Medicare Supplement Plan A (Medigap)

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Medicare Supplemental PLAN A vs Medicare PART A are two completely different things.

However, Medicare Supplements and Medigap are the same thing.

Part A is the hospital portion of Original Medicare, whereas Medicare Supplemental Plan A is a type of supplement policy.

Medicare pays for most medical expenses. However, Medicare doesn’t pay for all medical services and necessary medical supplies and leaves a gap in coverage.

As a result of this Medicare gap in coverage, supplements were created.

Medicare Supplemental Plan A

Private insurance companies sell this plan to cover some of the out of pocket costs that Medicare beneficiaries have to pay for their healthcare.

This coverage doesn’t cover your Medicare Part B premiums, however, it does assist with deductibles, coinsurance, and co-payments.

Supplement polices must follow certain federal guidelines and state guidelines. These policies help protect Medicare recipients.

Carriers can only sell coverage that is standardized, so each policy must meet certain basic standards regardless of what private company offers the coverage.

Federal and state laws mandate that these basic services are included.

However, some plans provide additional benefits. This gives a Medicare beneficiary the ability to choose a plan that meets the specific needs of the individual.

Medicare Supplemental Plan A Coverage

Medicare Supplemental Plan A Coverage has the least benefits out of the 10 plans that are available.

Just like the other plans, Plan A Medicare Supplement doesn’t offer drug coverage.

To get a drug plan you must sign up for one of the stand-alone Medicare Prescription Drug plans.

This stand-alone plan must work in conjunction with Plan A, or a person can join a Medicare Advantage plan that differs from a supplemental plan.

Medicare Supplemental Plan A Benefits Eligibility & Enrollment

Generally to be eligible for Medicare Supplemental Plan A, the person must already have traditional Medicare coverage.

There’s a time frame when it’s best to buy a policy. That time frame is during your Open Enrollment Period. Your Medigap Open Enrollment dates begin on the 1st day of the month you’re 65 or older and also enrolled in Part B of Medicare.

During this time, carriers cannot refuse to sell a person a policy due to health conditions.

In addition, they cannot charge a person more due to any health conditions that the person may have when they join the plan. You can find the Medigap guaranteed issue guidelines here.

A married couple must have their own individual policy. One plan will not cover both persons. If your disabled, Medicare Supplemental Plan A may be available to you depending on your state of residency.

Prices for Medicare Supplemental Plan A

Plan A is the lowest cost Medicare Supplement insurance since it has the least amount of coverage. The carrier will require a monthly premium to be paid each month.

The premiums will vary according to which carrier the Medicare beneficiary selects. You can read about the top 10 Medicare Supplement companies here.

Fortunately, there are a number of carries that offer these plans in each state. An individual has a choice when selecting a plan.

It’s important to compare plans because every plan has advantages and disadvantages; you must choose the plan that is right for you.

You can learn more about the top Medicare Supplement insurance plans here.

Get a Medicare Supplement Plan Online Now

To get a supplement plan online now, please complete our online form or contact our licensed Medicare agents so we can offer guidance at no charge for your Plan A Medicare or any supplement plan.

Our services are 100% cost free and there’s not an obligation to sign up for a particular plan.

If you call us, our trained licensed professionals can assist you with any concerns or questions you may have about the different policies and shop to find the most affordable Medicare Supplement plans in your area.