Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Medigap Plan A includes the “basics” for Medigap plans — the benefits that every Medigap plan covers. Plan A has lower premiums than other Medigap options because it doesn’t include the coverage that other plans provide.
Here's what you should know about Medicare Supplement Insurance Plan A.
How it works
There are 10 standardized Medigap plans available in most states (except Massachusetts, Minnesota and Wisconsin, which use different standards). The plans differ in terms of coverage for services, out-of-pocket limits and premium costs.
What Medigap Plan A covers
Here’s what Medigap Plan A covers, according to Medicare.gov:
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.
Part A hospice care coinsurance or copayment.
Part B coinsurance or copayment.
Blood transfusion (first three pints).
What Medigap Plan A doesn’t cover
Here are the benefits Medigap Plan A doesn’t cover that are included in some other plans:
Part A deductible.
Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).
Skilled nursing facility care coinsurance.
Emergency care during travel outside the U.S.
Additionally, all Medigap plans, including Plan A, sold to new Medicare members don’t cover the following:
How much does Medigap Plan A cost?
Medigap Plan A is regulated by the government, but premiums are set by the private health insurance companies that sell the plan. Prices vary as a result of factors, including age, location and tobacco use. In a representative North Carolina ZIP code (27406), monthly premiums for a 65-year-old nonsmoker range from $84 to $416.
To find out what Medigap Plan A would cost you, visit Medicare.gov.
The easiest and least expensive time to enroll in a Medigap policy is during your Medigap open enrollment period.
This period happens only once. It starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months. (If you're still working after 65 and covered by a group employer plan that is deemed creditable coverage, your six-month period starts after you’ve ended active employment or no longer have that insurance.)
Medigap policies are cheapest and easiest to get during this open enrollment period because insurance companies aren’t allowed to factor your health or medical history into your price. After the period ends, the prices may go up or you may be denied coverage due to your health status or medical history.
If you have questions about Medicare, visit Medicare.gov or call 800-633-4227 (TTY: 877-486-2048).
Compare alternative plans
Get details on Medicare Supplement Insurance options
Basics plus some extras
Lower premiums, but higher copays
Lowest premiums — partial coverage
No longer for sale to new Medicare members