Medicare Supplement Plan L

medicare supplement plan l

Medicare Supplement Plan L does not cover the Part B deductible, however, it does pay for 75% of the Part A deductible. Less than .5% of Medigap policy holders are enrolled in Medicare Supplement Plan L. Plan L is not offered by many insurance companies.

The Medicare Modernization Act of 2003 introduced Medigap Plans K and L. Plan L covers the basic set of benefits. These basic benefits include most Medicare Part A and B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare. Plan K also covers the Part A Deductible(75%) and Skilled Nursing Facilities(75%). Plan L has an out-of-pocket annual limit of $2,940 in 2020.

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

  • Plan L pays for the Part B coinsurance at 75% after you meet your annual deductible.

Part A and B Blood Coverage

  • Pays for the first three pints of blood at 75% per calendar year.

Part A Hospice Coinsurance

  • Pays for outpatient prescriptions drug and inpatient respite care coinsurance at 50%.

Part A Deductible

  • In 2020, the Medicare Part A Deductible is $1,408. Medigap Plan L covers the deductible amount at 50%.

Skilled Nursing Facilities

  • In 2020, the co-payment for skilled nursing is $176/day for days 21-100. Medigap Plan L covers the co-payment amount at 50%.

Enrollment by State

The following data is provided by Ahip.org and it is as of December 31, 2018:

  • Ohio has 6,310 enrollees in Plan L. Plan L has more enrollees than Plans A, B and K and M.
  • Florida has 4,232 people enrolled in Plan L. Plan L has more enrolless than Plan M.
  • Texas has 3,472 enrollees in Plan L. Plan L has less than enrollees than all Medigap Plans offered.
  • New York has 3,217 enrollees in Plan L. Only Plans D and M have less enrollees than Plan L.
  • New Jersey has 2,846 enrollees in Plan L. Plan L has more enrollees than Plans B, D and also M.
  • California had 2,826 enrollees in Plan L. Only Plans D and M have less enrollees than Plan L.
  • Illinois had 1,840 enrollees in Plan L. Plan L has less than enrollees than all Medigap Plans offered.
  • Pennsylvania has 1,698 people enrolled in Plan L. Only Plan M has less enrollees than Plan L.
  • Oklahoma has 1,544 enrollees in Plan L. Plans B, K and also M have less enrollees.