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Medigap Plan A

Medigap Plan A — not to be confused with Medicare Part A — refers to coverage that helps pay for out-of-pocket expenses from Medicare Parts A and B. 

Medigap Plan A is also known as Medicare Supplement Insurance Plan A.

What’s Covered Under Medigap Plan A?

Plan A is the simplest of the 10 Medigap plans, covering the fewest benefits. However, it covers 100% of the following:

  • Medicare Part A copayments for inpatient hospital care up to an additional 365 days after Medicare benefits are used up
  • Medicare Part B copayment 
  • First 3 pints of blood used in a medical procedure
  • Part A hospice care copayment

What Are the Costs Associated With Medigap Plan A coverage?

Medigap Plan A policyholders are liable for their Medicare Part A and Part B deductibles. They also have to pay for Part B excess charges, skilled nursing facility care coinsurance, and foreign travel emergency costs. Other Medigap plans may cover these five categories. 

If you don’t want to pay expensive premiums for benefits you might never use, consider Plan A. However, Plan A coverage can result in higher out-of-pocket expenses if you need an uncovered category.

Medigap Plan A for Those Under 65

If a disability allows you to qualify for Medicare before you turn 65, Medicare Supplement Insurance Plan A is available in some states. You can buy Plan A during the open enrollment period without underwriting. 

But people under 65 usually have to pay more for this plan because disabilities can lead to higher medical bills. So, if you’re eligible for Medicare because of a disability, consider choosing a Medicare Advantage Plan instead. Medicare Advantage plans have the same price for everyone regardless of your age, gender, or even disability.  

If you have Medigap questions or would like to schedule an appointment, call us at (316) 260-3331.