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.
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