Medigap Plan D — Solid Medicare Supplement Coverage Without Excess Charge Protection
If you are evaluating Medicare Supplement options, Medigap Plan D offers solid core coverage at a moderate premium. It covers most major out-of-pocket Medicare costs but does not cover Part B excess charges or the Part B deductible. As an independent Medicare insurance broker serving New York, New Jersey, and nationwide, here is what you need to know about Plan D.
What Does Medigap Plan D Cover?
Medigap Plan D includes the following benefits:
- ✅ Part A hospital coinsurance — up to 365 days after Original Medicare benefits are exhausted
- ✅ Part A deductible — covers the $1,736 Part A inpatient deductible in 2026
- ✅ Part A hospice care coinsurance or copayment
- ✅ Part B coinsurance or copayment — covers your 20% share of outpatient costs
- ✅ Part B preventive care coinsurance
- ✅ Skilled nursing facility coinsurance¹
- ✅ First three pints of blood
- ✅ Foreign travel emergency coverage
- ❌ Part B deductible — not covered ($257 in 2026)
- ❌ Part B excess charges — not covered
¹ Skilled Nursing Facility coverage requires you to meet Medicare’s requirements — including a prior hospital stay of at least 3 days and admission to a Medicare-approved facility within 30 days of leaving the hospital. A benefit period begins on the first day you receive inpatient hospital services and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 consecutive days.
Is Medigap Plan D Right for You?
Plan D offers broader coverage than Plans A and B and includes skilled nursing facility coinsurance and foreign travel emergency coverage. However, it does not cover Part B excess charges — meaning you could face additional costs if your doctors do not accept Medicare assignment.
For most seniors, Plan G or Plan N offers better overall value. However, Plan D may suit seniors who only see doctors who accept Medicare assignment and want comprehensive coverage without paying for excess charge protection.
Get a Free Medicare Supplement Consultation
Want to see how Plan D compares to all your other Medicare Supplement options? I can help, completely free of charge.
📞 Contact Craig Smith Insurance Group today at (917) 740-1895 for your free Medigap consultation. Serving New York, New Jersey, and nationwide.
