Medigap Plan A — Basic Medicare Supplement Coverage Explained
If you are exploring Medicare Supplement options, Medigap Plan A is the most basic standardized plan available. While it offers fewer benefits than more comprehensive plans like Plan G or Plan N, it establishes a foundation of core Medicare Supplement benefits at a lower monthly premium. As an independent Medicare insurance broker serving New York, New Jersey, and nationwide, I help seniors understand all their Medigap options — including Plan A.
What Does Medigap Plan A Cover?
Medigap Plan A includes the following core benefits:
- ✅ Part A hospital coinsurance — covers hospital costs up to 365 days after Original Medicare benefits are exhausted
- ✅ Part A hospice care coinsurance or copayment
- ✅ Part B coinsurance or copayment — covers your 20% share of outpatient medical costs
- ✅ Part B preventive care coinsurance
- ✅ First three pints of blood for a medical procedure
- ❌ Part A deductible — not covered ($1,736 in 2026)
- ❌ Part B deductible — not covered ($257 in 2026)
- ❌ Part B excess charges — not covered
- ❌ Skilled nursing facility coinsurance — not covered
- ❌ Foreign travel emergency coverage — not covered
Is Medigap Plan A Right for You?
Plan A is the least comprehensive Medigap option and is rarely the best choice for most seniors. Because it leaves significant gaps — including the Part A deductible of $1,736 — most beneficiaries find that plans like Plan G or Plan N offer far better value. However, Plan A may appeal to seniors who want the lowest possible monthly premium and are comfortable taking on more out-of-pocket risk.
As an independent broker, I always compare all available plan options to make sure you get the coverage that best fits your health needs and budget — not just the lowest premium.
Get a Free Medicare Supplement Consultation
Not sure if Plan A is right for you? I can help you compare all available Medicare Supplement plans side by side, completely free of charge.
📞 Contact Craig Smith Insurance Group today at (917) 740-1895 for your free Medigap consultation. Serving New York, New Jersey, and nationwide.
