Medigap Plan A Details

Find out how Medigap Plan A works and what it covers

by Senior 65+ on Oct 28, 2015 | 1 Comment

Medigap Plan A Overview

Medigap Plan A is a Medicare Supplement plan that covers some of the benefits that Original Medicare. While, Medigap Plan A will cover benefits, it leaves the most gaps in coverage.

Remember Medicare Plan A plans are designed to complement Original Medicare Part A and Part B. Below is a list of what you would pay under Original Medicare alone, and then what you would pay if you enroll in Medigap Plan A. 

Medigap Plan A Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan A
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,364* You pay $1,364*
Hospital days 61-90 You pay $335 per day per day You pay $0
Hospital Days 91-150 You pay $670 per day per day (lifetime reserve days) You pay $0
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0
Skilled Nursing Facility Care Days 21-100 You pay $167.50 per day You pay 100%
Hospice Respite Care You pay 5% You pay $0
First 3 Pints of Blood You pay 100% You pay $0
Additional Blood You pay $0 You pay $0
Part B Annual Deductible You pay $185 You pay $185
Ambulance You pay 20% (Part B deductible applies) You pay $0 after Part B deductible
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0 (Part B deductible applies)
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay $0 after deductible
Part B Excess Charges You pay 100% You pay 100%
Foreign Travel Emergency You pay 100% You pay 100%
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay $0 after Part B deductible
Urgent Care You pay 20% (Part B deductible applies) You pay $0 after Part B deductible


Next Steps for Medigap Plan A

Get quote: Click here to see prices for Plan A

The fine print of the Medigap Plan A Chart Above

*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,364).

 

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Reader Comments and Questions

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By Lisa on March 25, 2016

why would anyone choose Plan A? It doesn't cover much, you're definitely not protected against financial ruin, and if you're on a tight budget High Deductible F is a much better choice.

Lisa,
We do not have a lot of clients who choose Medicare Supplement Plan A, but rather most enroll in F, G, or N. Medigap A is good for someone enrolled in Medicare and under the age of 65, because in some states only Medigap A is available for someone under 65. But, you're right, for most people, if they are trying to save money each month, and protect themselves against costly medical bills, Medigap High F, is probably a better option.
-Amy from https://www.senior65.com/



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