Medigap Plan L
Medigap Plan L may be a low-cost option for those with low out-of-pocket medical expenses, but are still looking for comprehensive coverage.

Medicare Plan L pays the Part A Hospital coinsurance along with 365 days of additional Hospital coverage after Medicare days are used.

Plan L will cover 75% of Skilled Nursing facility costs up to 100 days.

Medicare Plan L will NOT pay the Medicare Part B annual deductible or excess charges, but it will pay 75% of Part B coinsurance.

There is an out-of-pocket maximum limit of $2,620 in 2018, to minimize the most you will pay out of pocket with a Plan L.

Because Plan L is not as popular as some of the other plans, we find that there may only be a small number of insurance companies offering a Plan L in most states.

Medigap Plan L - Consider this Example:

Barbara has been healthy most of her life and decided to purchase a Plan L Supplemental Policy. She had outpatient surgery to remove skin cell basil melanoma.  If Medicare’s approved amount for this procedure is $1,000, then her Medigap Plan L will pay $750, and Barbara is responsible for the remaining $250.

The amount Barbara has paid is considered her out-of-pocket expense. With a Medicare Supplement Plan L, once Barbara’s out-of-pocket expenses reach a maximum of $2,620 in the calendar year, she will no longer share in the expenses, and her Plan L will pay all additional costs.

If your relatively healthy and your living on a fixed income, where “every penny count’s”, Medigap Plan L may be a good option for you.
Working with one of the trusted insurance agents at New Jersey Medicare Plan won’t cost you a dime. And, can minimize the amount of time and effort you’d have to invest going it alone.

We work with all the major insurance companies in New Jersey. Give us a call NOW at 1 (844) 280-0785 and let us help you get the Medicare monkey off your back.

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Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N

Medicare Supplement Insurance Plans (Medigap)
Benefits A B C* D F* G K L M N
Part A coinsurance and
hospital costs (up to an
additiona 365 days after
Medicare benefits are used)
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Part B coinsurance or
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%**
Blood (first 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Part A hospice care
coinsurance or copayment
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled nursing facility care
    100% 100% 100% 100% 50% 75% 100% 100%
Part A deductible   100% 100% 100% 100% 100% 50% 75% 50% 100%
Part B deductible     100%   100%          
Part B excess charges         100% 100%        
Foreign travel emergency
(up to plan limits)
    80% 80% 80% 80%     80% 80%
Out-of-pocket limit***
            $5880 $2940    


* Plan F is also offered as a high- dedutible plan by some issuers in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2340 in 2020 before your policy pays anything. Plan C and plan F are only available to those who are not new to Medicare.
** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in an inpatient admission.
*** For Plans K and L, after you meet your out-of-pocket yearly limits and your yearly Part B deductible ($198 for 2020), the Medigap plan pays 100% of covered services for the rest of the calendar year.