Medigap Plan L | Term Insurance Brokers | Haymarket, VA

Medigap Plan L Benefits

Medigap Plan L covers benefits in a unique manner than most other Medicare supplement plans, similar to plan K.  This plan covers 100% of the Medicare Part A coinsurance and, after Medicare benefits are exhausted, hospital costs up to an additional 365 days.  The insured is responsible for 75% of the Medicare Part A deductible, Medicare Part B coinsurance/copayment, the first 3 pints of blood, the Medicare Part A hospice care coinsurance/copayment, and the skilled nursing facility care coinsurance.  The Part B deductible, Part B excess charges, and foreign travel emergency benefits are not covered under this plan.

After the yearly out-of-pocket limit, $2,740 in 2014, and Part B deductible, $147 in 2014, has been met, the Medigap plan will pay for 100% of covered services for the rest of the calendar year.

Plan L offers a higher premium than plan K in most areas, but features lower copayments and a lower maximum out-of-pocket limit.

Medigap Plan L covered benefits:

  • 100% of Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits are used up
  • 75% of Medicare Part B coinsurance or copayment
  • 75% of first 3 pints of blood
  • 75 % of Part A hospice care coinsurance or copayment
  • 75% of Part A deductible for hospital insurance

Medigap Plan L benefits not covered:

  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency (up to plan limits)

See the chart below for a side-by-side comparison of each of the Medicare supplement plans:

chart

For questions about Virginia Medigap plans or if you would like a free quote comparison, please give us a call at 1-800-571-2980 between the hours of 9 AM and 9 PM eastern time.   You can also reach us by e-mail at This e-mail address is being protected from spambots. You need JavaScript enabled to view it  24 hours a day.