Plan A

Cost is a major concern for many seniors and Medicare Supplement Insurance Plan A* is a practical solution for getting the basic coverage you deserve at an affordable price. With this plan you can count on extra days of hospital and skilled nursing care after traditional Medicare benefits end as well as 100 percent of any copays and coinsurance costs for hospice care. You pay a small premium, your Medicare Part A and Part B deductibles and any Part B excess charges.

Benefits

Original Medicare (Part A) pays for hospitalization charges, but only until day 60. Should you need extended hospital care, a Medicare Supplement Insurance Plan can pick up where Original Medicare ends. Medicare Supplement Insurance Plan A covers 100 percent of your hospitalization coinsurance from day 61 through day 90 ($370 a day) and the remainder owed after day 90 ($742 a day). This plan also pays the cost for an additional 365 days of hospital care after your Medicare Lifetime Reserve benefits end. With this plan, the costs for the first three pints of blood and your Medicare co-payment/coinsurance for hospice care are covered.

 

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Benefits Summary

  • 100 percent of hospitalization coinsurance from days 61-90
  • 365 extra days of hospital care after Medicare coverage ends
  • 100 percent of the cost of the first three pints of blood
  • Medicare copayment/coinsurance for hospice care

What You Can Expect To Pay 

A low cost, basic benefits plan, with Medicare Supplement  Insurance Plan A,  you can expect to pay a monthly premium as well as your Part A and Part B deductible. You will also be responsible for any Part B excess charges that Medicare does not pay and coinsurance for skilled nursing care.

As long as you continue to pay your premium, your benefits can never be terminated and your plan is renewable, despite your health.

Benefits Medicare
does not pay in 2022
Expenses covered by our plans
Plan A Plan B Plan F High
Deductible
Plan F
Plan N*
Part A (Hospital Services)**
$1,484
Medicare
hospital
deductible
$370 per day
copayment for
covered
expenses for
days 61-90 in
hospital
$742 per day
copayment for
covered
expenses while
you use your
Lifetime
Reserve
100% of
Medicare
allowable
expenses for
additional 365
days after
Medicare
hospital
benefits stop
completely
Calendar year
blood
deductible
(charges for
first three pints
of blood)
$176.00 per day
for days 21-100
in a skilled
nursing facility
Hospice care
(Medicare Part
A)
Part B (Physician’s Care and Medical Services)
$203 Part B
deductible
Coinsurance
for medical
expenses (25%
of Medicare
approved
amount for
preventive
services and
20% for most
others)†
Generally 20%
except up to $20
copayment for office
visit and up to $50
ER
100% of
Medicare Part B
excess charges
(above
Medicare
approved
amounts)
Coinsurance
for durable
medical
equipment
(20% of
Medicare
approved
amounts)†
Additional Expenses Not Covered by Medicare
Benefits for
medically
necessary
emergency
care received in
a foreign
country††

Medicare Supplement Plan F and High Deductible Plan F is only available to those individuals who turned 65 before January 1, 2020.

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,370 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,370.

Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B but do not include the plan’s separate foreign travel emergency deductible.

** Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare.

*** After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days 91-150) which are not renewable each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After $203 Part B deductible is met for Plans A, B, F, High Deductible Plan F, and Plan N.

†† Foreign Travel Emergency covered at 80% after first $250 each is paid each calendar year; up to $ 50,000-lifetime maximum.

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program