Medicare Supplement Insurance Plan A – Medigap Plan A

Medicare Supplement insurance Plan A is not to be confused with Medicare Part A. Medicare Part A covers inpatient hospital care and is one half of Medicare (Part A and Part B). Medicare Supplement insurance Plan A refers instead to coverage that helps pay for out-of-pocket costs from Medicare Part A and Part B.

What is covered under Medicare Supplement insurance Plan A?

Plan A is the most basic of the 10 Medicare Supplement insurance plans, covering the fewest benefits.

Medicare Supplement insurance Plan A covers 100% of four things:

Medicare Part A coinsurance payments for inpatient hospital care up to an additional 365 days after Medicare benefits are used up

Medicare Part B copayment or coinsurance expenses

The first 3 pints of blood used in a medical procedure

Part A hospice care coinsurance expense or copayment

All 10 standardized Medicare Supplement insurance plans (A, B, F, G, K, L, M, N) cover hospital care coinsurance at 100%. All 10 plans cover the other three categories as well (Medicare Part B copayments, 3 pints of blood, and hospice care coinsurance), although Plan L covers these benefits at 75% and Plan K covers them at 50%. The nine plans other than Part A cover at least one benefit that Plan A does not cover; some plans cover up to five additional benefits.

What are the costs associated with Medicare Supplement insurance Plan A coverage?

Plan A might be the ideal plan for those who don’t wish to pay costly premiums for benefits they might never use. However, Plan A coverage has the potential for higher out-of-pocket costs if the need for the uncovered categories arises.

Medicare Supplemental Advisors is an independent insurance broker agency specializing in Medicare Supplement Health Plans including Dental, Vision, Hearing and Medicare Part D Prescription Drug Plans. Our fee is provided by the insurer that is selected and is not charged to the client.

Medicare Supplemental Advisors is not connected with or endorsed by the United States Government or with the Federal Medicare Program. Medicare beneficiaries are encouraged to seek professional advice from an independent licensed agent/broker that is authorized to provide multiple Medicare insurers before final plan selection.