Medigap Plan L

Medigap Plan L

Plan L Overview

Similar to Plan K, Plan L is one of two Medicare Supplemental Plans that offer a limited range of coverage. However, if Plan K was not a good fit due to its heavily limited range of coverage Plan L may work better for you. In all the places where Plan K offers only 50% coverage plan L offers 25% more meaning the coverage will total at 75%. This is a good choice for people who wish to have lower premiums but also would like a slightly lower deductible than with Plan K.


What Plan L Covers

As stated above Medigap Plan L offers a more limited range of coverage than other traditional Medigap plans; however, it offers 75% of the expenses which lowers premiums but raises deductibles. The plan covers 75% of the following expenses.

  • Copayments and coinsurance not covered by Medicare Part B
  • First three pints of blood drawn
  • Copayments or Coinsurance for hospice care which is not covered by Medicare Part A
  • Coinsurance for skilled nursing care
  • Deductibles for Medicare Part A

To get connected with someone who can walk you through any specific expenses you are concerned about click HERE. We will get you in contact with someone who is an expert is this field.

What Plan L Does Not Cover

  • Part A deductibles
  • Part B deductibles
  • Part B excess charges for doctors who charge up to 15% more than allotted Medicare amount
  • Expenses incurred for emergency foreign travel care

Plan L has a high deductible amount as compared to some of the other 10 Medigap plans. The 2017 deductible amount for Medicare Supplemental Insurance Plan L is set at $2,560. Once this deductible has been reached the plan will cover 100% of the above sections of coverage.


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