Medigap Plan A is the first of the 10 standardized Medicare Supplement insurance plans. Plan A covers items such as copayments for doctor visits and other Medicare Part B services. It has fewer benefits than several of the other Medigap plans and is attractive to shoppers who need some of the out-of- pocket liabilities under Medicare reduced but not eliminated completely. The table below outlines which of Original Medicare’s out-of-pocket costs are covered by Medigap Plan A.
|Plan A Benefits|
|Medicare Part A Deductible||No coverage|
|Medicare Part B Deductible||No coverage|
|Medicare Part B “Excess Charges”*||No coverage|
|Copayment or Co-Insurance Fee for Medicare Part B services||100% coverage|
|Part A Co-Insurance Fees & Hospital Costs for up to 365 days after Original Medicare Benefits are Exhausted||100% coverage|
|Cost of first 3 Pints of Blood||100% coverage|
|Copayment or Co-Insurance Fee for Medicare Part A Hospice Care||100% coverage|
|Co-Insurance Fees for Skilled Nursing Facility Care||No|
|Foreign Travel Medical Emergency Coverage (up to plan limits)||No|
|Annual Limit on Enrollee Out-of-Pocket Expenses?||Not applicable|
If you are interested in coverage for all the out-of-pocket costs listed in the above table, consider Plan F.
Some people with Medicare confuse Medigap Plan A for Medicare Part A. “Part A” is the program within the government’s Medicare benefit that covers hospital services such as surgery. “Plan A” is a private insurance plan used to supplement Medicare coverage and pay for some of the out-of-pocket costs that face Medicare enrollees.
HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, or an individual and family health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. HealthPocket, Inc. is part of the Benefytt Technologies, Inc. family of companies.