Medigap Plan A
Surprisingly, enrollments in to Plan A only represent 1% of medigap enrollments. Find out why further on in this article. Plan A is one of the 10 standardized medicare supplement plans.
Medicare Supplement Plan A provides coverage for individuals who are less than 65 years old. This represents individuals who have been automatically enrolled into Medicare due to a qualified disability.
If you or someone you know has a qualifying disability, they can choose between a Medicare Advantage plan or Medigap Plan A. These same individuals are not able to select other Medigap plans, such as Plan F or G until their 65th birthday.
- Among people with Medigap standardized plans, Plan A enrollments only represent 1% of all medigap enrollments. 1
- Between December 2014 and December 2015, enrollment in Medigap increased to 11.8 million, up from approximately 11.2 million in December 2014.1
|Standard Medicare Supplement Insurance benefits||Plan A|
|Medicare Part A co-insurance and hospital costs||✓|
|Medicare Part B co-insurance or co-payment||✓|
|First 3 pints of blood||✓|
|Part A hospice care co-insurance or co-payment||✓|
|Co-insurance for skilled nursing facility|
|Medicare Part A deductible|
|Medicare Part B deductible|
|Medicare Part B excess charges|
|Foreign travel emergency|
Plan A vs. other Medigap plan options
Check out this side-by-side comparison of how Plan A stacks up against other medigap plans. Although, if you read above, there really is no comparison here. If you qualify for a Medigap Plan A, you’ll want to compare this to an MAPD plan available in your area.
|Medicare Supplement Benefits||A||B||C||D||F1||G||K2||L3||M||N4|
|Part A co-insurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|MedicarePart B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,300 deductible in 2019 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3. Plan L has an out-of-pocket yearly limit of $2,780 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.