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Medigap - Plan A

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Important Points

  • Medigap (Supplement) Plan A is available in most states for those enrolled in Medicare under 65.

  • Medigap Plan A is a type of Medicare Supplement plan that helps fill the gaps in Medicare.

  • Medigap Plan A covers your 20% outpatient coinsurance.

Medigap Plan A is the most basic Medicare Supplement Plan.

Mohring Insurance Services LLC | Talk to a Medicare Expert at (866) 440-1885

Medigap Plan A Benefits

Medigap Plan A is the same, and also referred to, as Medicare Supplement Plan A. This plan typically gets overlooked since it has fewer benefits than other Medigap insurance plans.

What does Medigap Plan A cover exactly? It still covers the most important benefit, which is the 20% of outpatient medical care that Medicare doesn't cover.

If Medigap Plan A pays this, it is still a very good plan. It could be a strong candidate for someone who wants extra coverage for the gaps in Medicare, but would like to keep their premium on the lower side.

Medigap Benefits - Plan A

Medicare Part A Coinsurance & Hospital Costs

(Up to an additional 365 days after Medicare benefits are used)

Medicare Part B Coinsurance or Copayment

Blood (First 3 Pints)

Part A Hospice Care Coinsurance or Copayment

Skilled Nursing Facility Coinsurance

Medicare Part A Deductible

Medicare Part B Deductible

Medicare Part B Excess Charges

Foreign Travel Emergency (up to plan limits)

Medigap Plan A for Disabled Under 65

Medigap Plan A is also the insurance policy that is made available to people under the age of 65 in most states. Therefore, if you qualify for Medicare early due to a disability, this policy is available for purchase during your Open Enrollment Period without any underwriting.

It is important to be aware that the cost of this plan for people UNDER the age of 65 can be as much as 3 times what a 65-year-old would pay. This happens since people who qualify for Medicare due to a disability often have higher medical costs than the average 65 year old person. The loss rations are higher and those costs get passed on to you in the form of premium increases.

Due to the nature of how expensive it can be, people on Medicare disability might want to look into a Medicare Advantage plan. On Medicare Advantage plans the rate is the same for anyone enrolled, regardless of age, gender, etc. Later on, when you turn 65, you can use your second Open Enrollment window to switch to a Medigap plan if you prefer that. At this time you will also have additional Medigap plan options.

For those who are over 65, Medigap Plan A would be priced just as any other Medigap plan, but not many people choose it. Generally, people choose more comprehensive plans like Plan G and Plan N that provide much fuller coverage.

Plan A is NOT "Part A"

People usually get confused about whether Plan A is the same thing as Part A. It is not. Medigap Plan A is one of the Supplement plans that helps to fill in the gaps in Medicare. (Medicare Part A is your Original Medicare hospital coverage.)

If you find this to be confusing, rest assured you are not the only one. We can help you sort through the confusion and understand your options. Let us do all the work for you.

Key Points

  • The cost of Medigap Plan A depends on multiple factors, like your age, tobacco use, zip code, and gender.

  • Medigap Plan A should not be confused with Medicare Part A, which is your Original Medicare hospital coverage.

  • Plan A does not cover the Part A or Part B deductible, excess charges, or foreign travel emergencies.

At Mohring Insurance Services LLC, we are happy to offer assistance with Medicare when you choose to enroll. Give us a call at (866) 440-1885, or to schedule a free consultation, click the link below:

© 2025 Mohring Insurance Services LLC All Rights Reserved.

MyMedicareFacts.com is a free-to-use information website by Mohring Insurance Services LLC. All insurance agents and enrollment platforms linked to this site have their own terms and conditions.

This is a promotional communication.

Calling our phone number will connect you to a licensed broker who is trained and certified to help you review the plan options available in your area. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact MEDICARE.gov or 1-800-MEDICARE to get information on all your options.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day / 7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

MyMedicareFacts.com is the web and phone-based insurance portal utilized by Mohring Insurance Services LLC. Beneficiaries may be connected by licensed insurance agents of Mohring Insurance Services LLC who are licensed to transact business as insurance agents in your state.

Not all licensed insurance agents with Mohring Insurance Services LLC are licensed to sell all products. Service and product availability varies by state. Agents of Mohring Insurance Services LLC work with Medicare enrollees to explain Medicare Advantage, Medicare Supplement Insurance, and Prescription Drug Plan options. Agents of Mohring Insurance Services LLC are licensed and certified representatives of Medicare Advantage HMO, PPO, and PPFS organizations and stand-alone prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal.

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Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.

​Medicare has neither reviewed nor endorsed this information.​

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For a complete list of available plans please contact 1-800-MEDICARE, TTY 711, 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare beneficiaries may also enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.​

Every year, Medicare evaluates plans based on a 5-star rating system.​

You are not required to provide any health related information unless it will be used to determine enrollment eligibility.​

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Rates are reviewed periodically and are subject to change in your state.

​Cost Estimates are based on the information entered, using data about past experiences by beneficiaries with similar attributes and the premiums and benefits provided by the plan. Actual costs may vary. Monthly medical costs are represented by annual figures divided evenly per month.​

Licensed sales agents/producers may be compensated based on your enrollment in a health plan.​

Medicare Supplement Plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

​For plans that provide drug coverage, the formulary may change during the year.

​Medicare beneficiaries may also enroll in Medicare plans through the CMS Medicare Online Enrollment Center located at https://www.medicare.gov.