Medicare Supplement Plan D is one of the insurance plans used to help cover certain costs not covered by Original Medicare. It is important to note that Medicare Supplement Plan D is not the same as Medicare Part D, which covers prescription drugs.
Coverage for Plan D
Plan D offers more coverage than Plans A and B:
- Coinsurance payments (Medicare Part A) for inpatient hospital care up to an additional year after the Medicare benefits have been used up
- Copayment or coinsurance expenses for Medicare Part B
- First three pints of blood used in a medical procedure
- Hospice care coinsurance expenses or copayments for room and board” while you are hospitalized as an inpatient. This means that Medicare Part A
- Skilled nursing facility care coinsurance
- Part A deductible
- 80% of foreign travel emergency expenses but only up to plan limits
With Plan D, you can save thousands of dollars in medical expenses. If Medicare pays for a service, then there will be no worry about Plan D covering its portion of the benefits mentioned above.
What is not covered by Plan D?
While Plan D does offer more benefits than Plans A and B, it lacks the coverage for deductibles or excess charges from Medicare Part B. These will all be out-of-pocket expenses unless you choose to go with Plans F or G.
As mentioned above, do remember that Plan D also does NOT offer coverage for prescription drugs as Medicare Part D does. There are no Medicare Supplement plans that cover prescription drugs.