Medigap Plan D
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Medicare Supplement Plan D | Medigap Plan D | Coverage & Details
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Medicare Supplement Plan D
Medigap Plan D is a very economical Medicare Supplement Plan, and getting multiple Medicare Supplement Quotes will help ensure that you have the lowest price on the Supplement Plan D in your area.
Medicare Supplemental Plan D is NOT prescription drug coverage like many people confuse. If you are looking for prescription drug insurance, that would be classified under the "Medicare Part D Prescription Drug Program". Medicare Supplement Plan D is coverage for healthcare-only expenses, and does not include medication coverage (except on a temporary basis if needed in a hospital, etc.).
Medicare Medigap Plan D is very similar to Medicare Supplemental Plan G, although there is only one small difference, and that is the Medigap Plan D does not cover Medicare excess charges like the Plan G does. Due to the fact that excess charges are not likely to happen and occur very rarely, Plan D and Plan G are almost considered interchangeable. Supplement Plan D is a very good option and probably provides one of the greatest investments of your premium dollar when purchasing Medigap insurance.
When comparing all Medicare Supplemental Insurance Plans, it is best to keep in mind that all plans are designed by CMS (Centers for Medicare & Medicaid Services). This means that coverage is standardized and remains the same from company to company. When looking for the cost of Medigap Plan D, you should be sure to compare at least 2 to 3 companies to ensure the best price.
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Medigap Plan D MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD |
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* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. |
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| HOSPITALIZATION: Semi-private room and board, general nursing and miscellaneous services and supplies. | ||||
| Services | Medicare Pays | Plan Pays | You Pay | |
| First 60 days | All but $1,156 | $1,156 (Part A Deductible) | $0 | |
| 61st through 90th day | All but $289 a day | $289 a day | $0 | |
| 91st day and after: | ||||
| While using 60 lifetime reserve days | All but $578 a day | $578 a day | $0 | |
| Once lifetime reserve days are used: | ||||
| Additional 365 days | $0 | 100% of Medicare Eligible Expenses | $0** | |
| Beyond the Additional 365 days | $0 | $0 | All Costs | |
| SKILLED NURSING FACILITY CARE: You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital. | ||||
| Services | Medicare Pays | Plan Pays | You Pay | |
| First 20 days | All approved amounts | $0 | $0 | |
| 21st through 100th day | All but $144.50 a day | Up to $144.50 a day | $0 | |
| 101st day and after | $0 | $0 | All costs | |
| BLOOD: | ||||
| Services | Medicare Pays | Plan Pays | You Pay | |
| First 3 pints | $0 | 3 pints | $0 | |
| Additional amounts | 100% | $0 | $0 | |
| HOSPICE CARE: You must meet Medicare's requirements including a doctor's certification of terminal illness. | ||||
| Services | Medicare Pays | Plan Pays | You Pay | |
| Hospice care | All but very limited copayment / coinsurance for out-patient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 | |
| **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. | ||||
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Medigap Plan D MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR |
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Once you have been billed $140 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year. |
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| MEDICAL EXPENSES: In or Out of the Hospital and Outpatient Hospital Treatment, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. | |||
| Services | Medicare Pays | Plan Pays | You Pay |
| First $140 of Medicare Approved Amounts | $0 | $0 | $140 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charges (Above Medicare Approved Amounts) | $0 | $0 | All costs |
| BLOOD: | |||
| Services | Medicare Pays | Plan Pays | You Pay |
| First 3 pints | $0 | All costs | $0 |
| Next $140 of Medicare Approved Amounts | $0 | $0 | $140 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |
| CLINICAL LABORATORY SERVICES: | |||
| Services | Medicare Pays | Plan Pays | You Pay |
| Tests for Diagnostic Services | 100% | $0 | $0 |
| MEDICARE PARTS A & B | |||
| HOME HEALTH CARE: Medicare Approved Services. | |||
| Services | Medicare Pays | Plan Pays | You Pay |
| Medically necessary skilled care services and medical supplies | 100% | $0 | $0 |
| Durable medical equipment: | |||
| First $140 of Medicare Approved Amounts | $0 | $0 | $140 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |
| OTHER BENEFITS - NOT COVERED BY MEDICARE | |||
| FOREIGN TRAVEL: Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA. (Canada & Mexico only.) | |||
| Services | Medicare Pays | Plan Pays | You Pay |
| First $250 each calendar year | $0 | $0 | $250 |
| Remainder of charges | $0 | 80% to a lifetime maximum of $50,000 | 20% and amounts over the $50,000 lifetime maximum |