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Best Medicare Supplement Plan A Rates & Benefits

Medicare Supplement Plan A is the first plan that you can choose from if you’re interested in Medicare Supplement insurance. This is one of the best plan options if you’re looking for a plan with a lower premium. If you’re hoping to enhance your Original Medicare coverage with a Medigap policy that offers basic benefits, Medicare Supplement Plan A might be something to consider. This quick guide is here to help you learn more about the Medicare Supplement Plan A costs, coverage and benefits so that you can make the best decision for you.

What is covered by Medicare Supplement Plan A?

If you’re wondering what Medicare Supplement insurance Plan A covers, this is a list of the basic benefits that you can enjoy. After all, it’s important to know what health plans cover on top of the Original Medicare benefits when signing up.

These four things are covered 100 percent by this health insurance plan without any plan limits:

  • Medicare Part A coinsurance payments for inpatient hospital care for up to an additional 365 days after your Medicare benefits are exhausted
  • Medicare Part A hospice care coinsurance and copayments
  • Medicare Part B copayments and Medicare Part B coinsurance
  • The first 3 pints of blood when needed for a medical procedure

All providers that sell Medigap policies to supplement Original Medicare are required to offer this plan. Also, know that Medicare Supplement Plan A is the same from insurance company to insurance company, no matter which insurance agency you choose to purchase your health insurance from.

What is not covered by Medicare Supplement Plan A?

Since Medicare Supplement insurance Plan A is the most basic of plans for enhancing coverage through Original Medicare, there are a lot of things that are not covered, such as the Medicare Part A deductible. This means that it’s not always the best plan for those who want ample coverage for things like doctor’s office visits.

Since these things are not covered by the Medicare benefits of Medicare Part A and Part B or these Medigap plans, you’ll need to be prepared for these out-of-pocket expenses.

  • Medicare Part A deductible amount
  • Medicare Part B deductible amount
  • Skilled nursing facility care coinsurance
  • Medicare Part B excess charges
  • Foreign travel emergency costs

Additionally, the Medicare Part B premium will not be covered by Medicare Supplement Plan A. However, the Medicare Part B premium for Original Medicare is not covered by any of the Medigap plans, even if you choose a more comprehensive Medicare Supplement plans like standard or high-deductible Medicare Supplement Plan F.

Prescription drug coverage is also not included as a part of your Supplemental health insurance. After all, medication isn’t covered as part of the Medicare benefits for beneficiaries of the federal Medicare program, so it isn’t covered by the Medicare benefits of Supplement plans, either. You’ll want to sign up for an additional stand-alone Medicare Part D drug plan for this coverage. Beneficiaries can sign up for a prescription drug plan through a private insurance company to save on medical expenses related to the medication.

Medicare Supplement Plan A Rates

Medicare Supplement Plan A rates are usually the cheapest because this plan offers the fewest health care benefits when compared to the other Medicare Supplement plans. This doesn’t mean that Medigap Plan A rates are the same from every company, though. To get the lowest Medigap Plan A rates, you’ll want to compare rates from different insurance companies.

There are three different methods that an insurance agency can use when calculating rates or rates for any of the other Medicare Supplement plans. You’ll want to know how your chosen insurance agency calculates its Medicare Plan A rates or rates for other Medicare Supplement plans when choosing a provider.

  • Community-rated – Companies that calculate rates for Medicare Plan A and other Medicare Supplement plans in this way offer the same rates to all of their Medicare Supplement Plan A beneficiaries in a specific area.
  • Issue age – The best Medicare Supplement Plan A rates or rates for other Medicare Supplement plans, over the long-term, often come from companies that calculate their rates in this manner. This is because rates will be based on your age when you first sign up and will not go up because of your age later on.
  • Attained age – Many companies calculate their Medicare Plan A rates with this method. Your rates will go up as you get older if your Medicare Plan A company calculates rates in this way.

Our Best Rated Companies Offering Medicare Supplement Plan A

At My Medigap Plans, our licensed insurance agents work with many different insurance companies to find the best rates for our visitors. In our opinion, the best Medicare Supplement Plan A providers are listed here.

If you’re wondering why we think these are the best Medicare Supplement Plan A providers, consider these benefits when doing a comparison of your health care options:

  • Top financial strength and ratings
  • Long history in the health industry
  • Great tools and ease of access at all points of the process
  • Great customer service
  • Competitive rates and stability over time
  • Customer satisfaction

We can help you compare rates from these best Medicare Supplement Plan A providers and other top companies to help you find a plan that you can afford. Once you do a comparison of the benefits of the best plans and the best companies, you may find that one of these companies offers the best benefits and pricing for you.

Does Medigap Plan A cover Prescription Drugs?

Unfortunately, prescription drug coverage is not included with the benefits of any Medigap policy. If you want to enjoy these benefits, you should look into the benefits of signing up for prescription drug coverage through Medicare Part D. Signing up for prescription drug benefits can save you a lot of money on medication costs. Plus, signing up for prescription drug benefits now can help you avoid late enrollment penalties later on.

When can you enroll in Medicare Supplement Plan A?

During the Medigap Open Enrollment Period, you should consider enrolling in Medigap Plan A benefits or whatever Supplement you’re interested in. These are the main two benefits you can enjoy if you enroll in Medicare Supplement Plan A during this time:

  • You cannot get turned down because of medical underwriting.
  • You cannot be charged a higher monthly premium because of medical underwriting.

Even though it is best for Medicare beneficiaries to sign up for Medicare Supplement plans during this period, though, you can still sign up if you are outside of your Open Enrollment Period. You will be subject to medical underwriting, though. It’s best to compare plans from different companies and to compare rates to find a plan that is affordable for you.

Medicare Supplement Plan A Review

Our basic Medicare Supplement Plan A review is that you should definitely at least check out Plan A when looking for a plan. However, we are aware that it’s not a comprehensive enough plan for many people so it might not be right for you, either.

Medigap Plan A is the most basic Medigap policy that you can sign up for. Medigap Plan A is right for those who want a little more coverage than what is offered by Medicare Part A and Part B but who don’t want to pay high monthly premiums for Medicare Supplement insurance.

If you don’t have a lot of health care needs and if you want to keep monthly premiums low, you should definitely consider Medigap Plan A. Be aware that your out-of-pocket costs can be higher with this plan if you go to the doctor a lot or have a lot of healthcare needs. In those situations, looking at our Medicare Supplement plans comparison chart and comparing Medicare Supplement plan quotes for other plans to supplement Medicare Parts A and B might be wise.

For example, Medigap Plan N is an affordable plan that offers a little more coverage than Plan A. For more care for emergency room visits, doctor’s visits and more, you may want a more comprehensive plan like Medigap Plan C, despite its higher monthly premiums. A high-deductible plan like high-deductible Medigap Plan F might be worth your consideration, too. Find out what each plan covers to pick the option that will best supplement your Medicare coverage through the U.S. government throughout the calendar year without costing you too much in the form of monthly premiums.

Understanding the different types of plans that are offered for United States beneficiaries of Medicare Part A and Part B can be confusing. You may want to save on emergency room costs, hospital costs, doctor’s office visits and more, but you might not know how to get started. Our licensed insurance agents can help you compare your options for saving on medical services and medical expenses. We’ll help you compare quotes, benefits, and coverage from the best Medicare Supplement insurance companies and Medicare Advantage provider options. Then, we can help you get signed up for a plan that is right for you.

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