Medicare Plans by Turning 65 Solutions


Medicare Supplement (Medigap) Plan D

Medigap Plan D is a supplemental insurance policy that covers the gaps that are left by Original Medicare. Parts A and B cover only 80% of hospital and medical services, so these policies are meant to help beneficiaries pay the 20% that is left.  Plan D is not the same as Part D so don’t let this confuse you. Part D is Medicare part which is a stand-alone drug prescription coverage, and also must be purchased alongside Original Medicare. No Medigap policy offers drug prescription coverage. 


What Does Medigap Plan D Cover?

As with all Medigap policies, this plan also provides coverage for deductibles and coinsurance costs that are left off by Parts A and B. Therefore, this specific plan will cover the costs for:

  • 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 deductibles. Medicare accepts up to 15% excess charges. This means that some doctors and hospitals don’t accept Medicare Assignment or Medicare’s payment as payment in full. So they can charge the above Medicare-approved amount.  Some states disallow 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.

It also doesn’t cover Part B’s annual deductible which is 226$ in 2023. Except for Part B deductible and excess charges beneficiaries are responsible for a monthly premium which may cost from 120$ to 200$ per month. But, premium costs depend on several factors like ZIP code, tobacco usage, age, gender, etc. To be sure how much your costs actually will be, check with an experienced insurance agent before purchasing a policy. 

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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 the 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

rying 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. We can help you find a policy that will be good based on your specific healthcare needs and budget.

 If you are interested in purchasing a Medigap policy, call 830-468-5896 for a Medicare Supplement quote.