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Medigap Plan L

Medigap Plan L’s benefits

Medigap Plan L closely resembles Medigap Plan K. In this case, the percentages of costs covered and annual out-of-pocket maximum are different. For Medigap Plan L, the plan will pay for 75% in its cost categories (exception being Medicare Part A coinsurance and hospital costs, which is 100% from the beginning). In 2021, Plan L’s out-of-pocket limit is $3,110, and the Medicare Part B deductible is $203.

Once the year’s out-of-pocket maximum and Part B deductible are met, Medigap Plan L fully covers the remaining costs instead of 75%.

Medigap Plan L covers:

  • Medicare Part A coinsurance and hospital costs (100%)
  • Medicare Part B coinsurance or copay (75%)
  • First three pints of blood (75%)
  • Medicare Part A hospice care coinsurance or copay (75%)
  • Medicare Part A deductible (75%)
  • Care in a Skilled Nursing Facility (75%)

What Medigap Plan L doesn’t cover

Medigap Plan L does not cover:

  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Emergency care during foreign travel

Interpreting Medigap Plan L’s benefits

Like Medigap Plan K, this is a policy that ultimately bears a strong resemblance to Medigap Plan D after annual out-of-pocket costs and Medicare Part B deductible are met. Of course, unlike Plan D, Medigap Plan L doesn’t cover foreign travel emergency costs. In the end, Medigap Plan L is an inexpensive way to get great comprehensive coverage.

If you need more assistance with understanding Medigap Plan L, contact World Financial Solutions today.

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