Medigap Plan L

Like Medigap Plan K, Medigap Plan L is a Medicare Supplement plan that partially covers certain out-of-pocket expenses. In contrast to Plan K, Plan L covers a higher percentage of those costs. It too limits yearly out-of-pocket expenses.

What is covered?

Medigap Plan L covers:

  • 100% of Medicare Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used
  • 75% of Medicare Part B coinsurance or copayment
  • 75% of first 3 pints of blood
  • 75% Part A Hospice coinsurance or copayment
  • 75% Skilled Nursing Facility coinsurance
  • Covers 75% of Part A deductible

Additionally, Plan L limits the out-of-pocket expenses you can expect to pay. In 2020, that limit is $2,940, about half of the yearly limit of Plan K. 


Medigap Plan L is a Medicare Supplement Plan that partially covers many out-of-pocket expenses. It does not cover the Part B deductible, the Part B excess costs, or foreign travel emergency coverage.

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