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Medigap Plan D

Medigap Plan D covers many of the out-of-pocket costs related to Original Medicare Part A and Part B. However, Plan D does not cover the Part B deductible for medical expenses and it also does not cover any excess charges by a doctor over the Medicare-approved amount for a service. In 2014, the Medicare Part B deductible amount is $147.

If you are interested in coverage for all of the out-of-pocket costs listed in the below table, consider Plan F.

Plan C Coverage
Medicare Part A Deductible100% coverage
Medicare Part B DeductibleNo coverage
Medicare Part B “Excess Charges”*No coverage for excess charges*
Copayment or Co-Insurance Fee for Medicare Part B services100% coverage
Part A Co-Insurance Fees & Hospital Costs for up to 365 days after Original Medicare Benefits are Exhausted100% coverage
Cost of first 3 Pints of Blood100% coverage
Copayment or Co-Insurance Fee for Medicare Part A Hospice Care100% coverage
Co-Insurance Fees for Skilled Nursing Facility Care100% coverage
Foreign Travel Medical Emergency Coverage (up to plan limits)Yes
Annual Limit on Enrollee Out-of-Pocket Expenses?Not applicable

Be careful not to mistake a Medigap Plan D for Medicare Part D coverage. Medigap Plan D is meant to cover the gaps (i.e. out-of-pocket costs) in Original Medicare. Medicare Part D is the prescription drug program. Contemporary Medigap plans do not include prescription drug coverage. Drug coverage must be obtained separately.

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