Plan L is the 75%-coverage variant. Premium sits between Plan K and Plan G.
Best for
- Beneficiaries wanting a middle-ground between K and G
Watch out for
Still has cost-sharing exposure until the cap.
What Plan L covers
- Part A coinsurance & 365 extra hospital daysCovered in full
- Part B coinsurance or copayment75% covered
- Blood (first 3 pints)75% covered
- Part A hospice coinsurance / copay75% covered
- Skilled nursing facility coinsurance75% covered
- Part A deductible75% covered
- Part B deductibleNot covered
- Part B excess chargesNot covered
- Foreign travel emergency (up to plan limits)Not covered
Compare to other Medigap plans
- Plan AThe minimum-coverage Medigap plan - basic benefits only.
- Plan BPlan A plus the Part A deductible.
- Plan CComprehensive coverage - closed to anyone newly eligible after Jan 1, 2020.
- Plan DPlan G minus Part B excess. Modest savings, modest reduction in benefit.
- Plan FThe 'everything' plan - closed to newly eligible after Jan 1, 2020.
- Plan GToday's most popular Medigap plan - comprehensive coverage minus only Part B deductible.
- Plan KLower premium, partial coverage with out-of-pocket cap.
- Plan MSplits the Part A deductible 50/50 between you and the plan.
- Plan NLower premium than Plan G in exchange for office and ER copays.