Medigap Plan K Overview

Medigap Plan K is one of the 10 federally standardized Medicare Supplement plans. Medigap Plan K fills in some of the gaps of Original Medicare (Part A and Part B) but still requires you to pay part of your healthcare costs, therefore keeping the premium more manageable.

Remember Medigap plans are designed to complement Original Medicare. Below is a list of what you would pay under Original Medicare alone, and then what you would pay if you enroll in Medigap Plan K.

Medigap Plan K Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan K
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,632* You pay 50%
Hospital days 61-90 You pay $408 per day You pay $0, after Part A deductible
Hospital Days 91-150 You pay $816 per day (lifetime reserve days) You pay $0, after Part A deductible
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0, after Part A deductible
Skilled Nursing Facility Care Days 21-100 You pay $204 per day You pay 50%, after Part A deductible
Hospice Respite Care You pay 5% You pay 2.5%
First 3 Pints of Blood You pay 100% You pay 50%, after Part B deductible
Additional Blood You pay $0, Part B deductible applies You pay $0, after Part B deductible
Part B Annual Deductible You pay $240 You pay $240
Ambulance You pay 20% (Part B deductible applies) You pay 10%, after Part B deductible
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You pay 10%, after Part B deductible
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay 10%, after Part B deductible
Part B Excess Charges You pay 100% (Part B deductible applies) You pay 100% (Part B deductible applies)
Foreign Travel Emergency You pay 100% You pay 100%
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay 10%, after Part B deductible
Urgent Care You pay 20% (Part B deductible applies) You pay 10%, after Part B deductible
Max Out of Pocket No Max $4940

Next Steps for Medigap Plan K

Get quote: Click here to see prices for Plan K
Check out Medigap Plan Detail Overview where you can find every Medigap plan available.

The fine print of the Medigap Plan K Chart Above

*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,632).