Close close icon

Medicare Supplement Plan L

Medicare Supplement Plan L does offer some attractive benefits. However, the cost-sharing may or may not work for you. With a cost-share plan, you’re responsible for some of the healthcare costs, but not all. Plan L certainly has more coverage than Medicare alone.

What’s Covered Under Medicare Supplement Plan L

Medigap Plan L isn’t the most comprehensive coverage; however, it boasts good coverage at a slightly lower premium.

Plan L will cover in full:

  • Part A coinsurance and hospital costs
  • Up to an additional 365 days after Medicare benefits are exhausted

Plan L will cover 75% of:

  • Part B Coinsurance
  • First 3 Pints of Blood
  • Part A deductible
  • Part A Hospice Care Coinsurance
  • Skilled Nursing Facility Coinsurance

As you can tell, Plan L isn’t a bare-bones policy. Coverage exists where coverage is needed.Medicare Supplement Plan L Comparison Chart 2021

Plan L is Ideal for Those Who:

  • Want a lower monthly premium
  • Don’t travel outside the U.S.
  • Are not concerned about excess charges

What’s the Maximum Out of Pocket with Plan L

If you’ve been confused by the term Maximum Out of Pocket, fear no more. The MOOP is a protection or safety net designed with you in mind. This is the most you can pay in a calendar year on covered services. For Plan L, the MOOP is $3,110. Although this amount could change annually.

This means if you develop a severe illness and find yourself in and out of the hospital, the most you’ll pay outside your premium is $3,110.

So, once you’ve spent that much on healthcare, you can expect 100% coverage from your carrier on any further covered services during the year.

Does Medigap Plan L Come with Prescription Coverage?

If you have a Medicare Supplement, you’re covered when the hospital is administering prescriptions. However, you’ll need a stand-alone Part D policy to get prescription medication covered that you take at home.

How to Enroll in Medigap Plan L

Our licensed insurance agents offer time to you, absolutely free. Since Medicare continually changes, it’s nice to have a personal agent in your corner. So many factors will determine how much you pay in monthly premiums. This is why you must speak to an agent to get accurate rates.

Our agents can help answer your pre-enrollment questions, learn about eligibility, and apply for coverage. Once you become a member, our client care team will keep you informed on Medicare changes as well as assist you with claims and appeals.

Having a policy with us means a team of people that care about your coverage just as much as you are available to call anytime.

Get started by giving us a call at the number above. You can also complete our online rate comparison form to see Plan L rates side by side from all the top carriers near you.

Enter Zipcode

Enter your zip code to pull plan options available in your area.

Compare Plans

Select which Medicare plans you would like to compare in your area.

Get Quote

Compare rates side by side with plans & carriers available in your area.

Lindsay Engle

Lindsay Engle is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.


Your email address will not be published. Required fields are marked *