Medicare Supplement Plan A

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.

Quick Facts

• 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

Medicare covered services are covered completely on Plan F. Keep in mind that you still need to account for any out-of-pocket costs for dental or vision with a standalone plan.

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.

¹America’s Health Insurance Plans (AHIP), Trends in Medigap Enrollment and Coverage Report