Medicare Supplement Plan D
Medicare Supplement Plan D bridges most of the high risk gaps not covered by Original Medicare Insurance. Plan D does not provide coverage for Medicare Part B deductible, Part B Excess Charges or Preventive Care. For this reason, the premiums are less than the more popular and comprehensive Medigap plan F.
Medicare Supplement Plan D Coverage
Basic Benefits including:
- Hospital Coinsurance
- Medicare Part B Coinsurance (Generally 20% of outpatient expenses)
- 365 Additional Days Hospitalization Coverage
- Additional Blood Coverage
- Skilled Nursing Coinsurance
- Medicare Part A Deductible
- Foreign Travel Emergency
- Hospice Care Coinsurance or Copayment
Medicare Supplemental Plan D does not Cover:
- Medicare Part B Deductible
- Medicare Part B Excess Charges
- Preventative Care
To get the best prices for the standardized Plan D, or any of the Medigap plans available in your state, you can request a quote from Medigap4Seniors. Just fill out the contact form at the top of the page and you will receive a no obligation quote for the plan that suits you best. If you need assistance you can call us at 888.502.5553 and a Medicare insurance specialist will answer any questions you might have.
| MEDICARE PART A – HOSPITAL INSURANCE PER BENEFIT PERIOD | |||
| The CMS (Centers for Medicare and Medicaid Services) defines a benefit period as the time from the first day you are admitted to the hospital until 60 days after you leave) | |||
| Service: | HOSPITALIZATION Provides semi-private room + general nursing services and supplies | ||
| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| First 60 days | Everything over $1,364 | $1,364 | $0 |
| 61-90 days | Everything over $341/day | First $341/day | $0 |
| 91 + days: | — | — | — |
| While using 60 day lifetime Reserve | Everything over $682/day | First $682/day | $0 |
| After 60 day lifetime Reserve is exhausted | — | — | — |
| Additional 365 days | $0 | 100% of Eligible Expenses | $0 |
| Days after the additional 365 days | $0 | $0 | 100% of all costs |
| Service: | Skilled Nursing Facility (SNF) Care You must met Medicarer’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital: | ||
| First 20 days | All approved amounts | $0 | $0 |
| 21-100 days | Everything over 170.50/day | $170.50/day | $0 |
| 101 + days | $0 | $0 | 100% of all costs |
| Service: | Blood | ||
| First 3 pints | $0 | 3 pints | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Service: | Hospice Care Available as patient option with doctor certification of terminally ill status | ||
| All costs (excluding limited coinsurance for outpatient drugs and inpatient respite Care | Remainder | $0 | |
| MEDICARE PART B – PER CALENDAR YEAR | |||
| Service: | Part B provides coverage for doctors services outside the hospital setting and other medical services that Part A doesn’t cover such as Doctor visits — whether received as an inpatient at a hospital or at a doctor’s office, or as an outpatient at a hospital, Laboratory tests and X-rays, Physical therapy or rehabilitation services, Ambulances service, Some home health care and Various medical equipment and supplies when they are medically necessary. | ||
| Medicare Insurance Pays | Medigap Plan Pays | You Pay | |
| First $185 of approved Medicare Amounts Deductible | $0 | $0 | $185 (Plan B deductible) |
| Remainder of Approved Amounts | 80% | 20% | $0 |
| Part B Excess Charges (not Medicare Approved) | $0 | $0 | 100% of all costs |
| Service: | Blood | ||
| First 3 pints | $0 | 100% of costs | $0 |
| Next $185 of Approved Amounts | $0 | $0 | $185 (Plan B Deductible) |
| Remainder of Approved Amounts | 80% | 20% | $0 |
| Services: | Clinical Laboratory Service | ||
| Blood test for Diagnostics | 100% | $0 | $0 |
| MEDICARE PARTS A and B | |||
| Service: | Home Health Care | ||
| Medicare Insurance Pays | Medigap Plan Pays | You Pay | |
| Necessary skilled care Services and supplies | 100% | $0 | $0 |
| First $185 of approved Durable Medical Equipment | $0 | $0 | $185 (Part B Deductible) |
| Remainder of approved amounts | 80% | 20% | $0 |
| ADDITIONAL BENEFITS NOT COVERED BY MEDICARE | |||
| Service: | Foreign Travel Medical Emergency services during the first 60 days outside the U.S. | ||
| First $250 of each calendar year | $0 | $0 | $250 |
| Remainder of costs | $0 100% of max | 80% (lifetime max of $50,000) | 20% + lifetime |
(Lowest Rates in the Industry for your Area)
Medicare Savings
Doug &Carol M. Warren MI
Old Plan F $442
New Plan F $256
Monthly savings $186
Annual savings $2232
CJ &Mary M.BreckenridgeTX
Old Plan F $360
New Plan F $207
Monthly savings $153
Annual savings $1836
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