Medicare Supplement Insurance Plan D – Medigap Plan D

Medicare Part D (Medicare Prescription Drug Coverage) helps cover prescription drug costs.  Private insurers contract with Medicare to provide these plans too.  There are many different plans offered by the insurers that vary by monthly premium.  The plans are based on a combination of drugs that you have been prescribed called a “formulary.”  Choosing the right plan is important so you do not have to pay excessive amounts towards a plan that may not cover your prescriptions.  Part D plans can only be changed during open enrollment with an effective date of January 1.  Please remember that even though Part D is an option and not a requirement, if you don’t join a Medicare PDP when you become eligible, you may have to pay a higher premium if you join later.  New legislation has been initiated that will increase the government subsidy to Part D providers over time.  This is expected to reduce the costs associated with the Medicare Part D “doughnut hole.”

Each insurance company must offer Medigap Plan C if they offer any Medigap policy in a state.  Even though the insurer decides which Medigap policies it wants to sell in each state, state laws might affect which ones they offer.

Listed below is the Chart showing Medicare Supplement Insurance Plan D – Medigap Plan D Benefits:

Medicare Supplement Plan D - Medigap Plan D



Medicare Supplemental Advisors is an independent insurance broker agency specializing in Medicare Supplement Health Plans including Dental, Vision, Hearing and Medicare Part D Prescription Drug Plans. Our fee is provided by the insurer that is selected and is not charged to the client.

Medicare Supplemental Advisors is not connected with or endorsed by the United States Government or with the Federal Medicare Program. Medicare beneficiaries are encouraged to seek professional advice from an independent licensed agent/broker that is authorized to provide multiple Medicare insurers before final plan selection.