Medicare Supplement Plan A is typically among the least expensive Medicare Supplement
Insurance plan you can get. With Medicare Supplement Plan A, you can visit any doctor
or hospital that accepts Medicare. This factor alone makes it a very attractive incentive
to sign up for Medigap. Medigap policies may allow you to receive more health care
in the long run.
Specific benefits Medicare Supplement Plan A includes:
• 100% of the Part A coinsurance/copayment (not the deductible) and for the cost
of 365 extra days of hospital care after Medicare coverage ends
• 100% of the Part B coinsurance (usually 20 percent of the Medicare approved payment
• 100% of the cost of the first three pints of blood (considered the blood deductible
• 100% of Medicare Preventive Care Part B Co-insurance
• Hospice Part A co-insurance (outpatient prescription drug co-payment and inpatient
respite care coinsurance)
Of the ten Medigap policies available, Medicare Supplement Plan A is the basic policy.
All Medicare Supplement Insurance Companies are required to offer Medicare Supplement
Plan A. Not all insurance companies carry all of the Medigap policies. However, in
order for you to purchase any of the Medigap policies, you must have Medicare Part
A and Part B. Being the basic policy, Medicare Supplement Plan A provides less coverage
than the other standardized Medigap plans. But those on a budget or those who are
covered by Medicare Insurance because of a disability may find it a good option.
Medicare Supplement Plan A doesn’t cover:
• Coinsurance for Skilled Nursing
• Part A Deductible
• Part B Deductible
• Part B Excess Charges
• Foreign Travel
• At Home Recovery
• Preventative Care
• Vision Care
• Dental Care
When choosing a Medigap insurance policy, consider not only your health today, but
also what your health may be in the future.