Medigap plan A: Overview
Medicare supplements, also known as Medigap plans, are insurance policies that help cover some of the costs that are not covered by Medicare. There are ten different Medigap plans available, and each one offers a different level of coverage.
One of the Medigap plans available is Medigap plan A. Medigap plan A is designed to help pay for some of the costs that are not covered by Medicare, such as copayments, coinsurance, and deductibles. It also helps cover some of the costs of services that are not normally covered by Medicare, such as ambulance services and preventive care.
Medigap plan A is a good option for people who are expecting to have a lot of out-of-pocket costs in the future. It can help reduce the amount of money that they have to pay for health care services. However, Medigap plan A does not cover all of the costs that are not covered by Medicare, so it is important to understand what it does and does not cover before enrolling in the plan.
Medigap plan A Enrollment
Medigap plans are offered by private insurance companies and are available to people who are enrolled in Medicare. The plans are standardized, so each Medigap plan offers the same basic benefits, regardless of which insurance company sells it. Medigap plans do not replace Medicare; they supplement it.
Medigap plan A Coverage
Medigap Plan A covers 100% of the costs associated with these 4 things:
- Medicare Part A coinsurance payments for inpatient hospital care for up to an additional 365 days after Medicare benefits are exhausted
- Medicare Part B copayment or coinsurance expenses
- The first three pints of blood used in a medical procedure
- Part A hospice care coinsurance expense or copayment
FOOTNOTES:
1. HDF and HDG are deductible versions of the F and G, respectively. If you choose one of these options, this means that you must pay for Medicare-covered costs up to the deductible amount of $2,490 (2022) before your Medigap plan pays anything.
2. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
3. Plan F, High Deductible Plan F (HDF) & Plan C are ONLY available to those who were considered Medicare-eligible prior to 2020.
4. Out-of-pocket limits for Plan K are $6,620 (2022) and $3,310 (2022).
