Medicare Plan D
Medicare Plan D is one of the many Medicare Supplement choices available to you. All Medicare supplement plans (also known as Medigap plans) are designed to fill in the benefit gaps of Original Medicare.
These gaps in your health care coverage can add up quickly. Plan D can help cover some of these costs, so let’s find out how it can benefit you. When you’re finished with Plan D, make sure to check out the other Medicare plans available below.
Medicare Supplement Plan D
Medicare Supplement Plan D is provides shoppers a balanced amount of coverage. Plan D doesn’t have the most benefits and isn’t the most comprehensive plan.
However, it provides adequate coverage and their premiums are typically less expensive compared to Medigap plans with more benefits.
Medigap Plan D is not Medicare Part D
It very important to understand the differences of “Plan D” and “Part D”. We’ll explain more later on, but to summarize: Plan D is one of 10 Medigap plans and PART D is for prescription drugs.
What Medicare Plan D Covers
A Medicare Supplement Plan D insurance policy provides coverage for most of the gaps in Original Medicare. Let’s see exactly what Plan D covers:
- Medicare Part A Coinsurance & Hospital Costs (Covered)
- Part A Hospice Care Coinsurance or Copayment (Covered)
- Medicare Part B Coinsurance and Copayment (Covered)
- Skilled nursing facility Coinsurance (Covered)
- Blood (First 3 Pints) (Covered)
- Medicare Part A Deductible (Covered)
- Foreign Travel Emergency – 80% (Covered)
- Medicare Part B Excess charges (Not Covered)
- Medicare Part B Deductible (Not Covered)
What Medicare Plan D WON’T Cover
Medigap Plan D will not cover your Medicare Part B Deductible. Plan D won’t cover any Excess Charges.
Foreign Travel Emergencies aren’t fully covered, but they are up to 80%.
| Medicare Supplement Benefits | Plan G covers? |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used | YES |
| Medicare Part B coinsurance or copayment | YES |
| Blood (first 3 pints) | YES |
| Part A hospice care coinsurance or copayment | YES |
| Skilled nursing facility care coinsurance | YES |
| Part A deductible | YES |
| Part B deductible | NO |
| Part B excess charges | NO |
| Foreign travel emergency (up to plan limits) | 80% |
Medicare Plan D and Part D are DIFFERENT
There are many confusing parts about Medicare and this is one of the big ones. People are often confused to hear that Medicare Supplement Plan and Medicare Part D are completely different.
Let’s look at their differences and see why it’s important to know them:
- Medicare Supplement Plan D, also referred to as Medigap Plan D, is an insurance plan that companies offer consumers to cover the gaps in Original Medicare.
- Unlike Medicare Part D, Medicare Supplement Plan D is not a prescription drug plan and will not cover prescription drug costs.
Compare Medigap Plan D rates
If you’re still unsure about see so many Medicare letters containing “D” don’t stress. Give us a call and we promise to make it simple so you can feel confident about your Medicare choices.
At REMEDIGAP, you’ll get one-on-one help from beginning to end. You can get started now with a free online Medigap insurance quote.
Michael Quinn is a seasoned Medicare insurance expert and licensed agent dedicated to simplifying the complexities of healthcare coverage. With over a decade of experience, he is a trusted advisor known for his compassionate guidance and commitment to empowering individuals. As the Cofounder of REMEDIGAP in 2013, Michael offers unbiased resources and personalized support to assist clients in making informed decisions.
His expertise has been recognized on reputable platforms such as USA Today and Nerdwallet, solidifying his reputation as a reliable and knowledgeable industry leader. With a Master's Degree in Communicative Disorders, Michael combines strong communication skills with a genuine passion for positively impacting lives through tailored insurance solutions.
Medicare Supplement Plans
Written by Michael Quinn
Licensed Broker, REMEDIGAP Founder
Fact Checked by Joann Quinn
Chief Compliance Officer
As a licensed insurance broker, REMEDIGAP upholds the principles of integrity in our editorial standards and ensures transparency in how we receive compensation from our insurance partners.
