Medigap Plan D

Medigap Plan D covers a solid set of Medicare gaps — including hospital costs, SNF coinsurance, and foreign travel — but does not cover the Part B deductible or Part B excess charges.

What Plan D Covers

Benefit	Covered
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted	✓
Medicare Part B coinsurance or copayment	✓
First 3 pints of blood	✓
Part A hospice care coinsurance or copayment	✓
Skilled nursing facility (SNF) care coinsurance	✓
Medicare Part A deductible	✓
Foreign travel emergency (up to plan limits)	✓
Medicare Part B deductible	✗
Medicare Part B excess charges	✗

How to Compare Plans

Because Medigap benefits are standardized by the federal government, Plan D covers the exact same benefits at every insurance company that sells it. The only difference between carriers is the premium — which can vary by 30–50% for the same plan and the same applicant. Working with an independent broker lets you see the full market and pick the lowest price for identical coverage.

Is Medicare Supplement Plan D Right for You?

Plan D is a solid mid-tier option that covers most of Medicare’s major cost-sharing gaps — including the Part A deductible, skilled nursing coinsurance, and foreign travel emergencies — while excluding the Part B deductible and Part B excess charges. It is available to anyone who becomes Medicare-eligible on or after January 1, 2020.

Plan D tends to be less commonly sold than Plan G or Plan N, which means fewer carriers offer it and premium competition may be more limited in some markets. For most new enrollees, Plan G offers more complete coverage for a comparable premium. An independent broker can run a side-by-side comparison of Plan D versus Plan G and Plan N in your area so you can make an informed decision.