Medicare Supplement Plan A
Medicare Supplement Plan A is one of the standardized Medicare Supplements plans available in 47 states of the United States, except in Massachusetts, Minnesota, and Wisconsin. In other words, the Plan A that’s offered in one state provides the same coverage as the Plan A that’s offered in another state.
Although it sounds and looks similar to Medicare Part A, they are not the same and should not be mistaken for the other.
Plan A is the first and the most basic of the 10 Medicare Supplement plans. It is the Medigap plan with the lowest premiums and the fewest benefits.
Medicare Supplement Plan A covers 100% of the following things:
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Medicare Part A coinsurance payments for inpatient hospital care up to an additional 365 days after Medicare benefits are used up
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Medicare Part B coinsurance or copayment
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The first 3 pints of blood used in a medical procedure
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Part A hospice care coinsurance or copayment
Medicare Supplement Plan A is the only plan that doesn't cover Part A deductible. It also doesn't cover the following:
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Skilled nursing facility care coinsurance
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Part B deductible
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Part B excess charge
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Foreign travel emergency medical costs
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Hence, Medicare Supplement Plan A policyholders pay out-of-pocket for the costs mentioned above.
Medicare Supplement Plan A has the highest likelihood of incurring higher out-of-pocket costs if the need for the uncovered expenses arises. It may seem ideal for policyholders who don't wish to pay expensive premiums for benefits they might never use. However, for just a few dollars more Medigap Plan G and Plan N are usually a much better value.
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