MEDIGAP PLAN A

Medigap Plan A, or Medicare Supplement Plan A, is a basic Medigap plan that covers the 20% of outpatient medical care Medicare expects you to take care of. It also provides Medicare Part B coinsurance or copayment coverage and the first three pints of blood you are normally on the hook for.

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WHAT IS COVERED UNDER MEDICARE SUPPLEMENT INSURANCE PLAN A?

Plan A is the most basic of the 10 Medicare Supplement Insurance plans. However, it covers the most common things Medicare beneficiaries require. Medigap Plan A covers 100% of the costs associated with these four things:

  • Medicare Part A coinsurance payments for inpatient hospital care for up to an additional 365 days after Medicare benefits are exhausted

  • Medicare Part B copayment or coinsurance expenses

  • The first three pints of blood used in a medical procedure

  • Part A hospice care coinsurance expense or copayment


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WHAT IS NOT COVERED BY MEDIGAP PLAN A?

Medicare Supplement Plan A policyholders still are on their own to pay Medicare Part A and Part B deductibles. They are also still responsible for their own skilled nursing facility care coinsurance, Part B excess charges, and foreign travel emergency costs. However, Plan A might be the plan of choice for people who don’t want to pay higher premiums for benefits they might not use.


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MEDICARE SUPPLEMENT INSURANCE PLAN A FOR THOSE UNDER 65

Medigap Plan A is the supplement available to people under 65 in some states as long as you qualify for Medicare early because of a disability. It is made available for purchase during your open enrollment period without any underwriting. However, the cost for this plan for people under 65 can be much higher than what a 65-year-old will pay. This is because people who qualify for Medicare due to a disability oftentimes have higher medical costs. Because of this, it may make more sense for those who are eligible for Medicare because of a disability may be better served by a Medicare Advantage plan. Medicare Advantage plans offer the same rate for anyone regardless of age, gender, or even disability.


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