There are 10 standardized Medigap plans which are also known as Medigap. The Medicare supplement plans are lettered from A-N and each plan covers specific medical issues. They cover the 20% not covered by Medicare Part A and Medicare Part B. Between the 10 plans Medicare supplement plan D seems to be in the middle of the coverage available. Each of the Medicare supplement plans will cover certain benefits. With Medicare supplement plan D it covers more than Plan A or Plan B, but does not cover as much as Medicare supplement plan C and Plan F. If one chooses Medicare supplement Plan D, they will find that the Medicare Part B deductible and Part B excess charges are not covered.
You ought not mistaken the Medicare supplement Plan D with Medicare Part D. Medicare Part D is a plan that will help with one’s prescription drugs only and secured through Medicare and Medicare Advantage Plans. Medicare supplement Plan D is a supplement plan to help cover the 20% medical expense not covered by Original Medicare. Some of the benefits of Medicare supplement Plan D are Medicare Part B copayments or coinsured. Medicare Part A hospital coinsurance costs beyond the 365 days Medicare pays for are also covered, as well as, Medicare Part A hospice copayment or coinsurance. Other benefits include foreign health care upto 80%, first three pints of blood used in a medical procedure and coinsurance of a nursing home.
Excess charges are when a physician charges more than the amount Medicare approves and are allowed to charge 15% above the approved amount Medicare allows. Medicare supplement Plan D does not cover Medicare Part B deductibles or excess charges. These excess charges will be the responsibility of the recipient. Medicare supplement Plan D may not cover these excess charges but you will find that Medicare supplement plans F and G will take care of them. One must understand that not all issuance companies will include all Medicare supplement plans. They are obligated to offer Medicare supplement plan A. If they do offer other plans they will likely be Medicare supplement plans C or Plan F. The cost of the monthly premiums will definitely be different in the area you reside than someone who lives in another state. It is best for a Medicare recipient to look into all the Medicare supplement plans to see what will be their medical needs and their budget.