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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 for which you’re typically responsible.  It is one of the 10 Medicare Supplement plans, and plans are lettered from A to N, whilst each letter provides a different amount of coverage. Medigap policies work alongside Original Medicare, so, if you have a Medicare Advantage plan you cannot purchase any Medigap policy.

What Is Covered Under Medigap Plan A?

Of the 10 Medigap policies, 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 Isn't Medigap Plan A Coverage?

Policyholders are still responsible for paying Medicare Part A and Part B deductibles. In 2023, Medicare Part A deductible for each benefit period is 1600$ whilst the Part B annual deductible amount is 226$. They are also still on the hook for their own skilled nursing facility care coinsurance, Part B excess charges, and costs for foreign travel emergencies. But Plan A might be a popular choice for people who want to avoid paying higher premiums for benefits they may not use. The average monthly premium for Medigap plan A may be from 110$ to 180$ a month. Factors that may influence your monthly premium costs are your ZIP code, gender, age, tobacco usage, your enrollment period, etc. 

Beneficiaries will also not be covered for private duty nursing, prescription drugs, vision care, dental care, and long-term care. 

 Medigap plan A maybe don’t cover that much but it may be good for those who are. not worried about higher out-of-pocket costs, don’t travel abroad, and want to pay less for their monthly premium. 

Medicare Supplement Plan A for Those Under 65

f you qualify for Medicare before 65 because of a disability, Medicare Supplement Insurance 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 their gender, age, or even disability.

For all your Medigap questions, call us at 830-468-5896.