Medicare Supplement Plan D

Medicare Supplement Plan D covers the basic set of benefits. These basic benefits include most Medicare Part A and Part B co-insurance amounts, blood, and additional hospital benefits not covered by Original Medicare. Medicare Supplement Plan D also covers the Part A deductible,  however, it does not pay for the Part B deductible. According to AHIP, only 1% of Medigap policy holders are enrolled in Plan D. Plan D is a very good Medicare Supplement plan.It is similar to the popular Plan G. The only difference is that Plan D does not pay for the Part B Excess Charges. Unfortunately, Plan D is not offered by many insurance companies. As a result, the plan is not as popular as others.

Medicare Supplement Plan D Benefits

Part A Hospital Coinsurance

• Days 61-90 of a hospital stay in each Medicare benefit period.
• Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime.

Additional Part A Hospital Benefits

• An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits.

Part B Coinsurance

• Pays for the Part B coinsurance after you meet your annual deductible. The Part B co-insurance is 20%.

Part A and B Blood Coverage

• Pays for the first three pints of blood per calendar year.

Part A Hospice Coinsurance

• Pays for outpatient prescriptions drug and inpatient respite care coinsurance.

Part A Deductible

• In 2020, the Medicare Part A Deductible is $1,408. Medigap Plan D covers the deductible amount.

Part B Deductible

• In 2020, the Medicare Part B Deductible is $198. It increased $13 from $185 in 2019. Medigap Plan D does not cover the deductible amount. In other words, you will have to pay the first $198 for Medicare approved medical services.

Skilled Nursing Facilities

• In 2020, the co-payment for skilled nursing is $176/day for days 21-100. Medigap Plan D covers the co-payment amount.

Foreign Travel Emergency

• Plan D pays only for emergency care
• Pays only after you first meet and pay a $250 deductible.
• Pays 80% of billed charges for Medicare eligible expenses for medically necessary hospital, physician, and medical care received in a foreign country. You would be responsible for the other 20%.
• Has a $50,000 lifetime maximum benefit.

Plan D Enrollment by State

The following data is provided by Ahip.org and it is as of December 31, 2017:

• Florida had 44,604 people enrolled in Medigap Plan D. Plans C, F, and also N had more enrollees.

• Illinois had 17,846 enrollees in Plan D. Plans F, G and also N had more enrollees.

• South Carolina had 14,084 people enrolled in Plan D. Plans F, G and also N had more enrollees.

• Pennsylvania had 9,281 people enrolled in Plan D. Plans F, G and also N had more enrollees.

• Vermont had 8,606 enrollees in Medigap Plan D. Plans C, F and also N had more enrollees.

• Texas had 8,275 people enrolled in Plan D. Medigap Plans C, F, G and also N had more enrollees.

• Ohio had 7,697 people enrolled in Medigap Plan D. Plans F, G and also N had more people enrolled.

• Tennessee had 5,462 enrollees in Plan D. Plans C, F, G and also N had more people enrolled.

• Missouri had 4,854 people enrolled in Plan D. Plans C, F, G and also N had more people enrolled.

• Indiana had 2,665 enrollees in Plan D. Medigap Plans C, F, G and also N had more enrollees.

• Delaware had 2,457 people enrolled in Plan D. Plans F, G and also N had more people enrolled.

• North Carolina had 2,087 enrollees in Plan D. Plans B, C, F, G and also N had more enrollees.

• Oklahoma had 2,072 enrollees in Plan D. Medigap Plans C, F, G and also N had more enrollees.

• Georgia had 2,121 enrollees in Medigap Plan D. B, C, F, G, K and also N had more enrollees.

• New Jersey had 2,067 people enrolled in Medigap Plan D. Plans C, F, G, K, L and also N had more enrollees.

• California had 1,919 enrollees in Plan D. Plans A, B, C, F, G, K, L and also N had more enrollees.

• Maryland had 1,858 people enrolled in Plan D. Plans A, B, C, F, G, K and also N had more enrollees.

• New York had 1,388 enrollees in Plan D. A, B, C, F, G, K, L and also N had more enrollees.

• Connecticut had 1,292 enrollees in Plan D. Plans A, B, C, F, G, K and also N had more enrollees.

• Kansas had 1,264 people enrolled in Plan D. Medigap Plans F, G and also N had more enrollees.

• Virginia had 1,233 enrollees in Plan D. A, B, C, F, G, K and also N had more enrollees.

• Michigan had 1,171 enrollees in Plan D. Plans A, C, F, G, K and also N had more enrollees.

• Mississippi had only 695 people enrolled in Plan D. Plans A, B, C, F, and also N had more enrollees.

• Utah had 833 people enrolled in Plan D. Plans C, F, G and also N had more enrollees.