Medigap Plan A – Medicare Supplement

Medigap Plans
Part A Hospital Coinsurance 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 coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Benefit for Blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility 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 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 $5,120 in 2017 $2,560 in 2017 N/A N/A

Table Source

Learn More About Medicare Supplement Plan A

Discussing Medigap plan AMedigap policies are standardized, and offer the same basic benefits but some offer additional benefits.  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 and find the best plan for you.

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

Plan A offers basic coverage. This includes 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 for Medicare Part B, which is generally about twenty percent of your approved health care costs or twenty percent of outpatient hospital care.

Plan A does not cover several of the benefits that more comprehensive plans cover. Some of the benefits that aren’t covered are the coinsurance for skilled nursing care, the deductibles for both Part A and B, and emergency care for travel outside the United States. 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 f your doctor charges more than the Medicare approved amount. Plan A also does not cover At Home Recovery or Preventative Care.

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