Medicare Supplement (Medigap) Plan A

Medicare Supplement Plan A, or Medigap Plan A, is a basic plan that covers the 20% of outpatient medical care that Medicare expects you to handle. It also provides Medicare Part B copayment coverage and the first three pints of blood that you’re typically responsible for. 

What Is Covered Under Medigap Plan A?

Of the 10 Medicare Supplement Insurance plans, Plan A is the simplest. But it covers the most frequent things Medicare beneficiaries require. Medigap Plan A covers all of the costs associated with: 

  • Part A hospice care copayment
  • Medicare Part B copayment
  • The first three pints of blood used during a medical procedure
  • Medicare Part A copayments for inpatient hospital care for up to an additional 365 days after Medicare benefits are used up

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What Is Not Covered By Medigap Plan A?

Policyholders are still responsible for paying the deductibles for Medicare Part A and Part B. They are also still on the hook for their own skilled nursing facility care copayments, Part B excess charges, and costs for foreign travel emergencies. But Plan A might be a popular choice for people who want to avoid paying higher premiums for benefits they may not use.

Medicare Supplement Plan A for Those Under 65

If you qualify for Medicare before 65 because of a disability, Medigap Plan A is available to you (in some states). You can purchase it during the open enrollment period without any underwriting. However, people under 65 often have to pay much more for this plan than 65 year-olds because disabilities can result in higher medical costs. So, if you are eligible for Medicare due to a disability, it may be better for you to choose a Medicare Advantage Plan instead. Medicare Advantage plans offer the same price for anyone no matter your gender, age, or even disability.  

For all your Medigap questions, call us at 800-515-4031.