Medigap Plan A
Medigap Plan A, or Medicare Supplement Plan A, is a basic Medigap plan that covers the 20% of outpatient medical care Traditional 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.
Medigap Plan A is required to be offered by any Medicare Supplement Carrier doing business in a specific state. This plan is not often a viable or desirable option, though we find many end up on it for one reason or another. Our recommendation is to explore one of the three most popular plans, Plan F, G or N.
Learn more about Medigap Plan F.
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
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.
Medigap for Disability Medicare
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.