What Is Medigap Plan A?

Medigap Plan A refers to coverage that helps you pay for some out-of-pocket costs from Original Medicare, including Medicare Part A (Hospital) and Part B (Medical.) Medigap Plan A is also known as Medicare Supplement Insurance Plan A. It shouldn't be confused with Medicare Part A, a different plan that offers distinct benefits. 

Health Plans of NC, Kelly Quinn
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Medigap Plan A refers to coverage that helps you pay for some out-of-pocket costs from Original Medicare, including Medicare Part A (Hospital) and Part B (Medical.) Medigap Plan A is also known as Medicare Supplement Insurance Plan A. It shouldn't be confused with Medicare Part A, a different plan that offers distinct benefits. 

Medigap Plan A Coverage

There are 10 different Medigap plans available for you to choose from, and Plan A is the most basic type of plan available. However, it offers a few benefits, including 100% coverage for: 

  • Medicare Part A copayments for inpatient hospital care - covering up to an extra 365 days after using your Medicare benefits 

  • Copayment for Medicare Part B

  • Your first three pints of blood for any medical procedures

  • Part A hospice care copayment

How much does Medigap Plan A cost?

If you enroll in a Medigap Plan A policy, along with the Plan A premium, you'll be required to pay for your Medicare Part A and Part B deductibles. In addition, you also need to pay for Part B excess charges, which refers to any additional costs by a health provider that Medicare doesn't cover. Other costs include foreign travel emergency costs and coinsurance for skilled nursing facility care. 

Medigap Plan B can be a good choice for people who don’t want to pay premiums for health services they may never use. However, Plan A coverage does mean you're likely to have higher out-of-pocket expenses when seeking medical care than if you choose another type of plan.

Medigap Plan A For Under 65’s

In 2020, North Carolina introduced a guarantee to any individuals under 65 with a disability to be eligible to purchase a Medigap Plan A. You can buy a Medigap Plan A during your open enrollment period without any underwriting. People under 65 typically pay more for a Medigap Plan A because disabilities can mean higher medical bills. There are other options available to you, so it's worth getting specialized advice from an independent health insurance agent before making a decision. 

Enrolling in Medigap Plan A

You can enroll during your Medicare Supplement Open Enrollment Period, which lasts six months from when you first enroll in Medicare Part B. Enrolling during this period means that you won't be rejected regardless of your current health status. You won't have any waiting periods and even if you have a pre-existing condition, you won't have to pay higher premiums. 

It's a good idea to speak to a local Medicare agent before enrolling, as you must live within the plan's service area. Enrolling during your guaranteed issue period is also essential, as you won't be able to take advantage of the benefits of enrolling during this period at a later date.

Questions about Medigap plans?

If you've got any questions about what is a Medigap plan or what type of Medigap plan is right for you, get in touch with Health Plans of NC today. Our team of dedicated, experienced, and knowledgeable Medicare agents NC, can answer all your questions and provide an easy to understand quote for Plan A Medigap. We can help you choose one of the best Medigap plans for you.

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