Medicare Supplement Plan D is designed to cover most of the gaps that are not covered by the Original Medicare. Plan D is standardized by CMS/Medicare.  One company’s Plan D is identical to another company’s Plan D.  There is absolutely no difference in coverage or benefits between companies.   Price, service, length of time a Medicare Supplement carrier has been offering plans, and ratings, will vary by company.  It is important to research to find the best Medicare Supplement carrier for you.

Medicare Supplement Plan D does not include coverage for the Part B deductible.  Medicare Pan D coverage does not include excess charges from Medicare Part B.   This means if a doctor charges more than the Medicare approved amount, you may be responsible for paying for some of those charges yourself. . The doctor can charge you up to 15% of the amount not covered by Medicare.  While some plans cover this, Plan D does not.

It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price.