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 Deductible||100% coverage|
|Medicare Part B Deductible||No coverage|
|Medicare Part B “Excess Charges”*||No coverage for excess charges*|
|Copayment or Co-Insurance Fee for Medicare Part B services||100% coverage|
|Part A Co-Insurance Fees & Hospital Costs for up to 365 days after Original Medicare Benefits are Exhausted||100% coverage|
|Cost of first 3 Pints of Blood||100% coverage|
|Copayment or Co-Insurance Fee for Medicare Part A Hospice Care||100% coverage|
|Co-Insurance Fees for Skilled Nursing Facility Care||100% 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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