Medicare Supplement (Medigap) Plan D is not to be confused with Part D
Supplement Plan D covers most of the gaps in Medicare, with the exception of the Part B deductible and also any excess charges.
- Part B Deductible – $198 for 2020
- Excess charge is an additional amount you will pay if a provider charges more than the Medicare allowed amount.
You will pay an out of pocket for these two minor items if you purchase a Supplement Plan D. It DOES however cover all of the most important things, like the 20% of outpatient services that you would otherwise be responsible for.
Among the 10 Medicare Supplement plan types, Supplement Plan D might be viewed as the midpoint in terms of the amount of coverage. Plan D offers more coverage than Plans A and B, but does not offer the additional benefits covered by Plans C and F. Certain benefits included in other plans, such as the Medicare Part B deductible and Part B excess charges, are not covered under Plan D.
It’s important to compare the cost between Supplement Plan D and Plans F or G, which have more benefits. This will help you determine if the low monthly savings is worth the additional out of pocket expense to you.
- Some people would rather pay more for their supplement if they know that they will not have any out of pocket when they use their plan.
- Others prefer a low monthly premium and don’t mind having a little out of pocket as they use their plan.
What is the Difference Between Part D to Plan D?
It’s very easy to get confused about Part D and Plan D. These letters are very identical, it’s hard to remember and know what the all names and terms do.
- Medicare Part D is the prescription drug program available to all beneficiaries. It is essentially a pharmacy card.
- Medicare Supplement Plan D, on the other hand, is just one of the 10 Medicare Supplements that are available to you.
At Nevada Medicare we can make it easy for you – call us for a hassle-free help in understanding your benefits. Contact Us today.