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Medicare Supplement

Medigap Plan A

Medigap Plan A is the most basic Medicare Supplement option, covering the core benefits required by federal law; such as Part A coinsurance and hospital costs, along with Part B coinsurance (typically 20%). 

While it offers the lowest level of coverage, it’s available in most states and often comes with a lower monthly premium than more comprehensive Medigap plans.

Medigap Benefit
Plan A
Part A - Coinsurance and Hospital Costs

Up to an additional 365 days after Medicare benefits are used 

100%
Part B coinsurance or copayment
100%
Blood benefit (first 3 pints)
100%
Part A Hospice Care Coinsurance or Copayment
100%
Skilled Nursing Facility Care Coinsurance
Part A Deductible
Part B Deductible
Part B Excess Charge
Foreign travel emergency

Up to plan limits

Out-of-pocket limit**
N/A

The chart above shows basic information about the different benefits Medigap policies cover

  • 100% =  the plan covers 100% of this benefit
  • X = the plan doesn’t cover this benefit
  • % = the plan covers that percentage of this benefit and you’re responsible for the rest
  • N/A = not applicable

The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).

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