Plan K is a standardized Medicare Supplement plan. All insurers offering Plan K must provide the same core benefits — only the premium and insurer vary.
What Plan K Covers
Benefit
Coverage
Part A coinsurance & hospital costs
100%
Part B copays/coinsurance
50%
Blood (first 3 pints)
50%
Part A hospice care coinsurance
50%
Skilled nursing facility coinsurance
50%
Part A deductible
50%
Part B deductible
Not covered
Part B excess charges
Not covered
Foreign travel emergency (up to plan limit)
Not covered
Key Facts About Plan K
Plan K has a lower premium because it only covers 50% of most benefits (except Part A coinsurance).
Has an out-of-pocket spending limit ($7,220 in 2024) — after which Plan K pays 100%.
Best for those who want some protection but are willing to pay more if they need care.
2025 Medicare Cost Reference
Part B monthly premium: $203/month
Part B deductible: $283
Part A deductible (per benefit period): $1,736
High-deductible plan threshold: $2,950
Compare Plan K Quotes in Montana
Rates vary by insurer. A free comparison takes under 2 minutes.