Medigap Plan D
Medicare Supplement (Medigap) Plan D is another option you can buy to supplement your Original Medicare benefits. Don’t confuse PLAN D with PART D, which is for retail prescription drugs.
Medigap Plan D Benefits
Plan D also offers great benefits, like:
✔ First 3 pints of blood
✔ Medicare Part A deductible
✔ Medicare Part B coinsurance
✔ Part A hospice care coinsurance
✔ Skilled nursing facility coinsurance
✔ Part A coinsurance and hospital costs
✔ Foreign travel emergency — up to plan limits
The only items not covered are the Medicare Part B deductible and Part B excess charges.
More on Plan D
While you’ll pay out-of-pocket for these two small items, Plan D covers the most important things — such as the 20% of outpatient services that you’d normally owe.
Is Plan D Right for You?
Before you buy a Medicare Supplement plan, it’s critical to understand the coverage you already have.
Some beneficiaries prefer to pay more for their policy if they know that it will cover all the gaps. Others agree to a little cost-sharing in exchange for lower premiums. It’s entirely your decision!
Plan D Is Not Part D
The letter D is used in two different places, which can be confusing!
Medicare Part D is the prescription drug benefit available to all recipients. It’s basically a pharmacy card. By contrast, Medigap Plan D is one of the ten standardized supplements that you can buy through an agent like us or through the private carrier directly. It doesn’t cost you anything to get advice from our experts, so what do you have to lose?
Contact Simple Retirement Benefits for a Quote
For all your Medigap questions, or to get a FREE quote, call us at 512-432-5414.
