Medigap Plan L in Delaware

Plan Benefits

While many Medigap plans either pay or don’t pay for an out-of-pocket expense, Medigap Plan L often pays 75% of an expense.

Plan L has an annual out-of-pocket limit of $2,470. Once an enrollee’s out-of-pocket costs reach this amount, Plan L fully pays for all remaining out-of-pocket costs for covered services until the beginning of a new calendar year.

Key Coverages
  • 74.09539473684211% Part A Deductible
  • 75% Covered Skilled Nursing Costs
  • $2,470 Out of Pocket Cap
Key Gaps
  • Part B Deductible
  • Part B Excess Charges
  • Foreign Travel Emergencies

Additional Coverages

  • Hospitalization - coverage for 365 additional days after Medicare benefits end
  • Blood - pays 75% the cost for the first three pints of blood each year
See All Coverage Details

Medicare Part A Hospital Coinsurance/Deductible

What Medicare PaysWhat Medigap PaysWhat You Pay
Days 1-60
All but $1260$945$315
Days 61-90
All but $315 per day$315 per day$0
Days 91-150 (while using your 60 lifetime reserve days)
All but $630 per day$630 per day$0
Additional 365 Days
$0100% of Medicare-approved expenses$0 of Medicare-approved expenses
After the Additional 365 Days
$0$0All Costs

Medicare Part A Skilled Nursing Facility Coinsurance (for Medicare-covered stays)

What Medicare PaysWhat Medigap PaysWhat You Pay
Days 1-20
100% of approved amounts$0$0
Days 21-100
All but $157.50 per dayUp to $118.13 per day$39.37 per day
After 100 Days
$0$0All costs

Part A Hospice Care Coinsurance or Copayment

What Medicare PaysWhat Medigap PaysWhat You Pay
Hopsice care
100%0%0%
Prescription drugs
All but $5$3.75$1.25
Inpatient respite care
95%3.75%1.25%

Medicare Part B Excess Charges (above Medicare-approved amounts)

What Medicare PaysWhat Medigap PaysWhat You Pay
$0$0All Costs

Medicare Part B Clinical Lab Services

What Medicare PaysWhat Medigap PaysWhat You Pay
Tests for diagnostic services
100%$0$0

Blood

What Medicare PaysWhat Medigap PaysWhat You Pay
First 3 pints
$075%25%
After 3 pints
100%$0$0

Foreign Travel Emergency

What Medicare PaysWhat Medigap PaysWhat You Pay
$0$0All Costs

Medicare Preventive Care Part B Coinsurance

What Medicare PaysWhat Medigap PaysWhat You Pay
Routine check-ups and screening tests
80%20%0%

Insurance Providers

5 Companies Offer Medigap Plan L in Your Area

Company
Pricing Method
Colonial Penn Life
Attained Age RatedSelect
Humana
Attained Age RatedSelect
Everence Association
Issue Age RatedSelect
United American
Attained Age RatedSelect
UnitedHealthcare
Community RatedSelect

Physician Directory

Physicians that accept this plan.
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