Medigap Plan A
Medigap Plan A is the most basic supplement that helps fill in the “gaps” in Medicare.
Medigap Plan A Benefits
While Plan A has fewer benefits than other Medigap policies, it still covers the 20% of outpatient care that Original Medicare doesn’t.
Medigap Plan A is still a very solid option, offering these benefits:
✔ First 3 pints of blood
✔ Medicare Part B coinsurance
✔ Part A hospice care coinsurance
✔ Part A coinsurance and hospital costs
Costs Associated with Medigap Plan A
Plan A policyholders are responsible for their Part A and Part B deductibles, along with Part B excess charges, skilled nursing facility coinsurance, and foreign travel emergency expenses. Other Medicare Supplements may cover these items.
Medigap Plan A for Disabled Under 65
Plan A is made available to those under 65 in most states. If you qualify for Medicare (early) because of a disability, you can buy this policy during your Medigap open enrollment window — without medical underwriting.
However, the cost for people under 65 could be much more than what a 65 year-old would pay. If you’re on Medicare disability, you may want to consider Medicare Advantage plans.
More on Plan A
If you’re over 65, Plan A will be priced like any other supplement. Not many folks over 65 choose it, though. In general, they pick more comprehensive policies like F or G — due to the fuller coverage.
Also, don’t confuse Medicare Part A with Medigap Plan A. They’re not the same thing. Part A is your Original Medicare hospital coverage.
Contact Us Today
If you have questions about Medicare Supplements or you need a quote, we can help. Please contact Simple Retirement Benefits today!
