Plan D
Medicare Supplement Coverage

What is Medicare Supplement Plan D?

Medigap Plan D can be easy to confuse with Medicare Part D. Additionally, the names Medicare Supplement Plan D and Medicare Plan D are synonymous, however, they are not the same thing as Medicare Part D, which is a government-issued policy for prescription drug coverage. Where one is a policy offered by the government, Medicare Supplement Plan D 2020 is offered by insurance carriers, representing one of the 10 standardized Medigap Plans

This policy assists in paying some of the expenses that Original Medicare does not cover. These expenses are generally copays, coinsurance, and deductibles.   Medicare Supplement Insurance Plan D only works with Original Medicare, and you must be enrolled in both Parts A & B to enroll in the policy.

Medicare Supplement Insurance Plan D

Medicare Plan D Eligibility

Before getting into Medicare Supplement Plan D benefits, here are the general eligibility requirements for Medicare Part D:

  • You are at least 65 years of age and have been a US Citizen or permanent legal resident for at least five consecutive years
  • You are currently receiving retirement benefits
  • OR
  • You are disabled and therefore receiving disability benefits
  • You have End-Stage Renal Disease
  • You have Lou Gehrig’s disease or ALS

What does Medicare Supplement Plan D Cover?

Medicare Supplement Plan D coverage options can help you save money on certain expenses.  The Medicare Supplement Plan D copay benefit is on Original Medicare Part A & B coinsurance/copayments. The policy’s premium is paid each month to cover your coinsurance on Medicare Part B at 100%.

Medicare Supplement Plan D coverage options are as follows:

  • Hospital coinsurance and hospital costs for Medicare Part A up to 365 days after Original Medicare benefits are used up
  • Hospice care coinsurance or copayments for Medicare Part A
  • Copayments and coinsurance for Medicare Part B 
  • The first three pints of blood 
  • Coinsurance for skilled nursing facility care
  • Deductible for Medicare Part A 
  • Deductible for Medicare Part B 
  • Coverage for foreign travel emergency – 80% of approved costs up to the coverage limit
  • There are no networks. Visit any provider of your choice in any state that accepts Medicare.
  • The policy is guaranteed renewable. It will not be canceled as long as premiums continue to be paid.

The policy does not cover:

  • Medicare Part B deductible
  • Part B excess charges

Medicare Supplement Plan D Costs?

All Medigap policies are sold by private insurance carriers, so Medicare Supplement Plan D rates will be different from one carrier to another. However, because all Medigap policies are standardized, the policy is required to have identical basic benefits no matter which carrier you choose to buy from.