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Medigap Plan A

Medigap plan A is one of the least expensive Medicare supplement plans you can purchase.  While the low cost is an advantage you are giving up some coverage to get that low price.  If you came looking to get quotes for Medicare supplements then fill out the form on this page.  Otherwise, keep reading to learn more about Medigap plan A and how it may be a good option for your Medicare insurance needs.

Medigap Plan A Coverage

Medicare Supplement plan A fills the smallest number of Medicare coverage gaps.  This does not mean it is a bad plan but that you will be open to more charges.  Here are the gaps that are filled Medicare supplement plan A covers:

  • Medicare Part A coinsurance and costs of an additional 365 days after the Medicare benefits are finished
  • Cost of the first three pints of blood for a blood transfusion
  • Medicare Part A hospice care coinsurance
  • Medicare Part B coinsurance and copayments

Medicare Supplement Plan A Missed Gaps

With only filling four of the nine coverage gaps left by Medicare, Medigap plan A does leave you open to some risk.  The Medicare gaps that are not covered by Medigap plan A are:

  • Medicare Part A and Part B deductibles
  • Skilled nursing facility care coinsurance
  • Excess charges above the Medicare Part B approved amounts
  • Expenses for foreign travel emergencies

As you can see this leaves some significant exposure and this is why many people choose to go with Medicare supplement plan f or one of the other medigap plans even though they will cost more on a monthly basis.

The question we frequently get is, “Why would anyone choose to go with Medicare supplement plan A?”  The quick answer is price.  Consider if you are in very good health when you go on Medicare.  While the costs are potentially high, if you have a good bit of savings you can use Medigap plan A to make sure that you do not get any catastrophically large bills.  It is very close to the person who gets high deductible personal health insurance instead of a more comprehensive policy because they can save more in the long run with the lower premiums.

At MedigapPlanF.net we are dedicated to helping you find the best Medicare supplement plans for your needs.  This means that whether Medicare supplement plan A or one of the other Medigap plans is the right plan for you.  If you have any questions or if there is any way we can serve you please let us know.