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Medicare Supplement Plan D

Solid Coverage Without the Part B Deductible or Excess Charges

Monthly Premium
$90–$250/mo
New Enrollees
Available
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What Is Medicare Supplement Plan D?

Medicare Supplement Plan D provides solid coverage for hospital and skilled nursing facility costs, along with foreign travel emergency benefits. It covers the Part A deductible in full but does not cover the Part B deductible or Part B excess charges.

Plan D is a mid-tier Medigap option that covers most major Medicare cost-sharing except the Part B deductible and excess charges. It's available to all new Medicare enrollees and offers lower premiums than Plan G.

While Plan D is a legitimate option, it's less commonly offered than Plan G or Plan N. If you're considering Plan D, it's worth also comparing Plan N - which has similar cost-sharing but is more widely available and often more competitively priced.

Key Highlights

  • Covers Part A deductible and hospital costs in full
  • Covers skilled nursing facility coinsurance
  • Includes foreign travel emergency coverage
  • Does NOT cover Part B deductible or excess charges
  • Lower premiums than Plan G

What Does Plan D Cover?

BenefitCoverage

Part A hospital coinsurance & costs (up to 365 days after Medicare benefits)

Covered

Part A hospice care coinsurance or copayment

Covered

Part A deductible ($1,736 in 2026)

Covered

Part B coinsurance or copayment

Covered

Part B excess charges

You pay excess charges

Not Covered

Part B deductible ($283 in 2026)

You pay this once per year

Not Covered

Blood (first 3 pints)

Covered

Skilled nursing facility coinsurance

Covered

Foreign travel emergency (up to plan limits)

80% after $250 deductible, up to $50,000 lifetime

Covered

All Medigap plans are standardized by federal law. Benefits are identical regardless of which insurer you choose.

Plan D Pros & Cons

Pros

  • ✓ Covers the significant Part A deductible ($1,736)
  • ✓ Full skilled nursing facility coinsurance coverage
  • ✓ Foreign travel emergency included
  • ✓ Lower premiums than Plan G
  • ✓ Available to new Medicare enrollees

Cons

  • ✗ Does not cover Part B deductible
  • ✗ Does not cover Part B excess charges
  • ✗ Less popular than Plan G or N - fewer carriers may offer it
  • ✗ Plan N often offers similar savings with more competitive pricing

Frequently Asked Questions

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