Medigap Plan D
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Supplemental or Medigap Plan D is usually used for things like copays and deductibles not covered by the medicare program. Many people use Medigap Plan D for things like emergency room visits in international settings, certain additional costs or coinsurance from other medicare plans that are not covered. People with Medigap Plan D also do not need to worry about whether their provider is part of their network or not.
All Medigap Plan D policies offers the following standard set of benefits:
Medicare Part A deductible
Medicare Part A hospital and coinsurance costs up to 365 days after Original Medicare benefits runout
Medicare Part A hospice care coinsurance and copayments
Medicare Part B coinsurance and copayments
First three pints of blood used in a medical procedure
Coinsurance costs for Skilled Nursing Facility care
Foreign travel emergency care (with limitations)
The average monthly cost for Medigap Plan D insurance is also about $300 per month, so the cost can outweigh the benefits for some people.
It is important to note the Medigap Plan D is different from Medicare Part D. Medicare Part D is the program created by the federal government that helps those who are eligible for medicare to pay their prescription drug costs.