Medigap Plan D – Medicare Supplement

Medigap Plans
Part A Hospital Coinsurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Benefit for Blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $4,940 $2,470 N/A N/A

Medicare Supplement Part D is designed to cover most of the high risk gaps that are not covered by the Original Medicare Insurance. This plan also offers lower premiums than the more comprehensive plans like Plan F. Medicare Supplement Part D is one of the few Supplement Plans that has offered enrollees Preventative Care Coverage.

Part D coverage includes the Basic Benefits that include hospital coinsurance, the Medicare coinsurance for Part B, which is generally 20% of outpatient expenses, 365 additional days of hospitalization coverage, and additional blood coverage. Part D also includes skilled nursing coinsurance, the deductible for part A, and Hospice Care coinsurance. Hospice Care will be included in all Medicare Supplement plans as of 2010.

Part D does not include coverage for the Part B deductible, any excess costs for Part B, or Preventative Care. Excess costs stem from the inequity between what the doctor charges you and what Medicare will subsidize. The doctor can charge you up to 15% of the amount not covered by Medicare, an some plans will cover this amount.

Part D has typically included At Home Recovery Care as well. This service is being phased out as a part of Medicare’s modernization efforts. Effective June 1, 2010 there will be changes to some plans, a few plans will no longer be offered, and two new plans are going to be offered.

One of the main changes in Medicare’s effort to modernize their plan offerings is the elimination of certain benefit options. Preventive Care and At Home Recovery are being removed due to a lack of use, making Part D and Plan E identical. This is why Plan E is being eliminated and Plans M and N are being introduced in place of the eliminated plans.

It can be difficult to determine which plan is right for you, and not all providers offer all of the Medicare Supplement Plans . Our trained specialists can help you find the plan that best fits your needs and budget. Most insurance carriers offer a variety of plans, so our specialists can help you shop around for the best price.

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