Medicare Supplemental Insurance Plan D is one of ten available Medigap plans. To
be eligible to get hold of this plan, a recipient must have both Medicare Part A
and Medicare Part B, yet require some additional coverage.
Medigap Part D offers a variety of benefits to supplement a recipient's original
Medicare plan. These benefits include hospital coinsurance, Part A coinsurance, and
additional blood coverage. This means that a recipient's hospitalization costs will
be covered, they will take delivery of coverage for an additional one year of hospitalization,
and they will not be liable for paying for the first three pints of blood they get.
Recipients will also receive Plan B coinsurance, which will cover the residue of
various approved medical services. At this time, all Medigap plans offer these benefits
in order to supplement a recipient's Medicare coverage.
However, Part D also offers a few additional benefits along with its basic coverage.
Part D offers Skilled Nursing Facility Care coinsurance, which means that the plan
will cover day 21 to day 100 spent in a nursing facility. Part D will also cover
the costs incurred by at home care, up to $1,600.
Medigap Part D also covers a recipient's Medicare Part A deductible and 80% of the
cost of emergency care.
Unfortunately, Part D will not cover a few important costs that are covered by other
Medigap plans. Recipients will be responsible for their Plan B deductible, the cost
of preventative care, and Plan B excess costs. Because these costs are not covered,
Part D is less expensive than other plans that cover these costs. This is why Medicare
recipients should suspiciously think about a number of Medigap plans before deciding
whether Part D is the best plan to fit their budget and their health insurance needs.