Medicare Supplement Plan L

Medicare Supplement Insurance Plan L* from Difference Between PPO, POS, and HMO is a basic benefit plan ideal for seniors looking for a lower monthly premium. By covering less of the coinsurance and copayment expenses than other supplement plans, this plan can offer a reduced premium. In exchange for sharing some of the costs of healthcare, seniors can secure quality coverage at an affordable price.


With Medicare Supplement Insurance Plan L, securing the benefits you need to stay healthy and strong is easier than ever. Pays for 75 percent of your Part A hospital deductible, 75 percent of the cost of the first three pints of blood each year, and 75 percent of your Medicare coinsurance/copayment for hospice care.

In addition, you can count on an extra 365 days of hospital care once Lifetime Reserve Days are used and the remainder of all Medicare-approved amounts (after your Part B deductible has been paid) for Medicare-covered preventive benefits and the remaining 15 percent of Medicare-approved amounts. Medicare Supplement Insurance Plan L also limits annual out-of-pocket expenses for Medicare-approved amounts. That means if you get sick and need to visit with your doctor frequently or receive outpatient services often, you can.

Benefits Summary

75 percent of Medicare Part A deductible for hospitalization services

75 percent of the costs for the first three pints of blood each year

75 Percent of Medicare coinsurance for hospice care

75 percent of skilled nursing facility coinsurance

What You Can Expect to Pay

In addition to a reasonable monthly premium, with Medicare supplement Insurance Plan L you can expect to pay for your Part B deductible and excess charges, 25 percent of your Part A deductible, hospitalization costs beyond the additional 365 days after Lifetime Reserve are used, a percentage of skilled nursing costs after 21 days and all costs after 101 days, and 25 percent of the cost of the first three pints of blood.

Medicare Supplement Insurance plans are guaranteed renewable. As long as you continue to pay your premium, your plan can never be terminated and you can always renew, regardless of your health.

This plan is a good option for seniors looking for a lower premium and a reasonable amount of coverage. With a lower annual out-of-pocket amount than some of the other cost-sharing plans.




Basic Benefit Options Premier Plan Options Budget-Conscious Plan Options
Click Plan Letter to see complete Details Plan A Plan B Plan C Plan F Plan G High Deductible
Plan F
Plan N*
Reduced Premium Medicare Select Options Available (eligibility based on ZIP code)
Basic Benefits 100% 100% 100% 100% 100% 100% copay
Skilled Nursing Coinsurance 100% 100% 100% 100% 100%
Part A Deductible 100% 100% 100% 100% 100% 100%
Part B Deductible 100% 100% 100%
Part B Excess 100% 100% 100%
Foreign Travel Emergency Care


Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

*Plans K-N provide for different cost-sharing than plans A-G.
Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges.
Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits.
**The out-of-pocket annual limit may increase each year for inflation. (2024 limits shown)
† Network restrictions apply

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program