Plan D at a glance
Medigap Plan D: Overview
Medigap Plan D is a supplemental insurance policy that helps cover some of the costs not covered by Medicare, including the Part A deductible, coinsurance, and copayments. Medigap Plan D also pays 80% of foreign travel emergency costs, up to plan limits.
Plan D sits in the middle of the Medigap lineup. It covers more than Plans A and B, but it leaves the Part B deductible and Part B excess charges for you to pay.
What does Medigap Plan D cost?
The cost of Medigap Plan D varies depending on the insurance company you choose, where you live, and how the company prices its policies. The government standardizes Plan D’s benefits, but it does not set the premium, so the same Plan D coverage can cost very different amounts from one insurer to the next. That is why comparing quotes from several carriers matters.
What are the benefits of Medigap Plan D?
Medigap Plan D offers many benefits. It covers Part A hospital coinsurance and hospital costs for an extra 365 days after Original Medicare benefits are used up, Part A hospice care coinsurance and copayments, Part B copayments and coinsurance, and the first three pints of blood for a medical procedure. Plan D also covers skilled nursing facility care coinsurance and the Part A deductible, and it pays 80% of foreign travel emergency costs up to plan limits.
What does Medigap Plan D not cover?
Plan D does not cover the yearly Part B deductible or Part B excess charges, which are extra amounts of up to 15% above the Medicare-approved amount that some doctors who don’t accept Medicare assignment can bill. Like all Medigap plans sold today, it also does not include prescription drug, dental, vision, or hearing coverage.
How does Medigap Plan D compare with Plan G?
Plan D and Plan G are very similar. The only difference is that Plan G also covers Part B excess charges. If your doctors accept Medicare assignment, excess charges may never apply to you, which can make Plan D worth comparing on price.
How do you enroll in Medigap Plan D?
To buy Medigap Plan D, you need Medicare Part A and Part B. Plan D is also one of the plans insurers must offer to people newly eligible for Medicare if they sell plans beyond Plan A.
The best time to buy Medigap Plan D is during your Medigap Open Enrollment Period. This 6-month window starts the first month you have Medicare Part B and are 65 or older. During it, an insurance company can’t turn you down or charge you more because of your health. After it ends, insurers in most states can use medical underwriting, which means you could pay more or be denied coverage unless you have a guaranteed issue right.
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.
Medicare Supplement Insurance
Medigap Plans Compared
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| Benefits | A | B | C | D | F* | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (up to 365 extra days) | ||||||||||
| Part B coinsurance or copayment | 50% | 75% | † | |||||||
| Blood (first 3 pints) | 50% | 75% | ||||||||
| Part A hospice care coinsurance or copayment | 50% | 75% | ||||||||
| Skilled nursing facility care coinsurance | 50% | 75% | ||||||||
| Part A deductible$1,736 in 2026 | 50% | 75% | 50% | |||||||
| Part B deductible$283 in 2026 | ||||||||||
| Part B excess charges | ||||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Yearly out-of-pocket limit2026 limits | $8,000 | $4,000 |
* Plans F and G also come in a high-deductible version. You pay Medicare-covered costs up to the deductible ($2,950 in 2026) before the plan pays.
Plans C and F are available only if you were eligible for Medicare before January 1, 2020.
Plans K and L pay 100% of covered services for the rest of the year once you reach the yearly out-of-pocket limit ($8,000 for Plan K and $4,000 for Plan L in 2026) and the Part B deductible.
† Plan N pays 100% of Part B coinsurance, except up to $20 for some office visits and up to $50 for ER visits that don’t result in an inpatient admission.
