Medigap Plan L Details

Find out how Medigap Plan L works and what it covers

by Senior 65+ on Oct 23, 2015

Medigap Plan L Overview

Medicare Supplement Plan L fills in some of the gaps in coverage that Original Medicare leaves. Plan L offers supplemental coverage that has a lower monthly premium than some other Medigap plans because it has less benefits.

Remember Medigap plans are designed to complement Original Medicare Part A and Part B. 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 L.

Medigap Plan L Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan L
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,408* You pay 25%
Hospital days 61-90 You pay $352 per day per day You pay $0, after Part A deductible
Hospital Days 91-150 You pay $704 per day 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 $176 per day You pay 25%, after Part A deductible
Hospice Respite Care You pay 5% You pay 1.25%
First 3 Pints of Blood You pay 100% You pay 25%, after Part B deductible
Additional Blood You pay $0 You pay $0, after Part B deductible
Part B Annual Deductible You pay $198 You pay $198
Ambulance You pay 20% (Part B deductible applies) You pay 5%, after Part B deductible
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You pay 5%, after Part B deductible
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay 5%, 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 5%, after Part B deductible
Urgent Care You pay 20% (Part B deductible applies) You pay 5%, after Part B deductible
Max Out of Pocket No Max $2470


Next Steps for Medigap Plan L

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

The fine print of the Medigap Plan L 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 ($1,408).

 

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