Medicare Supplement Plan A Policy Coverage
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Medicare Supplemental Plan A
Medicare Supplement Plan A is required to be offered by all Medicare Supplemental Insurance Companies who wish to offer Medicare supplemental insurance to cover what Medicare Insurance doesn’t cover.
Though Medicare Supplemental Plan A covers less than all other standardized Medicare Supplement Insurance Plans, those on a budget or those who are covered by Medicare Insurance due to a disability find it to often be a good option.
Medicare Plan A covers only the Basic Benefits portion of standardized Medicare Supplement Insurance Plans.
Before purchasing a plan A, be sure to Compare Rates on Medicare Supplement Plans J and F to see if these more comprehensive Medicare Supplemental Insurance Plans will work better for you.
Covered by Medicare Supplement Plan A
Basic Benefits:
* Part B Coinsurance (Generally 20% of outpatient expenses)
* Hospital Coinsurance
* 365 Additional Days Hospitilization Coverage
* Blood Deductible Coverage
Not Covered by Medicare Supplemental Plan A
Skilled Nursing Coinsurance
Part A Deductible
Part B Deductible
Part B Excess
Foreign Travel
At Home Recovery
Preventative Care
Most Medicare Insurance recipients find it in their best interest to find more comprehensive Medicare Supplemental coverage than that offered by Medicare Supplement Insurance Plan A. However, for many people who are on Medicare Insurance due to a disability, those under age 65, this may be one of their only options as many Medicare Supplemental Insurance Companies don’t offer any of the other plans to people on disabilities.
Others who find Standardized Medigap Plan A suitable are those who only wish to cover their most important expenses and wish to take on some risk themselves.
To find compare multiple Medigap Insurance Companies Rates on Plan A and many other Plans, simply fill out the form to the right or call today to speak with a Licensed Medicare Supplemental Insurance Specialist today at (888) 875-4463.
Medicare Supplement Plan A
| Medigap Plan A MEDICARE INSURANCE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD |
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| A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. | |||
| Service: | HOSPITALIZATION Semiprivate room and board, general nursing and miscellaneous services and supplies |
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| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| First 60 days | All but $1068 | $0 | $1068 (Per Benefit Period) |
| 61st through 90th day | All but $267 | $267 a day | $0 |
| 91st day and after: | |||
| While using 60 lifetime reserve days | All but $534 a day | $534 a day | $0 |
| Once lifetime reserve days are used: | |||
| Additional 365 days | $0 | 100% of Medicare Eligible Expenses | $0 |
| Beyond the Additional 365 days | $0 | $0 | All costs |
| Service: | SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital: |
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| First 20 days | All approved amounts | $0 | $0 |
| 21st through 100th day | All but $133.50 a day |
$0 |
Up to $133.50 a day |
| 101st day and after | $0 | $0 | All costs |
| Service: | BLOOD |
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| First 3 pints | $0 | 3 pints | $0 |
| Additional amounts | 100% | $0 | $0 |
| Service: | HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services. |
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All but very limited coinsurance for outpatient respite care |
$0 | Balance | |
NOTICE:
When your Medicare Part A hospital benefits are exhausted, the insurer
stands in the place of Medicare and will pay whatever amount Medicare
would have paid for up to an additional 365 days as provided in the
policy's "Core Benefits." During this time the hospital is prohibited
from billing you for the balance based on any difference between its
billed charges and the amount Medicare would have paid. |
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| Medigap Plan A MEDICARE INSURANCE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR |
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| Once you have been billed $124 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Medicare Part B Deductible will have been met for the calendar year. | |||
| Service: | MEDICAL EXPENSES - In or Out of the Hospital and Outpatient Hospital Treatment, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: |
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| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| First $135 of Medicare Approved Amounts | $0 | $0 | $135 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charges (Above Medicare Approved Amounts) | $0 | $0 | All costs |
| Service: | BLOOD | ||
| First 3 pints | $0 | All cost | $0 |
| Next $128 of Medicare Approved Amounts | $0 | $0 | $135 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |
| Service: | CLINICAL LABORATORY SERVICES | ||
| Blood tests for Diagnostic Services | 100% | $0 | $0 |
| MEDICARE INSURANCE PARTS A & B | |||
| Service: | HOME HEALTH CARE Medicare Approved Services: |
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| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| Medically necessary skilled care services and medical supplies | 100% | $0 | $0 |
| Durable medical equipment: | |||
| First $128 of Medicare Approved Amounts | $0 | $0 | $135 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |