Medicare supplement Plan K is a cost-sharing plan available to Medicare beneficiaries. It has benefits similar to other Medicare supplement plans, but has a lower monthly premium.

Medigap Plan K covers some benefits in full and others at 50%. It covers the Part A coinsurance, foreign travel emergencies, and the Part B coinsurance for preventive services at 100%. Plan K does not cover the Part B deductible or the Part B excess charges.


To enroll in Plan K, make sure to sign up for Original Medicare Part A and Part B first. Then, you will have six months to enroll in a Medicare Supplement plan, when you are guaranteed to be accepted, no matter your health.

This six-month period is called your Medicare supplement Open Enrollment Period. You can enroll at other times, but it is possible you will be denied or charged a higher rate because of your health.


Medicare Supplement Plan K covers:

  • Part A coinsurance and up to an additional 365 days of hospital costs after Medicare benefits are exhausted

  • 50% of the Part B coinsurance/copayment

  • 50% of the first 3 pints of blood

  • 50% of the Part A hospice coinsurance/copayment

  • 50% of the Skilled nursing facility care coinsurance

  • 50% of the Part A deductible

  • $6,940 out-of-pocket limit (in 2023), then Medicare supplement pays 100%

What Plan K doesn’t cover:

  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency


Plan K is one of two Medicare supplement plans that offers a maximum out-of-pocket(MOOP) limit.

In 2023, the limit is $6,940, but this typically increases each year. After the maximum has been met, Plan K will pay for 100% of covered services for the remainder of the year.


Individual beneficiary premiums will vary based on which state the individual is seeking coverage in, which carrier they are purchasing from, and also individual factors like gender, age, tobacco use, and a few other details.

The average cost for Plan K ranges from $40-$100 per month. In general, Medigap plans premiums are higher in states who have a higher cost of living.

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