Medigap Plan A Benefits

Medigap Plan A is the most basic supplement that helps fill in the "gaps" in Medicare.

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.

If you are still unsure of which Medigap plan is appropriate for you, we can help. We will discuss all the coverage options with you to determine which plan is appropriate for your specific goals.