Medigap Plan A
Medigap Plan A is part of Medicare supplement plans and it helps to cover a small amount of the costs that aren’t covered by Original Medicare. It is a basic Medigap Plan and it has the least amount of benefits in comparison to other Medigap plans.
What has been covered under medicare supplement plan A?
This plan covers just the common things that are required by Original Medicare benefits.
Therefore, 100% of coverage includes:
- Part A coinsurance
- hospital stay costs up to 365 days after Medicare benefits reach their limit
- Part B coinsurance or copayment
- First three blood prints
- Part A coinsurance and copayment for hospice care
What isn’t covered by this plan:
Medigap Plan A doesn’t cover for:
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B excess charge
- Foreign travel exchange
Medigap plan A Eligibility
You can be eligible for Medigap Plan A if you are eligible for Original Medicare and are already enrolled in it. However, people under the age of 65 are eligible for this plan in some states if they had earlier enrollment into Original Medicare due to disability.
However, the costs can be twice as higher for those younger than 65 than those who enrolled in Medicare at the age of 65.
How much does it cost?
This plan doesn’t cover Part A and Part B deductibles so you’ll need to cover those costs. Your average cost can be 110 to 180$ dollars per month. Those costs are variable and some factors like age, gender, living area, enrollment period, etc. can impact your supplement rates.
This plan can be good if you are looking for lower monthly premiums and don’t travel abroad. However, notice that your out-of-pocket hospital costs will be much higher.