Medicare Supplement Plan D

Medicare Supplement Plan D is one of 10 lettered Medicare Supplement insurance options you can choose when purchasing Supplemental health insurance. Medicare Supplement Plan D deserves some consideration if you’re looking for an option with middle-of-the-road monthly premiums and benefits.

Medicare Supplement Plan D Benefits

When you compare plans like Medicare Supplement Plan D, it’s essential to look at the costs, coverage, and benefits. You may be wondering about Medicare Supplement Plan D rates, and you could be wondering how the coverage and benefits compare to other Medicare Supplement plans. We are here to help you better understand Medicare Supplement insurance Plan D so that you can determine if it’s the best plan for you.

What is covered by Medicare Supplement Plan D?

  • Medicare Part A deductible
  • Medicare Part A hospice care coinsurance and copayments
  • Medicare Part A coinsurance for hospital costs
  • Medicare Part A copayments for hospital costs
  • Medicare Part B coinsurance
  • Medicare Part B copayment
  • First 3 pints of blood when needed for a medical procedure
  • Skilled nursing facility care (SNF) coinsurance
  • Foreign travel emergency care (80 percent of approved costs, up to your plan limits)

What is not covered by Medicare Supplement Plan D?

Beneficiaries of these Medicare Supplement plans can enjoy many benefits on top of their basic Medicare benefits, such as payment of the Medicare Part A deductible. Beneficiaries can also enjoy savings on doctor’s office visits and other costs that Original Medicare doesn’t cover.

However, these Medicare Supplement plans don’t cover everything. Knowing what isn’t covered is best, so you’ll be ready for these costs. These are some of the benefits that aren’t covered by your Medicare benefits or Medigap Plan D health insurance:

  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Medicare Part B premium
  • Prescription drug plan

Of course, the Medicare Part B premium isn’t covered by even the best Medicare Supplement plans. Prescription drug plans are not included in any of the Medicare Supplement plans, either, so it’s best to purchase a separate stand-alone Medicare Part D drug plan.

How Much Does Medicare Supplement Plan D Cost?

Medicare Supplement Plan D rates are pretty middle-of-the-road when compared to rates for other Medicare Supplement insurance plans. Monthly premiums for Medicare Supplement insurance Plan D are usually cheaper than some of the more comprehensive plans, such as Medicare Supplement Plan F. However, since you’ll be getting more than just the basic benefits of a simple plan like Medigap Plan A, you’ll probably have to pay a little more than you would for some plans. Therefore, it’s best to take the time to make a comparison and look for the best Medicare Supplement Plan D pricing; then, you can enjoy this plan for the most reasonable price.

  • Community-rated – Medicare Plan D rates that are community-rated mean that everyone who has Medicare Supplement Plan D through the same insurance company will pay the same rates.
  • Issue-age – Rates that are based on your issue age are set based on how old you are when you sign up for Medicare Supplement Plan D. Signing up when you’re 65 is the key to scoring the best Medicare Supplement Plan D pricing when you’re dealing with an insurance company that uses this model.
  • Attained-age – Medigap Plan D rates calculated with this model may seem the cheapest when you first sign up. Be aware that you will experience pricing increases as you get older.

Here are some price ranges for a 65-year-old non-tobacco female living in 15043, Pennsylvania 

  • Plan D price ranges: $119.65 – $128.87

What Companies Offer Medicare Supplement Plan D?

In our opinion, the best-rated Medicare Supplement companies offering Medigap Plan D are listed here. We have reached this conclusion after helping many different beneficiaries who wanted to compare plans, monthly premiums, and providers. Other good companies offer Medigap plans like Medicare Supplement Plan D, but these are our three favorites:

We think that these are the best Medicare Supplement insurance companies when compared to your other insurance company options for these reasons:

  • Top financial strength and ratings
  • Long history in the health industry
  • Great tools and ease of access at all points of the process
  • Great customer service
  • Competitive rates and stability over time
  • Customer satisfaction

Many Medicare beneficiaries are concerned about the health care costs left over after the Medicare benefits from Original Medicare have been exhausted. Looking into your plan options and finding a lower premium from a top company like the ones listed above is possible and can help you enjoy more health care coverage to reduce your health care costs.

Does Medigap Plan D cover Prescription Drugs?

The federal Medicare program does not pay for most prescription medication. This is also true for Medigap Plan D and other Medicare Supplement plans.

If you’re concerned about how paying for your own prescription drug medication will affect your out-of-pocket medical expenses, you should not worry. You can enjoy prescription drug coverage benefits by purchasing one of the Medicare Part D plans.

You can purchase your Medicare Part D plan from a private insurance agency and use it along with your Medicare Supplement plan and Original Medicare. You do not have to buy your plan from the same insurance agency from which you buy your Medigap policy, so compare your options from different companies to enjoy the cheapest monthly premiums and the best benefits.

Also, don’t wait too long to sign up for these benefits. It’s best to sign up as soon as you’re eligible for and enrolled in Medicare Part A and Part B. This is important if you don’t want to be subject to a Medicare Part D late enrollment penalty. It’s also important if you want to start enjoying benefits right away, such as if you have a lot of prescription drug-related costs.

When can you enroll in Medicare Supplement Plan D?

The Medigap Open Enrollment Period gives you six months to compare, look for and sign up for a Medicare Supplement plan like Medicare Plan D. Along with signing up for Medicare Part A and Part B during this time; you will want to start looking for your Medicare Supplement plan. This allows you to avoid medical underwriting and guarantees that you will be able to sign up for a plan.

Medicare Supplement Plan D Review

You are probably interested in Medicare Supplement plans like Medicare Plan D because you want to save money on medical expenses and medical services, such as doctor’s office visits, emergency room visits, and more. However, you probably want a good balance of benefits and an affordable monthly premium.

If this is the case, Medigap Plan D might be right for you. Pricewise, the Medigap Plan D rates are somewhere in the middle of the most expensive and the cheapest plans. So if you shop for the best Medicare Supplement Plan D pricing that you can find, this can help you save even more.

Medigap Plan D doesn’t cover everything, but it does provide more coverage than some of the Medigap plans that only offer basic benefits to enhance Original Medicare. You’ll want to compare plans so that you can make sure that it offers the benefits you want at a price you can afford.

Our licensed insurance agents are here to help you out. You can also use our website as a resource for comparing plans. You can even use our Medicare Supplement plans comparison chart to see and compare the benefits of each plan with ease — and look for Medicare Supplement plan quotes.

We even help United States beneficiaries like you one-on-one. We know that you want to avoid coverage gaps in your Medicare coverage and expensive out-of-pocket costs, and we want to assist you in finding options from private insurance companies that work with the U.S. government Medicare program.

If you’d like help finding the best Medigap Plan D policy or Medicare Advantage plan, give us a call and talk to a licensed insurance agent today. We can also tell you more about whether or not Medicaid might be an option for you to use along with Medicare Parts A and B, and we can also talk to you about Medicare prescription drug plans and how they can save you money!

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.