DISABLED INDIVIDUALS
Medigap Plan A
Medicare supplement Plan A is specific to individuals under the age of 65..
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 |
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 $2,700 deductible in 2024 before it covers anything. 2. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. 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 $3,530 in 2024. 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. |
||||||||||
Alternative to Plan A
Medicare Advantage is many time a better alternative for folks eligible for a Medicare Supplement Plan A.
