The Medicare Supplement Plan D is only one of 10 different supplemental insurance plans. Plan D will cover some costs which are not fully covered by your Medicare health insurance coverage.
Do not confuse your Medicare Supplement “Plan” D insurance coverage with Medicare “Part” D prescription drug coverage.
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Medicare Supplement Plan D
Plan D is the middle ground of all the plans, so it provides a broader range of coverage while
being more affordable than some of the other plans.
The private insurance carriers set premiums by choosing one of three different Medicare supplement pricing methods.
Rated methods:
- Issue Age
- Community
- Attained Age
Medicare Supplement Plan D Coverage
Medicare Supplement Plan D coverage covers the medical expenses which are not paid by Original Medicare listed below.
- Deductibles
- Coinsurance
- Co-payments
Plan D is just 1 of 10 different Medigap Plans available in most states except Massachusetts, Minnesota, and Wisconsin.
You might find it difficult when deciding if the Medicare Supplement Plan D has the best benefits for your specific needs. First, remember to compare the costs and benefits of the plan. Other plans may be more expensive but remember, the benefits provided will also be greater.
| Medigap Benefits | Medigap Plans | |||||||||
| A | B | C | D | F* | G* | K | L | M | N | |
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Part B coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes*** |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A hospice care coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled nursing facility care coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Part B deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Part B excess charge | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign travel exchange (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $7,060 in 2024
($7,220 in 2025) |
$3,530 in 2024
($3,610 in 2025) |
N/A | N/A |
(source)
*Plans F & G offer a high deductible plan in some states.
**Plans K & L show how much they’ll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet them, the plan will pay 100% of your costs for approved services.
***Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.
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