Medicare Part D covers skilled nursing care, basic coverage, preventative services, and the deductibles Part A. Determining who it is best for is a little more difficult to decide though. It is one of the plans that offer coverage to Medicare recipients when they travel out of the country and therefore will work best for Medicare patients who do not worry about the Medicare Part B premiums. Basically, it’s ideal for travelers who have a little bit of money who want to make sure they are covered when they go oversees and have extended health insurance coverage when they are back at home.
The idea behind preventative services is that they will save insurance companies money in the long run by providing care that prevents larger problems down the road. Many of these services have been moved under Medicare, but the provisions remain in the Medigap Plan D that the government mandates. The coverage may have been modified to cover less of these services, but maintain the overall level of coverage the Medicare governing board wants people with this supplement plan to have. In fact, the plan is similar to Plan C. The foreign coverage is the only different
If a person over the age of 65 and on Medicare does a lot of travel, he may want to pay for more coverage than Plan D provides. A person who almost never leaves the country is paying for coverage he does not need. The decision a person makes about the plan will rest primarily on these two factors. If he doesn’t think that Medigap Plan D will suit his needs, it is probably best to look over the other supplemental coverage options that are available to a perspective customer.