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Medicare Supplement Plan K and Plan L

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A lower premium for less coverage, but out-of-pocket maximums limit the amount you may have to pay per year.

Plans K and L offer the same basic benefits as other Medicare Supplement insurance plans, all with a lower monthly premium. In exchange for a lower premium, these cost-sharing plans cover less of the coinsurance and copayments than other Medicare Supplement insurance plans, but you’ll have the added security of a maximum out-of-pocket cost every year.

What does Medicare Plans K and L cover?

Medicare Supplement Plan K

Medicare Supplement Plan K covers services similar to other Medicare Supplement insurance policies. However, instead of paying all of your costs, the plan pays a percentage. If you have a serious illness or injury, you have the protection of an out-of-pocket annual limit. Once you reach this “cap” on your out-of-pocket costs, the plan pays 100% of Medicare-approved costs for the rest of the year. This plan is a good option if you prefer a lower premium but still want a fair amount of coverage for a variety of services.

In general, Plan K offers a lower monthly premium than Plan L, but offers higher coinsurance amounts and a higher annual out-of-pocket limit.

Medicare Supplement Plan L

This plan is similar to Plan K, except it covers a higher percentage of your costs, offers a lower annual out-of-pocket amount and out-of-pocket limit, but has a slightly higher monthly premium.

How does Medicare Plans K and L work?

Medicare Supplement Plan K coverage provides:

  • 100% coverage for Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end
  • 50% hospice coverage for Part A coinsurance
  • 50% of Medicare-eligible expenses for the first 3 pints of blood
  • 50% Part B coinsurance, except for preventive care services, which are covered 100%

In addition to these basic benefits, Plan K also provides:

  • 50% coverage for Skilled Nursing Facility coinsurance
  • 50% coverage for your Medicare Part A deductibles
  • $6,620 out-of-pocket annual limit for 2022 (the out-of-pocket annual limit will increase each year for inflation)

Medicare Supplement Plan L coverage provides:

  • 100% coverage for Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end
  • 75% hospice coverage for Part A coinsurance
  • 75% of Medicare-eligible expenses for the first 3 pints of blood
  • 75% Part B coinsurance, except for preventive care services, which are covered 100%

In addition to the basic benefits, Plan L also provides:

  • 75% coverage for skilled nursing facility coinsurance
  • 75% coverage for your Medicare Part A deductibles
  • $2,940 out-of-pocket annual limit in 2022 (the out-of-pocket annual limit will increase each year for inflation)

More help choosing the plan that’s right for you

See plans in your area

View plans with their premiums and copays. You’ll have the ability to view your premiums, check your eligibility, and compare plans.

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