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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
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(Lowest Rates in the Industry for your Area)