What Is Medigap Plan L? 
Medicare Supplement Plan L covers benefits in a unique manner than most other Medicare supplement plans , similar to plan K . This plan covers 100 % of the Medicare Part A coinsurance and , after Medicare benefits are exhausted , hospital costs up to an additional 365 days . The insured is responsible for 75 % of the Medicare Part A deductible , Medicare Part B coinsurance/copayment , the first 3 pints of blood , the Medicare Part A hospice care coinsurance/copayment , and the skilled nursing facility care coinsurance . The Part B deductible , Part B excess charges , and foreign travel emergency benefits are not covered under this plan . After the yearly out-of-pocket limit , $ 2,330 in 2013 , and Part B deductible , $ 147 in 2013 , has been met , the plan will pay for 100 % of covered services for the rest of the calendar year . If you want to secure a plan that offers more comprehensive benefits , you may want to look into a plan F , G , C , or N. 