Medicare Supplement Plan L

Medicare Supplement Plan L is a standardized Medicare Supplement (Medigap) plan available nationwide. Medigap Plan L offers several attractive benefits and is an excellent choice if you are looking for a low-cost Medicare Supplement plan.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

However, not everyone will be on board with this plan’s cost-sharing. Yet, Medigap Plan L certainly offers more coverage than Original Medicare alone.

What is Medigap Plan L?

Medigap Plan L is a Medicare Supplement plan providing cost-sharing benefits to enrollees. This Medicare Supplement plan allows you to pay a low monthly premium for secondary coverage to Original Medicare.

When you enroll in Medicare Supplement Plan L, you can visit any doctor or hospital accepting Original Medicare, regardless of the carrier. Additionally, you will never need a referral to see a specialist.

Medigap Plan L is not one of the most comprehensive Medicare Supplement plans. However, it offers more coverage than Original Medicare alone. Typically, enrollees in this plan save more money in the long run than with just Original Medicare.

What Does Medicare Supplement Plan L Cover?

Many people are surprised to learn that Original Medicare (Part A and Part B) does not provide 100% coverage. Original Medicare only covers 80% of Part B services. Medicare Part A will pay for most of the costs of your hospital stay after you pay the Part A deductible.

If you have a covered hospital stay, hospice stay, or short-term stay in a skilled nursing facility, Medicare Part A pays 100% of allowable charges for the first 60 days after you meet your Part A deductible. You will need to pay the other 20% out-of-pocket unless you have a Medigap plan, which closes the gap by taking care of the costs for which you would otherwise be responsible.

Medicare Supplement Plan L offers full coverage for Medicare Part B preventive care coinsurance, Medicare Part A coinsurance, and hospital costs up to 365 days beyond when Medicare benefits are exhausted. Additionally, this plan includes foreign travel emergency coverage up to plan limits.

As a cost-sharing plan, Medigap Plan L offers 75% coverage for Medicare Part B coinsurance or copays, the first three pints of blood, Medicare Part A coinsurance or copays for hospice, coinsurance for skilled nursing facilities, and the Medicare Part A deductible.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

This plan may be a solid option for those not concerned with Medicare Part B excess charges. Not every state allows excess charges. Further, they are not common in the states that allow them.

However, if you encounter excess charges while on Medicare Supplement Plan L, you must pay them in full. Additionally, Medigap Plan L does not cover the Medicare Part B deductible, so you must cover this cost before your Medigap benefits kick in.

Medicare Supplement Plan L Comparison Chart for 2022

The chart below compares Medigap Plan L to the other standardized Medicare Supplement plans. As you can see, the plan covers 75% of the costs Original Medicare leaves for you.

Thus, you are responsible for 25% of the remaining 20% of costs after Medicare pays. Further, you will be responsible for 100% of the expenses not covered by Medigap Plan L.

Medicare Supplement Plan L Comparison Chart 2023

Medigap Plan L Costs

The average cost of Medicare Supplement Plan L is around $80-$180 per month. Medigap monthly premiums depend on numerous factors, such as your state’s cost of living, as well as your age and gender. The only way to obtain an accurate estimate of what you will pay is to speak to a Medicare agent.

Medigap Plan L has a maximum out-of-pocket (MOOP) limit. The purpose of the MOOP is to protect beneficiaries from spending over a certain amount on covered services out-of-pocket in a calendar year.

The MOOP for Medicare Supplement Plan L in 2022 is $3,470. This dollar amount is subject to change annually.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

An example of how the MOOP works is if you develop a severe illness that requires frequent hospital stays. With Medigap Plan L, the most you will pay outside your monthly premiums is $3,470 for the year. Suppose you spend $3,470 out-of-pocket on hospital stays. In that case, you can expect 100% coverage from your carrier on any further Medicare-covered services during that year, as Medicare Supplement plans only cover what Medicare will cover.

How Do Medicare Supplement Plan L and Plan K Differ?

Generally, Medigap Plan L and Plan K are very similar in terms of coverage and plan structure. Both plans have a cost-sharing structure. However, Medicare Supplement Plan L covers a higher percentage of the costs than Plan K.

Medigap Plan L covers 75% of the Original Medicare out-of-pocket costs, whereas Plan K only covers 50%.

Additionally, Medicare Supplement Plan L has a lower maximum out-of-pocket limit than Plan K. Medigap Plan K’s maximum out-of-pocket amount for 2022 is $6,940, more than twice as steep as Plan L’s.

When Can I Enroll in Medigap Plan L?

If you wish to enroll in Medicare Supplement Plan L, the best time to do so is during your Medicare Supplement Open Enrollment Period. This enrollment period opens on the first day of your 65th birth month and lasts six months. In this window, you can enroll in a Medigap plan without having to answer underwriting health questions. So, you will have your choice of policy.

If you do not enroll during your Open Enrollment Period, you can still sign up anytime. However, you may need to answer underwriting health questions. Thus, the carrier can deny your application due to pre-existing health conditions.

Medicare Supplement Plan L FAQs

Is Medicare Plan L a good plan?
If you are looking for a Medigap plan with a lower premium and do not mind cost-sharing, Medigap Plan L can be a good choice. The plan’s maximum out-of-pocket limits the amount you will be responsible for outside of your monthly premiums.
Does Medigap Plan L come with prescription drug coverage?
None of the Medigap plans currently on the market include prescription drug coverage. Pair your Original Medicare and Medigap policy with a Medicare Part D plan to ensure coverage for the prescriptions at home.
Does Medicare Supplement Plan L cover a psychiatrist?
Medicare Supplement plans cover the remainder of the cost for the same services Original Medicare covers. Medicare Part B covers visits with mental health professionals such as psychiatrists, so Medicare Supplement plans cover the remainder after Original Medicare pays.
Should I enroll in Medicare Supplement Plan F or Plan L?
Medicare Supplement Plan F is the most comprehensive Medigap plan. However, it is not available to everyone eligible for Medicare. Medicare Supplement Plan L can be a good alternative with a lower premium for those who cannot get Plan F and do not mind cost-sharing.

How to Enroll in Medigap Plan L

Finding the right Medigap plan for your needs is easier than it sounds. A MedicareFAQ agent licensed in your state can help you find the best coverage for your health and budget needs. Plus, all our services are free, and you are not obligated to purchase a plan when you work with us.

Call the phone number above to start your free plan comparison from all the top carriers in your area. You may also submit our online rates form for access to our library of Medicare resources and to receive your plan comparison today!

Enter ZIP Code

Enter ZIP Code

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

Compare Plans

Compare Plans

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

Get Quote

Get Quote

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


MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. What's Medicare Supplement Insurance, Medicare. Accessed June 2022.
  2. Supplements and Other Insurance, Medicare. Accessed June 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


Your email address will not be published.