• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Medicare Supplement Plan L

Medigap Plan L – What does it cover?

Medicare Supplement Plan LFor many people, Medigap Plan L will not provide the comprehensive coverage they’re looking for. The good news is that Medicare Supplement Plan L will provide full coverage for your Medicare Part A hospital costs and coinsurance.

Unfortunately, it only partial coverage for a variety of other benefits. Let’s first look to see what Plan L covers:

  • Medicare Part A Coinsurance & Hospital Costs (Covered)
  • Part A Hospice Care Coinsurance or Copayment (Covered)
  • Skilled nursing facility care coinsurance (Covered)
  • Medicare Part B Coinsurance and Copayment (Covered)
  • Medicare Part A Deductible (Covered)
  • Blood (First 3 Pints) (Covered)
  • Medicare Part B Excess Charges (Not Covered)
  • Medicare Part B Deductible (Not Covered)
  • Foreign Travel Emergency (Not Covered)

What Medicare Supplement Plan L Will NOT Cover

With Medicare Supplement Plan L, you won’t be covered for foreign travel emergencies, your Medicare Part B deductible, or your Part B excess charges. Plan L also doesn’t cover 100% of some of your other benefits. In fact it only covers 75% for the following:

Medicare Supplement BenefitsPlan L covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are usedYES
Medicare Part B coinsurance or copayment75%
Blood (first 3 pints)75%
Part A hospice care coinsurance or copayment75%
Skilled nursing facility care coinsurance75%
Part A deductible75%
Part B deductibleNO
Part B excess chargesNO
Foreign travel emergency (up to plan limits)NO

Medicare Supplement Plan L has lower premiums with shared costs

Medigap Plan L is one of the cost-sharing Medigap policies available to you. It has slightly lower premiums when compared to a popular plan like Plan G.

Here’s why…

When you enroll in Medicare Supplement Plan L, the Medigap insurance company pays 75% of your medical expenses that are approved by Medicare on most benefits. You have to pay the remaining 25%. You must also pay your Medicare Part B deductible as well as any excess charges. Is Plan L a good deal? 

If you have any costly health care issues, that 25% can add up quickly. You’ll need to evaluate the cost savings of Plan L compared to the benefits of some of the more comprehensive Medigap plans. Most times people see that the savings aren’t big enough and the risk is too great. 

Plan L Case Study

Medicare Supplement PlansIn our example case study, we have John Doe who has a few medical procedures. Let’s see how Medicare Supplement Plan L works based on a common scenario.

John had to undergo an outpatient surgical visit. His Plan L pays 75% and John pays the remaining 25% of Medicare’s allowed amount.

If the Medicare-approved amount for John’s surgery is $10,000:

  • Plan L pays $7,500
  • John pays $2,500

Once John reaches the annual Out-of-Pocket Limit and the yearly Part B deductible for Medigap Plan L, then it pays 100% of covered services for the rest of the year.

It’s easy to compare Standardized Medigap Plans

Medicare supplement plans were standardized in 1991; which means that all Medicare Supplement plans with the same plan letter provides identical coverage and benefits. All Medigap insurance companies are required to provide the same benefits.

In other words, Plan L from Mutual of Omaha is identical to Plan L from Cigna. The price is the only difference between the two companies.

Get Quotes for Medicare Supplements

Contact us today to learn more about Medigap Plan L and how to compare Medicare Supplement plans. You can call us at (888) 411-1329 or receive an online Medigap quote now.

You have many options for Medicare supplements, including Plan L. To find out which Medicare Supplements meets your needs and budget, contact REMEDIGAP for a free quote today. We use over a dozen Medicare insurance companies to make sure you get affordable coverage.

Call (888) 411-1329 for your free consultation today!

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