Medicare Supplement Plan A covers the basic set of benefits. These basic benefits include most Medicare Part A and B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare.
All insurance companies that sell Medigap policies must offer Plan A. Plan A is often the least expensive of the Medigap plans. In certain states, people under 65 years of age can only enroll in Plan A. According to CSG Actuarial, Plan A and Plan B combined account for 3% of all Medicare Supplement plans sold.
Part A Hospital Coinsurance
- Plan A pays for the Part A co-insurance.
- Days 61-90 of a hospital stay in each Medicare benefit period.
- Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime.
- In other words, Plan A will pay for the 20% co-insurance if you are in the hospital for more than 60 days.
Additional Part A Hospital Benefits
- An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits.
Part B Coinsurance
- Pays for the Part B coinsurance after you meet your annual deductible. In other words, once you pay $198 out of pocket, the plan will pay 100% for the rest of the year. The Part B Deductible is $198 in 2020.
Part A and B Blood Coverage
- Pays for the first three pints of blood per calendar year.
Part A Hospice Coinsurance
- Pays for outpatient prescriptions drug and also inpatient respite care coinsurance.
Medicare Supplement Plan A does not pay for the Part A deductible nor the Part B deductible.
Plan A Enrollment by State
The following data is provided by Ahip.org and it is as of December 31, 2017:
- New York had 14,284 people enrolled in Plan A. Plans F, C and also N had more enrollees.
- Michigan had 11,141 people enrolled in Plan A. Plans C, F, G and also N had more people enrolled.
- Florida had 10,502 people enrolled in Plan A. Plans B, D, C, F, G and also N had more enrollees.
- Texas had 8,361 people enrolled in Plan A. Plans C, F, G and also N had more enrollees.