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Medigap Plan A: Medicare Supplement Insurance
By Chris Gasparini
May 23, 2020
|Part A Hospital Co-insurance||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|365 Hospital Reserve Days||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Part B co-insurance/co-payment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Blood Benefit (first 3 pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Part B deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Part B excess charge||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Benefit||No||No||80%||80%||80%||80%||No||No||80%||80%|
2020 data – Table Source
About Medicare Supplement Plan A
Medigap policies are standardized, meaning each plan letter offers the same benefits no matter which insurance provider you choose. Insurance companies that sell Medigap policies must offer Medigap Plan A. Price and service can vary by insurance company, however, so it is important to research and compare to find the plan that best fits your needs.
Medigap Plan A offers basic service coverage to the policyholder. An advantage to Plan A is that you might not have to pay for benefits you don’t think you’ll use. On the other hand, this could also result in extra costs, should you need more services. If you feel you need only basic coverage and can assume the remaining risk yourself, Plan A might be a good choice for you.
Some of the benefits Medigap plan A offers are hospitalization, medical expenses, and blood (first 3 pints). Hospitalization covers the coinsurance for Part A as well as compensation for the next additional year (365 days) after your Medicare benefits are used up. Plan A will also pay the coinsurance or co-payment for Medicare Part B as well as Medicare Part A hospice care coinsurance or co-payment.
Plan A does not cover several of the benefits that some of the more comprehensive plans cover. Some of the benefits that aren’t covered are the coinsurance for skilled nursing facility care, the deductibles for both Medicare Part A and B, and benefits for travel outside of the United States. Medigap Plan A does not cover any excess charges under Part B. Plan A coverage is limited to Medicare-approved charges. This means that you may be responsible for paying additional compensation yourself if your doctor charges more than the Medicare-approved amount. Plan A also does not cover at home recovery or preventive care.
It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare supplement plans. Most insurance carriers offer a variety of plans, and our licensed sales agents can help you find the plan that would best meet your needs.
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