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Medicare – Plan D
Medicare Supplement Plan D is one of the ten Medigap options you can purchase to supplement your Original Medicare benefits. (It is not to be confused with PART D, which is for prescription drugs. You can read about Part D drug policies here.)
A Medigap Plan D policy covers most of the gaps in Medicare for you, with the exception of the Part B deductible and also any excess charges. An excess charge is an additional amount you will pay if a provider charges more than the Medicare allowed amount. You will pay out of pocket for these two minor items if you purchase a Medicare Plan D. However, the policy does cover all of the most important things, like the 20% of outpatient services that you would otherwise owe.
It’s important to compare pricing between Medigap Plan D and Plans F or G, which have richer benefits. This will help you determine if the savings is worth the additional financial exposure to you. Some people would rather pay more for their supplement if they know that all the gaps will be covered. Others don’t mind a little cost-sharing to get lower premiums.
Medicare Supplement Plan D
|Medicare Part A coinsurance and coverage for hospital benefits||✔|
|Medicare Part B coinsurance or copayment||✔|
|Blood (first three pints)||✔|
|Hospice Care coinsurance or copayment||✔|
|Skilled Nursing Facility Care coinsurance||✔|
|Medicare Part A deductible||✔|
|Medicare Part B deductible||❌|
|Medicare Part B excess charges||❌|
|Foreign Travel Emergency (up to plan limits)||✔|