Plan D
Not to be confused with Medicare Part D for prescription drug coverage, the Medicare Supplement or Medigap Plan D used to be a fairly popular plan many years ago. And while it is trying to make a comeback due to recent MACRA legislation, availability is still quite limited. Plan D may not be the most robust of the Medicare supplement plans, but it still offers excellent coverage and is generally one of the most cost-effective plans of choice. In fact, Plan D covers most of the same benefits as Plan C, with the exception of only the Part B deductible.
Plan D
Medicare Supplement
- Part A (Hospital) Coinsurance
- Part B (Medical) Coinsurance
- Part A Hospice Copayment
- First 3 pints of blood
- Skilled Nursing Copayment
- Part A Deductible
- Part B Deductible
- Part B Excess Charges
- Emergency Foreign Travel
As you can see from the chart above, Medicare Supplement Plan D will provide you with cost-effective coverage for the following expenses:
- Medicare Part A coinsurance for inpatient hospital stays, including an additional 365 days after your Medicare benefits are exhausted.
- Medicare Part B coinsurance for physician and outpatient physician services.
- Medicare Part A copayment for hospice services.
- The first three pints of blood required for any medical procedure.
- Medicare copayment for skilled nursing facility stays
- Part A deductible.
- 80% for overseas travel emergencies up to a lifetime benefit of $50,000.
