Medicare Supplement Plan L

Medicare Part A and Part B (Original Medicare) can cover much of your doctor and hospital bills, but these plans won’t cover everything. Medicare Supplement Plan L is one of several Medicare Supplement Plans (also called Medigap), purchased through private insurance companies that helps pay for some of the expenses that your Original Medicare plan doesn’t cover.

It’s worth noting, Medicare Supplement Plan L and Plan K are the only two plans that cap healthcare expenses.

What Does Medicare Supplement Plan L Offer?

Medicare Supplement Plan L covers several different things that are not covered by Original Medicare. These include:*

  • Medicare Part A coinsurance
  • 75% of Medicare Part A deductible
  • Medicare Part A hospital costs up to an additional 365 days after Medicare benefits are used up
  • 75% of Medicare Part B coinsurance or copayment
  • 75% of the first three pints of blood for a medical procedure
  • 75% of hospice care coinsurance or copayment
  • 75% of skilled nursing facility care coinsurance

Plan L does not cover the Part B deductible or excess charge, and it also does not include foreign travel exchange. After you meet the 2021 out-of-pocket yearly limit of $3,110 (the most you’ll have to pay for covered services during a plan year) and your annual Part B deductible of $203, Medicare Supplement Plan L will pay 100% of covered services for the rest of the calendar year.1,2

How You Can Purchase Medicare Supplement Plan L

As Medicare Supplement Plan L plans are offered by private insurance companies, prices and benefits vary based on your geographical location and carrier. HealthMarkets can help you and your loved ones easily find the plan that best meets your needs, and our services are available at no cost to you. Get started comparing plans online with HealthMarkets now.



1. U.S. Centers for Medicare & Medicaid Services. Retrieved from Accessed June 16, 2021.
2. “Medicare costs at a glance.” Retrieved from Accessed June 25, 2021.


*If you live in Massachusetts, Wisconsin, or Minnesota, your plan benefits may differ.

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