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Medigap Plan L

Medigap Plan L policies, which are offered by private insurance companies as supplemental coverage to fill the gaps in Original Medicare Part A and B coverage. Because of higher degree of cost-sharing these polices general have lower premiums than Plan F.

Because Medigap Plan L polices are offered by insurance companies instead of by the federal government, availability of these plans may differ. Not all companies will offer all 10 standardized Medigap Plans.

Plan L will cover the basic benefits of Medigap are are required to offer, but may not cover 100% costs.

Medigap Plan L will cover 100% of the costs of:

  • Medicare Part B preventive care coinsurance
  • Medicare Part A coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted

Medigap Plan L will cover 75% preventive care co-insurance of:

  • Medicare Part B coinsurance or copayment
  • First three pints of blood used in a medical procedure
  • Skilled Nursing Facility (SNF) care coinsurance
  • Medicare Part A hospice care coinsurance or copayment
  • Medicare Part A deductible