Medicare Supplement Plan D is a Medigap plan that covers some of the out-of-pocket costs individuals with Medicare would otherwise be responsible for paying. Plan D covers more than most Medigap options but it’s not the most comprehensive or most popular option. Let’s go over some of the benefits of Plan D to see if this option is right for you.

What is Medicare Supplement Plan D?

Medicare Supplement Plan D covers the Part A deductible, Part A coinsurance, and hospital costs up to an additional 365 days after Medicare benefits are exhausted.

Plan D also covers hospice coinsurance, skilled nursing facility care coinsurance, and Part B coinsurance. The plan will also cover the first 3 pints of blood each year. Also, foreign travel emergency coverage is available up to the plan’s limits.

What Does Medicare Supplement Plan D Not Cover?

Medigap Plan D doesn’t cover the Part B deductible or Part B excess charges. Just like with other Medicare supplement plans, prescription drugs, long-term care, dental, and vision are not covered.

Who is Eligible for Medicare Supplement Plan D?

If you’re eligible for a Medigap policy, then you’re eligible for Medicare Supplement Plan D. You must also live in an area that offers the policy, some states like Massachusetts, Minnesota, and Wisconsin don’t offer the same standardized options as other states.

Who Would Benefit the Most?

You could benefit from Medicare Supplement Plan D if you dislike having copayments, there are no copays with this plan. Plan D will cover the Part B coinsurance and copayment for doctors’ office visits as well as emergency room visits.

If you want to keep your premiums low but want more than bare minimum coverage, Plan D could make sense for you. For beneficiaries that plan to travel overseas, Plan D covers 80% of the cost of an emergency when you’re in a foreign country; after you pay the $250 deductible.

As with most Medigap policies, this policy is beneficial for those that want a plan with stable rate increases. It’s also great for people that don’t want unexpected out-of-pocket costs while in the hospital.

Is Medigap Plan D the Same as Medicare Part D?

No, Medigap Plan D is not the same as Medicare Part D Prescription Drug coverage. Medigap Plan D doesn’t cover prescription drugs. A Medigap plan covers the gaps in Medicare, also known as a Medicare Supplement policy.

Part D Prescription Drug plans are separate insurance policies that cover prescriptions you fill at the pharmacy to take at home.

What Does MedigapPlan D Cost?

Medigap Plan D costs between $120 to $240 depending on your age, location, gender, and tobacco use. Medicare Supplement insurance costs can vary greatly depending on many factors.

A beneficiary in their open enrollment period will likely pay less than someone going through medical underwriting, outside of the OEP.

How to Sign Up for Medicare Supplement Plan D?

Signing up for Medicare Supplement Plan D is simple and can be done over the phone or online. Working with a licensed insurance agent is beneficial because they can help you identify the policy, company, and Part D plan that makes the most sense for you.

Getting a quote is free and easy. Give a Medicare expert a call today at the phone number above or fill out an online rate form to compare rates now.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.