covered by Medicare. This includes things like deductibles, co-pays, and coinsurance. Medigap Plan D may also cover some foreign travel emergency expenses.
What does Medigap Plan D cost?
The cost of Medigap Plan D will vary depending on the insurance company you choose. However, the premiums are set by the government, so they will be the same for all insurers.
What are the benefits of Medigap Plan D?
Medigap Plan D offers many benefits, including coverage for:
- Part A hospital coinsurance and hospital costs for an extra 365 days after Original Medicare benefits are used up
- Part A hospice care coinsurance payment and copayments
- Part B copayment and coinsurance payment
- First three pints of blood for a medical procedure
- Skilled nursing facility care coinsurance
- Part A deductible
- 80% of foreign travel emergency costs up to plan limits
If you are on Medicare and are looking for supplemental coverage, Medigap Plan D may be a good option for you. It is important to compare the costs and benefits of different plans before making a decision.
FOOTNOTES:
1. HDF and HDG are deductible versions of the F and G, respectively. If you choose one of these options, this means that you must pay for Medicare-covered costs up to the deductible amount of $2,490 (2022) before your Medigap plan pays anything.
2. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
3. Plan F, High Deductible Plan F (HDF) & Plan C are ONLY available to those who were considered Medicare-eligible prior to 2020.
4. Out-of-pocket limits for Plan K are $6,620 (2022) and $3,310 (2022).
