When choosing Medigap plans, you have lots of options — 10, to be exact. Medigap Plans A, B, C, D, F, G, K, L, M, and N all cover different types of costs that Original Medicare doesn’t cover. Medicare Supplement Plan D is a viable option for several reasons.

Like the other Medigap plans, Medicare Supplement Plan D is a standardized plan offered by many private insurance companies. You can apply for it through any insurer that offers the plan in your zip code. The only exception is if you live in Wisconsin, Minnesota or Massachusetts. Those states standardize Medigap plans in different ways.

Why should you consider Medigap Plan D?


When you start comparison shopping for Medigap plans, you’ll notice a difference in the premium. Comparing Medicare Supplement Plan D against a more comprehensive plan, such as Medigap Plan F, may show a big difference in premiums.

Your premium is the amount of money you pay the insurance company every month to keep your plan active. If you have Medicare Supplement Plan D, you’ll have to pay the Original Medicare Part B deductible, which is $183 as of 2018.

But what if your premium for Medigap Plan D saves you more than $183 over a plan that covers the deductible? You would come out ahead financially to purchase Medicare Supplement Plan D. The same goes for excess charges.

shop-for-medicare-supplement-plan-d

    Why is it important to buy a Medicare Supplement policy when you are first eligible?

  • Insurance companies cannot refuse to sell you a Medicare Supplement policy it offers
  • Companies cannot charge you more for a Medicare Supplement policy than they charge someone with no health problems
  • You don’t have to wait for coverage to start
Lunch with friends, check. Medigap plan, check.

When can you buy Medigap Plan D?


Similar to Original Medicare, Medigap has its own Initial Enrollment Period (IEP). It lasts six months and begins the first day of the month in which you are 65 or older and enrolled in Medicare Part B. You can apply for Medicare Supplement Plan D at any time; however, it’s a good idea to purchase your plan during IEP so you can avoid underwriting.

Medical underwriting is the process during which an insurance company uses your health status to decide whether or not to approve your application and how much to charge you. By avoiding underwriting, you can ensure that your application won’t be denied, you won’t be charged a higher premium based on your health status, and your coverage won’t be delayed.

Use Ensurem’s Medigap Quoter to get fast, easy quotes from insurance companies that offer Medicare Supplement Plan D in your zip code. You can also use the Quoter to compare Medigap Plan D against other plans to better understand the differences in premiums.