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Home / Resources / Medigap Plan A: Medicare Supplement Insurance

Medigap Plan A: Medicare Supplement Insurance

By Chris Gasparini

Chris Gasparini has been a licensed insurance agent since 2005. He enjoys helping Medicare beneficiaries navigate their options to find the best solution for their unique needs. Chris feels as though ...his work truly helps people. Because he represents multiple insurance companies and plan types, Chris is able to help Medicare beneficiaries find the most cost-effective plan. Every day, he leaves work knowing he did what was right for each and every client he serves.Read more

May 23, 2020


Medigap Plans

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
Hospice coinsurance/co-pay 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%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $6,220 $3,110 N/A N/A

2021 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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Originally posted on Dec 08, 2020 05:12:27

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The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.


Last Updated 01/13/2021