Medigap Plan L
With a Medigap Plan L you will share certain health expenses with the insurance company at 75% until you reach an annual out-of-pocket limit of $2,480. After this is reached, Plan L pays all the covered shared expenses at 100%.
Plan L covers 6 of the 9 Medicare Supplement Benefits
Unlike a Medigap Plan K, because of the higher cost share percentage and lower out-of-pocket limit, a Plan L could be an option in some areas depending on the price.
To see a benefits chart comparing all plans click here.
Medigap Plan L Covers:
Medicare Part A Coinsurance (Hospital)
A Medigap Plan L Covers the Following at 75%
Until the Out-of-Pocket Limit is Met
Medicare Part B Coinsurance (Medical)
Blood (First 3 Pints)
Skilled Nursing Facility Care Coinsurance
Part A Hospice Care Copay or Coinsurance
A Medigap Plan L Does Not Cover:
Part B Excess Charges
Foreign Travel Emergency
Covered Part A Costs (Hospital) per *Benefit Period with a Medigap Plan L
* A benefit period begins when you receive services as an inpatient in a hospital. It ends after you have been out of the hospital and have not received skilled care in other facility for 60 consecutive days. All Part A copayments and deductibles start new with the beginning of each new benefit period.
Covered Part B Costs (Medical) with a Medigap Plan L
*You will only be billed the $166 Part B Deductible once per calendar year regardless of the service.
Covered Part A and B Costs with a Medigap Plan L
*You will only be billed the $166 Part B Deductible once per calendar year regardless of the service.
With a Plan L Supplemental Plan, you will pay 75% for some covered services until you reach the annual out-of-pocket limit of $2,480. Once you reach the limit, your plan will then pay 100% of your Medicare copayment and coinsurance for the rest of the calendar year. Excess charges do NOT apply to these limits.
Expenses that count towards your out-of-pocket limits on the above charts are indicated with a 
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