Medicare Supplement Insurance Plan D covers most of the high risk areas not covered by Medicare Insurance. A plan D can sometimes be less expensive than other more comprehensive plans such as Plan J or Plan F but leaves gaps in coverages that these other plans don’t.

Medicare Insurance Recipients who choose plan D often do so because they don’t feel they need coverage for the Part B Deductible, Preventative Care and Part B Excess Charges and wish to save money on their premium by taking lesser coverage. Before purchasing a Plan D, make sure to compare rates on more comprehensive Medicare Supplement Insurance Plan such as Plan J. Often by shopping different companies you can find a more comprehensive plan for a lower rate.

Covered by Plan D

Basic Benefits:

* Part B Coinsurance (Generally 20% of outpatient expenses)
* Hospital Coinsurance
* 365 Additional Days Hospitilization Coverage
* Blood Deductible Coverage

Skilled Nursing Coinsurance

Part A Deductible

Foreign Travel

At Home Recovery

Not Covered by Plan D

Part B Deductible

Part B Excess

Preventative Care
Plan D is only recommended on very rare occasions. For most people, you are better off with a more comprehensive Medicare Supplement Plan such as Plan J.