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Medicare is a federally funded program that helps elderly and disabled individuals pay for healthcare services. Medicare plan L is one of the most popular types of plan coverage because it’s a stand-alone PPO plan which means there are no deductibles, co-payments, or coinsurance charges. You have access to any doctor or hospital in the country. This Senior Affair article will cover what you need to know about this type of healthcare coverage, including what it covers and whether or not it’s suitable for you.

What is Medicare Plan L Medicare?

Plan L is a Medic supplement plan covering Part A and Part B hospitalization benefits. However, this means it covers all the expenses related to your stay in a hospital, including emergency services, inpatient care, surgical care, and inpatient rehabilitation. Medicare plan L is not an insurance plan but a supplement to the original HMO, EPO, or PPO plans. But, on the other hand, you can only purchase it in addition to another Medicare plan.

Plan L is less comprehensive than regular private insurance, as with the other plans. It will not cover emergency transportation, complementary health services, or nursing care expenses. Instead, the client must pay for all these services even if they are plan L-eligible. According to the Medicare website, this plan only covers a hospital portion of benefits and inpatient care.

What Plan L Covers

The Medicare plan L supplement will cover 100% of the costs of covered hospital care if the client stays in a hospital for a period equal to or less than 60 days. If the client remains in a hospital for more than 60 days, Plan L will cover 75% of Part A’s daily coinsurance charge.

Plan L does not cover Part B medical expenses, medications, emergency transportation, or home health care services. Therefore, the client must pay all these expenses out-of-pocket. Plan L covers all insured persons 65 years or older, with Social Security benefits, in the United States and its territories.

What you need to know before enrolling

Plan L  medicare requires a monthly premium payment. However, this is the same as for other supplement plans. For example, plan L covers only those continuously insured under the original plans or their EPO, HMO, PPO, or military insurance. Plan L is not an insurance plan but a supplement to the original HMO, EPO, or PPO plans. On the other hand, they can only purchase it in addition to another plan.