Medicare Supplement Plan D – Medigap Plan D

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.

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:

  1. Issue Age
  2. Community
  3. 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.

  1. Deductibles
  2. Coinsurance
  3. 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 $5,880 in 2020 ($6,220 in 2021) $2,940 in 2020 ($3,110 in 2021) N/A N/A

(source)