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 an independent licensed insurance agent with a passion for helping others navigate the complex world of Medicare insurance. With over a decade of experience in the field, Michael has established himself as a trusted advisor to countless individuals seeking guidance on their healthcare coverage options.
In 2013, Michael obtained his license as an insurance agent, laying the foundation for his successful career in the industry. Prior to that, he earned his Masters Degree in Communicative Disorders from the University of Central Florida, which equipped him with strong communication and interpersonal skills.
Driven by a genuine desire to make a positive impact on people's lives, Michael co-founded REMEDIGAP in 2013. It was created as a dedicated platform that aims to educate individuals about Medicare insurance. Through REMEDIGAP, Michael provides comprehensive resources and unbiased information to empower individuals to make informed decisions about their healthcare coverage.
With his extensive knowledge and expertise, Michael has been able to guide thousands of individuals towards finding the most suitable Medicare insurance plans tailored to their unique needs. His dedication to his clients' well-being, coupled with his passion for simplifying complex insurance concepts, has earned him a reputation as a compassionate and reliable advisor.
His work has appeared on many blogs and websites including, USA Today, Yahoo.com, Nerdwallet, Think Advisor, and REAL SIMPLE.
