Medigap Plan A, or Medicare Supplement Plan A, is a 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 generally 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 viable or desirable, though we find many ends up on it for one reason or another. We suggest exploring one of the three most popular plans, Plan F, G, or N.
Plan A is the most elemental of the 10 Medicare Supplement Insurance plans. However, it covers the most typical things Medicare beneficiaries need.
Medigap Plan A covers 100% of the expenses associated with these four things:
- Medicare Part A coinsurance costs for inpatient hospital care for up to an added 365 days after Medicare benefits are depleted
- Medicare Part B copayment or coinsurance payments
- Three pints of blood used in a medical procedure
- Part A hospice care coinsurance cost or copayment
What is not covered by Medicare Supplement Plan A?
Medicare Supplement Plan A policyholders still are on their own to pay Medicare Part A and Part B deductibles. They are also accountable for their skilled nursing facility care coinsurance, Part B extra charges, and foreign travel emergency costs. Nonetheless, Plan A might be the option 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 available for purchase without any health questions during your open enrollment period.
However, the price of this plan for people under 65 can be much higher than what a 65-year-old will spend. People who qualify for Medicare due to a disability often have increased medical costs.
Because of this, it may make more sense for those eligible for Medicare because a Medicare Advantage plan may better fit a disability. Medicare Advantage plans offer the exact cost for anyone regardless of age, gender, or disability.