Unlike some other plans, Plan D doesn’t cover Medicare Part B deductible or Part B excess charges. Medicare Part B excess charges may ensue if a doctor charges you above what Medicare will pay for the service. When you subtract the Medicare-approved amount from what your doctor charges, you have the “excess charge.”
Physicians who don’t accept assignments are permitted to charge up to 15% over the Medicare-approved amount. It’s usually your responsibility to pay these charges out of pocket. While Plan D doesn’t cover excess charges, Plans F and G do cover them.
Keep in mind that not all insurance carriers may sell Plan D, and availability might depend on your location.