Plan A might be a good choice for you if you feel you need only basic coverage and can assume the remaining risk yourself.

Medicare Supplements

Plan A

Since Medigap policies are standardized, each plan letter offers the same benefits for any insurance provider chosen. Medicare Supplement Plan A must be offered if insurance companies sell Medigap policies. It is important to research and compare to find a plan that fits your needs because price and services can vary by insurance companies.

Medigap Plan A offers basic service coverage to the policyholder. An advantage to Plan A is that you might not have to pay for benefits that you don’t plan on using. However, this could result in extra costs if you need more services.

Some of the benefits offered by Medigap Plan A:

Hospitalization
Medical expenses
Blood (first 3 pints)

Hospitalization covers the coinsurance for Part A and the compensation for the next additional year after your Medicare benefits expire. The plan will also pay the coinsurance or co-payment for Medicare Part B as well as Medicare Part A hospice care, coinsurance, or co-payment.

Plan A does not cover benefits that some of the more comprehensive plans cover:

Coinsurance for skilled nursing facility care
Deductible for both Medicare Part A and B
Benefits for travel outside of the United States
Excess charges under Medicare Part B
Limited to Medicare-approved charges
At-home recovery or preventive care