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Medigap Plan L
Medigap Plan L is a lower-cost supplement plan option. If you want a low monthly premium that still offers good coverage, this is a great plan for you. Unlike other plans, Plan L typically covers 75% of healthcare costs.
Medigap Plan L Coverage
Medigap Plan L covers specific percentages of costs. These costs include:
- 100% of Part A Coinsurance & Hospital Costs
- 75% of Part B Coinsurance or Copayment
- 75% of the First 3 Pints of Blood for Transfusions
- 75% of Part A Hospice Care Coinsurance or Copayment
- 75% of Skilled Nursing Care Facility Coinsurance
- 75% of Your Part A Deductible
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Medigap Plan L Comparison
Compared to other Medigap Plans, Plan L offers a smaller percentage of costs in order to reduce your monthly payments. You avoid paying for coverage you may not need, while still being almost fully covered in areas you do.
Like Medigap Plan K, however, you do run the risk of higher out-of-pocket costs than with other plans. Because not everything is covered, if you require care in an area outside of Plan L, you will have to pay for it yourself. If you are worried about this and want 100% coverage in the same areas, Medigap Plan D may be a better option for you.
If you want to pay an even smaller monthly premium, Plan K may be a good option for you. It covers the same areas at a rate of 50% instead of 75%. Once again, however, keep the risk of out-of-pocket costs in mind with this plan as well.
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With so many options to choose from, picking a Medigap plan can be a stressful task—so why not let us help you through it? We are dedicated to your wellbeing, and we want to make this process as simple as possible.
If you need help choosing the right Medigap plan or would like a free quote, call MedicareMisty.