Plan L utilizes different divisions of cost for items and services than most of the supplement plans.

Medicare Supplements

Plan L

Medicare Supplement Plan L may be a good choice for those with low medical expenses as it has the ability to have an out-of-pocket limit, resulting in a potentially low monthly payment. Medigap Plan L also requires you to pay a percentage for other covered services. This helps us keep your plan premiums low.

You will have to pay some expenses yourself for some covers services until you meet the yearly cap. After you hit the yearly limit, your Plan L policy pays these expenses until the end of the year.

Specifically included with Plan L benefits include:

The coinsurance for Part A
Expenses for 365 days after hospital benefits end
The coinsurance of Medicare part B is covered 75% for services other than preventative
75% of skilled nursing facility services
75 % of hospice care coinsurance or co-payment
Medicare Part A deductible
75% of Blood coverage after the first three pints

There are services and benefits not covered under Plan L:

Part B deductible and any excess charges are also your responsibility
Emergency coverage for traveling abroad
Recovery at home benefits
The out-of-pocket limit
Any amount you are responsible for