Medicare Supplement (Medigap) Plan D

Medigap Plan D is an insurance policy meant to fill the gaps in coverage by Original Medicare.

What Does Medigap Plan D Cover?

First, remember that Medigap Plan D and Medicare Part D are not the same thing. Medicare Supplement Plan D does not cover prescription drugs. In fact, no Medigap plan covers prescription drugs. 

But Medigap Plan D provides coverage for the following:

  • Part A deductible
  • Part A hospice care copayments
  • Part B copayment
  • Skilled nursing facility care coinsurance
  • The first three pints of blood for a medical procedure
  • 80% of foreign travel emergency costs (up to plan limits)
  • Part A hospital coinsurance and costs for an extra 365 days after Original Medicare benefits are exhausted

Medigap Plan D does not cover Medicare Part B’s excess charges or deductible. Medicare accepts up to 15% excess charges. Some states disallow for this, so ask Ron Ray if this coverage is necessary, and he will gladly sift through it. If your state (like Texas) allows for excess charges, there are Medigap plans that do cover them.

Get A Free Quote


Which Medigap Plan Should I Choose?

In comparison to the other 9 Medicare Supplement plans, Plan D falls somewhere in the middle between the cost of premium and the coverage provided. While Medigap Plan D has more coverage than Plans A and B, other plans like F and G have better benefits, although they come at a higher cost.

Do you want the premium savings but extra out-of-pocket expenses? Or the other way around? The choice is yours to make. If you need guidance, a licensed Medicare agent can help you make an informed decision. Turning 65 Solutions will address your situation and offer advice so you know what to do next.

Get a Medicare Supplement Quote Today

Trying to choose between 10 Medigap plans can be confusing and overwhelming. Many people who are nearing 65 have had the same challenges. We’re here to help you obtain the proper coverage you need.

Call 800-515-4031 for a Medicare Supplement quote.