Medigap Plan L

Plan L works like Plan K at a richer share: full Part A hospital coinsurance, then 75% — instead of Plan K's 50% — of Part B coinsurance, blood, hospice cost-sharing, skilled nursing coinsurance, and the Part A deductible. Its annual out-of-pocket limit is lower, too: once you've met the annual Part B deductible and spent $4,000 in 2026, the plan pays 100% of Medicare-covered costs for the rest of the calendar year.

What does Plan L 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 75%
Blood (first 3 pints) — Covered 75%
Part A hospice care coinsurance or copayment — Covered 75%
Skilled nursing facility care coinsurance — Covered 75%
Part A deductible — Covered 75%
Part B deductible — Not covered
Part B excess charges — Not covered
Foreign travel emergency (up to plan limits) — Not covered

Who is Plan L a good fit for?

People who like Plan K's capped-risk design but want the plan carrying more of the load — 25% cost-sharing instead of 50%, and a lower ceiling ($4,000 vs $8,000).
People who expect steady medical use: the more care you actually receive, the more the 75% share and the lower limit matter.
Shoppers who want a middle step between the cost-sharing designs and full-coverage letters like G — quote all three and compare.

What are the trade-offs of Plan L?

You still pay 25% of most cost-sharing until you reach the $4,000 limit — predictable, but not zero.
No foreign travel emergency benefit, and Part B excess charges aren't covered — and excess charges don't count toward the out-of-pocket limit.
Whether the richer share justifies Plan L's premium difference against Plan K is arithmetic for your own quotes and your typical year, not a rule of thumb.

Key facts

Part A deductible: Covered 75% (2026)
Part B deductible: Not covered (2026)
Part B excess charges: Not covered (2026)
Yearly out-of-pocket limit, then the plan pays 100%: $4,000 (2026)
Sold by: Private insurers, standardized by federal law — same benefits at every company

Frequently asked questions

Does Plan L cover the Part B deductible?

No. You pay the annual Part B deductible yourself — $283 in 2026 — and Plan L picks up its share of covered services after that.

Does Plan L cover Part B excess charges?

No. If a doctor does not accept Medicare assignment, the excess charge — up to 15% above the Medicare-approved amount — is yours. Not every state allows those charges.

Does Plan L cover care outside the United States?

No. Plan L includes no foreign travel emergency benefit, and Original Medicare almost never pays for care outside the United States.

Is Plan L the same at every insurance company?

Yes. Medigap benefits are standardized by law, so Plan L is the same package of benefits whoever sells it. Price, service and rate history are what differ — three states (Massachusetts, Minnesota, Wisconsin) standardize their plans differently.

Sources

Medicare.gov — Medigap (Medicare Supplement Insurance) (accessed September 8, 2026)
CMS — Choosing a Medigap Policy (product 02110), benefit chart (accessed September 8, 2026)
CMS — 2026 Medicare Parts A & B Premiums and Deductibles (accessed September 8, 2026)