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Medicare Supplement Plan D – Medigap Plan D Rates for 2020

The Medicare Supplement Plan D is only one of 10 different supplemental insurance plans. Plan D will cover some costs which are not fully covered by your Medicare health insurance coverage.

Do not confuse your Medicare Supplement “Plan” D insurance coverage with Medicare “Part” D prescription drug coverage.


Medicare Supplement Plan D

Plan D is found to be between the other plans offering the most coverage or plans offering the least amount of coverage. Plan D is the middle ground of all the plans, so it provides a broader range of coverage while being more affordable compared to some of the other plans.

Premiums are set by the private insurance carriers by choosing one of three different Medicare supplement pricing methods.

Rated methods:

  1. Issue Age
  2. Community
  3. Attained Age


Medicare Supplement Plan D Coverage

Medicare Supplement Plan D coverage covers the medical expenses which are not paid by Original Medicare listed below.

  1. Deductibles
  2. Coinsurance
  3. Co-payments

Remember Plan D is just 1 of 10 different Medigap Plans available in most states except Massachusetts, Minnesota, and Wisconsin state.

You might find it difficult when deciding if the Medicare Supplement Plan D has the best benefits for your specific needs. Remember to compare the costs and benefits of the plan. Other plans may be more expensive but remember the benefits provide will also be greater.


Costs for Medicare Supplement Plan D

Many factors like age and location or gender affect the cost of plans and costs for residents in one state may cost more that residents in a different state. Average costs can range from $150-$200 for monthly premiums depending on the rate determining factors.


When Should I buy a Medicare Supplement Plan D

Eligibility for a Medicare Supplemental Plan generally requires an individual must have the traditional Medicare coverage. The best time to purchase your policy is during the OEP (Open Enrollment Period). Medigap OEP dates will begin the 1st day of the month you turn 65 or if you are older. You must also be enrolled in Medicare Part B.

You will have 6 months to find your insurance company, figure out what your monthly premiums will be then sign up.

This is the period of time which carriers cannot refuse to sell an individual a policy for any preexisting health conditions or charge additional fees for any health conditions a person might have when joining the plan.


If you apply after the 6-month period, insurance companies can deny your application for coverage or charge more based on your existing health condition or medical history. Use the chart below to compare Medigap Plan D to the other options available.


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