Medigap Plan D is a Supplemental Plan that helps cover out-of-pocket expenses left by Original Medicare. It is one of 10 standardized Medicare Supplement plans sold by private insurance companies approved by Medicare, like Jersey Insurance Solutions. To avoid any confusion, Medicare Supplement Insurance Plan D is not the same as Medicare Part D which provides drug prescription coverage, so do not mix these terms.
Plan D coverage
Plan D has one additional benefit of the coverage, unlike Plans A and B, so it covers skilled nursing facility care among other basic benefits. Therefore, coverage includes:
- Part A hospital coinsurance and hospital costs for an additional 1 year after Original Medicare benefits dried out
- Part A hospice care coinsurance payment and copayments
- Part B copayment and coinsurance payment
- First three pints of blood
- Skilled nursing facility care coinsurance
- Part A deductible
- 80% of a foreign travel emergency
Therefore, Plan D doesn’t provide coverage for:
- Part B deductible
- Part B excess charges
Plan D costs
You’ll be responsible for the Medicare Part B deductible which is $226 in 2023, but this is subject to change every calendar year. After you meet the deductible you’ll get full coverage from your plan. You also must pay a monthly premium which can cost you up to 200$ a month.
Plan D Enrollment
You can enroll in any Medigap plan during the initial enrollment period called Medigap Enrollment Period as long as you are both 65 and enrolled in Part B. The initial Period lasts 7 months (three months before and after the 65th birthday). You can also enroll any other time you want during the Annual enrollment periods.
