Medigap Plan D

What does Plan D cover?

• Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used) — Covered 100%
• Part B coinsurance or copayment — Covered 100%
• Blood (first 3 pints) — Covered 100%
• Part A hospice care coinsurance or copayment — Covered 100%
• Skilled nursing facility care coinsurance — Covered 100%
• Part A deductible — Covered 100%
• Part B deductible — Not covered
• Part B excess charges — Not covered
• Foreign travel emergency (up to plan limits) — Covered 80%

Who is Plan D a good fit for?

• People whose doctors all accept Medicare assignment — then excess charges never come up, and Plan D's coverage works exactly like Plan G's in practice.
• People in states that ban Part B excess charges, where the one benefit D lacks can't be billed at all — ask your advisor whether yours is one.
• People who want Plan G's shape without the excess-charge benefit and are curious how the letter prices in their state.

What are the trade-offs of Plan D?

• Part B excess charges aren't covered — a doctor who doesn't accept assignment can bill up to 15% above Medicare's approved amount in most states, and that bill is yours.
• You still pay the annual Part B deductible ($283 in 2026) — no plan sold to people newly eligible for Medicare on or after January 1, 2020 is allowed to cover it.
• Not every carrier offers every letter — Plan D quotes can be thin on the ground in some states, so ask what's actually quotable before anchoring on it.