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Medicare Supplement Plan A is one of the supplement plans that helps to fill in the 20% in Medicare. Medicare Supplement Plan A is also referred to as Medigap Plan A. Plan A covers the most important benefit, which is the 20% of the outpatient medical care that Medicare doesn’t cover. This makes Plan A still a very good plan today. This plan has been overlooked at times because it has fewer benefits than other Medicare Supplement plans.
Medigap Plan A is also available to people under age 65 if you qualify for Medicare early due to a disability. This policy is available for purchase during your open enrollment period without underwriting but the cost of this plan for people UNDER age 65, can be a lot higher than what a 65-year old will pay. For this reason, people on Medicare disability may want to consider a Medicare Advantage plan because the rate is the same for anyone enrolled, regardless of age, gender, etc.
When you turn 65, you can use your open enrollment period to change to a supplement. Medicare Supplement Plan A will be priced just as any other supplement plans. Generally people choose more comprehensive plans like Plan F and Plan G that provide fuller coverage.
In Medicare Supplement Plan A you are responsible for paying your Medicare Part A and Part B deductibles. You must also pay for skilled nursing facility care coinsurance, Part B excess charges, and foreign travel emergency costs. These five categories may be covered by other Medicare Supplement insurance plans. Plan A might be the ideal plan if you do not wish to pay costly premiums for benefits you might never use. However, Plan A coverage has the potential for higher out-of-pocket costs if the need for the uncovered categories arises.
At Nevada Medicare we can help you sort through the different plans, confusion and understand your options. Let us do all the work for you: