MEDICARE SUPPLEMENT PLAN L
Medicare Supplement Plan L
Plan L: cost-sharing with a lower yearly limit.
Plan L pays 75% of most costs that other plans pay in full. Once your out-of-pocket spending on Medicare-covered services reaches the yearly limit — $3,830 in 2026 — Plan L pays 100% for the rest of the calendar year. It does not cover the Part B deductible or excess charges.
Plan L quick facts
Yearly out-of-pocket limit: $3,830 in 2026. After that, Plan L pays 100%. Plan L benefits are standardized by federal law, so every company's Plan L pays the same — only the premium is different.
Your Medicare out-of-pocket costs with Plan L vs. without Plan L
The table below shows some of your potential Medicare out-of-pocket costs in 2026 with Plan L vs. without Plan L.
| Medicare out-of-pocket costs | With Plan L | Without Plan L |
|---|---|---|
| Part A deductible | 25% of the cost | $1,736 per benefit period |
| Inpatient hospital stay co-insurance (days 61–150) | $0 | $434 per day, then $868 per day |
| Part B co-insurance or co-payment | 25% of the cost | 20% of the cost of care |
| Blood (first 3 pints) | 25% of the cost | 100% of the cost of the first 3 pints |
| Hospice care co-insurance or co-payment | 25% of the cost | 5% of the cost of respite care $5 per prescription drug |
| Skilled nursing facility co-insurance after day 20 of care | 25% of the cost | $217 per day |
| Part B deductible | You pay the full amount | $283 per year |
| Part B excess charges | You pay the full amount | Up to 15% of the Medicare-approved cost of a service |
| Foreign travel emergency (up to plan limits) | You pay the full amount | 100% of the cost |
Other Medicare Supplement plans
There are other Medigap plan options available. Click a plan to learn more about it: