Medicare & Medigap Plan A Basics!

Plan A is basic to all medicare coverage.  It is an individual option as well as a part of all enhanced optional coverage. Here is an outline that includes what Medicare Plan A covers and how a Medigap Plan A may be utilized with it.  As always . your questions are welcomed!  Call me, Kathy Hope, at 800-792-9114.

Plan A Coverage 

Is Included In All 10 Plans

Hospitalization: 

Medicare Part A pays for hospitalizations for the 1st 60 days but only pays a portion of the daily costs from the 61st day through the 150th day.  You must pay the coinsurance amounts for those days.  

Medigap Plan A pays the coinsurance amount for those days and provides an additional 365 lifetime days.  

Blood:

Medicare pays for all blood that is medically necessary except for the first three pints in each calendar year.

Medigap Plan A pays for the first three pints of blood not paid for by Medicare. 

Medical Expenses:

Generally Medicare Part B pays for 80% of a predetermined amount (called the "Medicare approved" amount) for each procedure, supply, or service billed by your doctor or other provider that is not a hospital. 

Medigap Plan A pays the coinsurance (generally 20% of the "Medicare approved" amount) under Medicare Part B.

Note the definitions of deductible & co-insurance

Deductible - must be paid before medicare activates.

Co-insurance - After deductible and paid in addition to medicare covera