Medigap Plan A
Medicare Supplement Insurance (Medigap) offers Medicare beneficiaries the option to lower certain out-of-pocket health care costs. The costs that can be covered through these plans include many expenses that are not normally paid for by Medicare Part A and Medicare Part B.
If you are interested in purchasing a Medigap plan, but you only need the minimum level of supplemental coverage, a basic plan would be best for you. There are several basic plans, but the most simplistic plan is Medigap Plan A.
This is what you need to know before purchasing Medigap Plan A.
How Does Medigap Work?
Medigap plans are sold by insurance companies that have been approved by the Medicare program. In order to purchase a Medigap plan, you may be required to provide background information on your medical history to qualify. Though, if you enroll during the Medigap Open Enrollment Period, you cannot be denied Medigap coverage and insurers must offer you the plans at the most affordable rates available.
The Medigap Open Enrollment Period begins on the date your Part B coverage goes into effect. It ends six months later. If you don’t enroll during this period, insurers will be able to use underwriting to charge you higher rates for coverage. Therefore, we suggest that our customers always leverage the Medigap Open Enrollment Period to get Medigap coverage.
Medigap Plan A Coverage
Medigap Plan A is frequently overlooked because it offers fewer benefits than all of the other Medigap plans. Though, there are still some useful benefits featured in this plan.
Through your Medigap Plan A benefits, the following out-of-pocket costs will be paid for:
- Medicare Part A Coinsurance
- Medicare Part B Coinsurance and Copayments
- First 3 Pints of Blood
- Part A Hospice Care Coinsurance and Copayments
Plan A For People Under Age 65
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