• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Medicare Supplement Plan A

Medicare Supplement Insurance Plan A

Medicare Supplement Insurance Plan A is also known as Medigap Plan A. It is currently the most basic of all the Medigap plans available. It has less benefits compared to other Medicare supplement plans and is often overlooked by shoppers. 

What does Plan A cover? What are its Pros and Cons? Let’s find out and see if Plan A is the right choice for you or if another plan is best.

Medigap Plan A Coverage Benefits

Medigap Plan A will provide coverage for the coinsurance that corresponds with any Part A hospital stay. It will cover you an extra 365 days at the hospital during your lifetime, but only while you are on the Medicare policy.  

Plan A will provide coverage for the co-pays and your coinsurance that’s connected to your outpatient benefits (Medicare Part B). Medigap Plan A will cover the 1st 3 pints of blood and Original Medicare will cover everything after that. Medicare Supplement Plan A also covers the coinsurance and copays for Part A Hospice.

  • Medicare Part A Coinsurance & Hospital Costs (Covered)
  • Part A Hospice Care Coinsurance or Copayment (Covered)
  • Medicare Part B Coinsurance and Copayment (Covered)
  • Blood (First 3 Pints) (Covered)
  • Foreign Travel Emergency (up to plan limits) (Not Covered)
  • Skilled Nursing Facility Coinsurance (Not Covered)
  • Medicare Part B Excess Charges (Not Covered)
  • Medicare Part A Deductible (Not Covered)
  • Medicare Part B Deductible (Not Covered)

Medicare Plan A is NOT Part A

Shoppers often get confused about Plan A and Part A. This is often one of the more confusing parts about Medicare.

Are they the same? …No!

They aren’t the same, so let’s break it down in simpler terms:

  • Medicare Supplement Plan A and Medigap Plan A are insurance plans. They are simply insurance plans that cover the gaps in Original Medicare.
  • Part A is your Medicare hospital coverage. Medicare Part A, is different from Medigap Plan A and Medicare Supplement Plan A.  

Medigap Plan A WON’T Cover

Understanding what Medigap Plan A doesn’t cover is important. Medicare supplement Plan A will not cover your Part A or your Part B deductibles or the Excess Charges. Plan A doesn’t cover the Skilled Nursing Facility coinsurance or Foreign Travel Emergencies. When you add up all of these potential coverage gaps, it can get rather pricey.

Medicare Supplement BenefitsPlan A covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are usedYES
Medicare Part B coinsurance or copaymentYES
Blood (first 3 pints)YES
Part A hospice care coinsurance or copaymentYES
Skilled nursing facility care coinsuranceNO
Part A deductibleNO
Part B deductibleNO
Part B excess chargesNO
Foreign travel emergency (up to plan limits)NO

All insurance companies are required to provide Plan A in most states. In fact, in a few states it’s the only Medigap plan available for anyone who is under age 65 who receives Medicare from a disability. For people over age 65, there are other plans you may want to look at. Medigap Plan G and Medicare Supplement Plan N are often a better value when comparing cost and benefits. Their costs aren’t much more compared to Plan A, but their coverage is much better.

Medigap Plan A for Disability Under Age 65

As we mentioned briefly above, Medicare Supplement Plan A is the only Medigap plan available for shoppers under age 65 in most states. If you’re under age 65 and qualify for Medicare due to your disability, Plan A can be purchased when you enter your Open Enrollment period. You will not have to go through underwriting at this time.

REMEDIGAP Is Here to Help

If you find Plan A or Medicare confusing, don’t worry…You’re not alone. REMEDIGAP will help you understand all your options and make sense of it all. We do all the hard work for you!

If you’d like to talk about Medicare Supplement Plan A or any other Medigap plan, please fill out our easy online form to compare Medicare supplement rates, or call us directly at (888) 411-1329 during business hours. We look forward to helping you.

Call (888) 411-1329 for your free consultation today!

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