Medigap Plan A
Medicare’s Supplement Insurance programs are known as Medigap since they help fill the gaps in your Original Medicare plan.
You need to have Medicare Parts A and B before buying this policy. Once Medicare has paid its approved share of your healthcare costs, the Medigap policy covers theirs.
What Is Medigap Plan A?
Medigap Plan A is the most basic supplement plan. Every other Medigap policy covers what Plan A does, as well as additional benefits.
Here’s what it covers:
- Medicare Part A hospital costs and coinsurance
- Medicare Part B copays or coinsurance
- Medicare Part A hospice care
- The first three pints of blood for a transfusion
Your Medigap policy won’t usually cover additional benefits such as long-term care, hearing aids, dental, vision (such as eyeglasses), and private-duty nursing.
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How To Buy Plan A
If you’re buying a Medigap plan, it’s best to consider the options available to you. Medigap policies are standardized in most states and referred to using the letters A through N. You can find state-specific information about Medigap plans and decide which one is best for you, depending on where you live.
You may want to choose a plan that provides you with more benefits than Medigap Plan A to make it possible for you to deal with current health complications. You can compare the benefits of each policy before deciding on one. However, if you’re looking for the most basic coverage with the lowest cost, then Plan A may be right for you.
Now, since Medigap plans are standardized, all companies refer to them by the same letters. The only difference between providers will be the price. It’s best to reach out to many providers in your area for quotes before officially choosing a policy, as the price you pay for a Medigap Plan A can depend on your health condition and when you’re buying the policy. That’s where Scott Sims Insurance can come in and help you find a plan at the right price.
Need Help Deciding On A Medigap Policy?
There are many variations between each Medigap policy, so you’ll want to compare each closely to find one that’s best for you.
As a leading insurance service provider in Oregon, we can help you make sense of it all and choose the right policy for your needs. Call us today at (541) 915-0939 for more information.
