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Medigap Plan A

Medicare supplement Plan A is specific to individuals under the age of 65..

Medigap Plan A

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 G, until their 65th birthday.

Quick Facts
  • Among people with Medigap standardized plans, Plan A enrollments only represent 1% of all Medigap enrollments. 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 in full after the Part B deductible on Plan G. 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 the Advantage plans 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 $2,870 deductible in 2025 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. 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 $3,610 in 2025. 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.

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Alternative to Plan A

Medicare Advantage is generally a better fit than Plan A for people under 65 that are eligible for Medicare.