Medigap Plan A: Medicare Supplement Insurance

Medigap Plan A

About Medicare Supplement Plan A

Medigap Plans

Benefits

A

B

C

D

F

G

K

L

M

N

Part A Hospital Co-insurance

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

365 Hospital Reserve Days

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance/co-payment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes***

Blood Benefit (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Hospice coinsurance/co-pay

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled Nursing Facility coinsurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign Travel Benefit

No

No

80%

80%

80%

80%

No

No

80%

80%

Out-of-pocket limit

N/A

N/A

N/A

N/A

N/A

N/A

$6,940

$3,470

N/A

N/A

2023 data – Table Source

Medigap policies are standardized, meaning each plan letter offers the same benefits no matter which insurance provider you choose.  Insurance companies that sell Medigap policies must offer Medigap Plan A. Price and service can vary by insurance company, however, so it is important to research and compare to find the plan that best fits your needs.

Medigap Plan A offers basic service coverage to the policyholder. An advantage to Plan A is that you might not have to pay for benefits you don’t think you’ll use. On the other hand, this could also result in extra costs, should you need more services. If you feel you need only basic coverage and can assume the remaining risk yourself, Plan A might be a good choice for you.

Some of the benefits Medigap plan A offers are hospitalization, medical expenses, and blood (first 3 pints). Hospitalization covers the coinsurance for Part A as well as compensation for the next additional year (365 days) after your Medicare benefits are used up. Plan A will also pay the coinsurance or co-payment for Medicare Part B as well as Medicare Part A hospice care coinsurance or co-payment.

Plan A does not cover several of the benefits that some of the more comprehensive plans cover. Some of the benefits that aren’t covered are the coinsurance for skilled nursing facility care, the deductibles for both Medicare Part A and B, and benefits for travel outside of the United States. Medigap Plan A does not cover any excess charges under Part B. Plan A coverage is limited to Medicare-approved charges. This means that you may be responsible for paying additional compensation yourself if your doctor charges more than the Medicare-approved amount. Plan A also does not cover at home recovery or preventive care.

It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare supplement plans. Most insurance carriers offer a variety of plans, and our licensed sales agents can help you find the plan that would best meet your needs.

ERIC RUGE
Florida native Eric Ruge lives by one rule: Do the right thing. His goal as a Medicare agent is helping people find the right Medicare coverage for their unique medical needs and budget. He believes everyone deserves the peace of mind they get knowing they made the right decision about their Medicare coverage. When he's not working, Eric enjoys spending time with family and friends, watching Tampa sports, and playing the occasional round of golf.

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