Medicare Supplement Plan L is used with your Original Medicare and is commonly called Medigap.
Medigap health insurance coverage is used to help fill gaps in coverage left for the insured to pay once Medicare has paid their portion of the bill.
Plan L will only pay a portion of the cost remaining once Medicare pays its portion of the bill.
Plan L doesn’t cover all medical costs leaving a portion of out-of-pocket expenses for the insured to pay.
Educate yourself about the different plan options before choosing a Plan.
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Medicare Supplement Plan L Benefits
- Plan L is a shared cost coverage.
- Plan L will cover 75% of the remaining balance for your expenses, co-payments, and coinsurance.
- This type of plan might be budget-friendly for those who only need help for specific costs and want lower premiums.
- Keep in mind this type of supplemental insurance will not work if you have an advantage plan.
- Talk to an experienced health insurance agent to find out if you can cancel Part C, then switch back to your Original Medicare.
- Plan L won’t cover your overseas Medicare insurance coverage.
- Plan L won’t cover any excess charges unless your state enforces MOM (Medicare Overcharge Measure).
Medicare Supplement Plan L Verses Plan K
Plan K will cover 50% of benefits, and Plan L covers only 75% of benefits listed below.
- Copayments and coinsurance for Medicare Part B
- First 3 pints of blood when you need surgery
- Copayments and coinsurance for Part A hospice care
- Coinsurance use when you need skilled nursing facility care
- Deductible for Medicare Part A
Plan L Out of Pocket Maximum
After your OOP (Out Of Pocket) limit has been met and yearly deductibles, then you receive 100% coverage for your Medicare-approved services remainder of that calendar year. Use the chart below to compare Medigap Plan L to the other options available. 2025 out-of-pocket limit for Plan L is $3,610.
| 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) |
x$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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