What is Medigap Plan L?

Reviewed and Updated by Kelsey Davis,

Medicare Supplement plans (also known as Medigap plans) work alongside Original Medicare to provide financial benefits and protection. More than nine million beneficiaries are enrolled in a Medigap plan, and enrollment increases each year.

There are ten standardized plans broken down by letters (A, B, C, D, F, G, K, L, M, and N). Each letter represents a different range of coverage for a different price. You can have fewer benefits for a smaller monthly premium, or get more benefits for a slightly higher monthly premium.

Most plans are guaranteed renewable for life, meaning as long as you pay your premium on time, you should not be canceled from your plan due to a new health condition. Plans are also generally the same regardless of which carrier you enroll with. If you’re looking for financial benefits to supplement your Part A and B, Medigap Plan L may be perfect for you.

What Does Medigap Plan L Cover?

Medigap Plan L is one of the cheaper options on the market because it doesn’t cover as much as some of the other plan types. Specifically, Plan L covers:

  • 100% of your Part A coinsurance & hospital costs
  • 75% of blood work copays (up to three pints)
  • 75% of hospice coinsurance & copayments
  • 75% of skilled nursing facility insurance
  • 75% of your Part A deductible
  • 75% of  your Part B coinsurance & copayments

Other benefits of Medigap plans include coverage for:

  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
Medicare Supplements | Medicare Plan Finder

Plan L Costs

Medigap plans (A, B, C, D, F, G, K, L, M, and N) are generally very similar no matter which carrier you buy from. This means that, for example, Plan L from Carrier 1 would offer mostly the same benefits as Plan L from Carrier 2. However, pricing can differ based on carrier, zip code, age, gender, and tobacco use. Our licensed agents can show you all of the available plans in your area and help you enroll in the plan with the best price. Click here or call 844-431-1832 to contact a licensed agent.

Medicare Supplement Eligibility

To be eligible for a Medicare Supplement plan, you need to be enrolled in Original Medicare (Part A and B). Medigap plans are sold through private insurance companies and are not required to sell a plan to beneficiaries under 65. This means if you qualified for Medicare by turning 65, having ESRD (end-stage renal disease) or ALS (Lou Gehrig’s Disease), or through Social Security Disability Income (SSDI), you may not be eligible for a Medigap plan. However, a licensed agent can help you find any available plans in your area that you may qualify for. Click here or call 844-431-1832 to contact a licensed agent.

Plan L Reviews

Some of the top Medigap carriers for 2019 include:

  • AARP
  • Aetna
  • Amerigroup
  • Cigna
  • Humana
  • Mutual of Omaha
  • WellCare

Popular Medicare Supplements

Some of the most popular Medigap plans are Plan G and Plan F because they offer the most coverage. Plan F is almost identical to G, the only difference is Plan F covers the Part B deductible. However, Plan F is going away, and you must be enrolled in Plan F no later than January 1, 2020, to maintain coverage. Plan G is cheaper than Plan F with almost identical benefits, so many beneficiaries prefer Plan G.

If you would prefer to pay a higher monthly premium, but have more financial protection, Plan G or F may be right for you. Contact a licensed agent to talk about plan specifics. Click here or call 844-431-1832.

Enroll in a Medigap Plan

You can enroll in Medigap Plan L (or any Medicare Supplement plan) any time of the year, but if you wait too long, carriers can charge you more or even deny you coverage based on your health conditions. You should consider enrolling in a Medigap plan during your Initial Enrollment Period (IEP). During your IEP, you should not be denied or charged more for any pre-existing conditions. If your IEP has already passed, that’s okay! A licensed agent can still show you plans in your area and help you enroll in a qualified plan. Click here or call 844-431-1832 to contact a licensed agent.

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