Medigap Plan L

Medigap Plan L

Medicare Supplement Plans, also called Medigap policies, are offered by private companies to offset the out-of-pocket expenses of Original Medicare. Medigap Plan L is one Medicare Supplement Plan option to choose from. Learn more about Plan L below. 

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Coverage: Original Medicare vs. Plan L

Hospital Inpatient Costs

Original Medicare

  • Day 1-60 of an inpatient stay: Your annual deductible is $1484 with coinsurance 
  • Days 61-90: your cost of coinsurance per day is $371
  • After Day 90: you pay a lifetime reserve day of $742

Medigap Plan L

  • 100% of Medicare Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used. 

Part B Coinsurance 

Original Medicare

  • You are usually expected to pay 20%

Medigap Plan L

  • 75% of Medicare Part B coinsurance or copayment 

Blood

Original Medicare

  • If the hospital has to buy blood for you, you must pay for the first 3 units of blood you get in a calendar year

Medigap Plan L

  • 75% of first 3 pints of blood 

Hospice Care Coinsurance/Copayment 

Original Medicare

  • You pay a copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management. 
  • You pay 5% of the Medicare-approved amount for inpatient respite care. 

Medigap Plan L

  • 75% Part A Hospice Coinsurance or copayment 

Skilled Nursing Facility (SNF) Care Coinsurance 

Original Medicare

  • Days 1-20 at SNF facility: no cost 
  • Days 21-100: you pay $185.50 per day. 
  • Day 101 and after: You assume all costs

Medigap Plan L

  • 75% SNF Coinsurance 

Part A Deductible 

Original Medicare

  • Annual deductible: $1484 with coinsurance for days 1-60 of each benefit period.
  • After Day 60: See Hospital Inpatient costs, above

Medigap Plan L

  • Covers 75% of Part A Deductible 

Part B Deductible 

Original Medicare

  • In 2021, the deductible for part B is $203. After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%. 

Medigap Plan L

  • No additional coverage 

Part B Excess Charges

Original Medicare

  • No out of pocket expense yearly limit
  • After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%. 

Medigap Plan L

  • No additional coverage 

Plan L limits the out-of-pocket expenses patients are responsible for. In 2021, that limit is $3,110.

Need Medigap Plan L?

Here at Medicare With Jake, we specialize in helping you make the best decisions for you. Based in Wichita, Kansas, we can help you choose the best plan for you.