Medigap Plan D
Broad coverage without the Part B deductible or excess charges
Questions? Call (800) 123-4567
Get Plan D Rates
Compare plans from 30+ carriers in your area — free & instant.
Get My Free Quote →or call (800) 123-4567
No obligation · 100% free · Licensed specialists
Plan D covers 7 of the 9 standardized Medigap benefits - everything except the Part B deductible and Part B excess charges. It also includes foreign travel emergency coverage, making it a solid mid-tier option.
What Plan D Covers
- Part A coinsurance & hospital costs (365 extra days)
- Part B coinsurance / copayments
- First 3 pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible ($1,676 in 2026)
- Foreign travel emergency (80%)
What Plan D Does Not Cover
- Part B deductible ($257 in 2026)
- Part B excess charges
Who Is Plan D Best For?
Average Cost for Plan D
In 2026, the average monthly premium for Medigap Plan D is approximately $138 per month - or about $1656 annually.
Actual premiums depend on your age, gender, tobacco status, the insurer’s pricing model (attained-age, issue-age, or community-rated), and your state. Use our free comparison tool to see real rates in your area.
Plan D vs. Other Medigap Plans
When to Enroll in Plan D
The best time to enroll in any Medigap plan is during your Medigap Open Enrollment Period. This 6-month window begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers cannot deny coverage or charge more because of your health history.
Outside this window, you may face medical underwriting unless you qualify for a Guaranteed Issue right. Enroll at the right time to lock in the best rates.
Compare Plan D to All Medigap Plans
Use the chart below to see exactly how Plan D stacks up.
Benefits offered by each Medigap plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future.
✔ = 100% covered ✘ = Not covered % = Partial coverage
| Benefits | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B copays/coinsurance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Blood (first 3 pints) | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Skilled nursing facility | ✘ | ✘ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A deductible | ✘ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ |
| Part B deductible | ✘ | ✘ | ✔ | ✘ | ✔ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Part B excess charges | ✘ | ✘ | ✔ | ✘ | ✔ | ✔ | ✘ | ✘ | ✘ | ✔ |
| Foreign travel emergency | ✘ | ✘ | 80% | 80% | 80% | ✘ | ✘ | ✘ | 80% | 80% |
| $7,220 | $3,610 | |||||||||
Ready to Find the Best Plan D Rate Near You?
Our licensed specialists compare premiums from 30+ carriers - free, fast, and no pressure.
Get My Free Quote →Prefer to call? (800) 123-4567