Medigap Plan A and Plan B – The Lower Premium Plans

About Medigap Plan A

Medigap Plan A is the least expensive Medicare supplement plan and hence it offers the least coverage. It covers the basic Medicare benefits like Medicare Part coinsurance, hospital cost, Medicare Part B coinsurance, copayment, preventative care, and hospice care.  Obtain a free quote at https://www.bestmedicaresupplementplans2019.com/

This plan is for those who need minimum coverage or those who can pay out of pocket as their Medicare cost rises. The Medigap Plan A provides some extra coverage along with the original Medicare such as:

  • Part A coinsurance and hospice care up to 356 days after your Medicare benefits have been exhausted.
  • Part B coinsurance or copayment
  • First 3 pints of blood
  • Part A copayment or hospice care coinsurance

When to buy Plan A?

When you don’t have any serious health problem or you don’t expect a lot of medical expenses, Plan A is what you should go for. It will keep your premium low too.

When to avoid Plan A?

In case you know you need extra health care services, then don’t choose Plan A. Otherwise, you will end up paying a lot of money from your own pocket and that will make you regret your choices.

About Medigap Plan B

Medigap Plan B offers supplemental coverage on the basic Medicare. It is also one of the Medigap plans that has the lowest premium since it comes after Plan A. However, it offers additional coverage for Medicare Part A hospital deductible. This policy is recommended to those who want minimum coverage and they can afford to pay from their own pocket when their Medicare costs rise.

Plan B is nearly the same as Plan A, hence why both are basic. The only difference is that Plan B includes the Medicare Part A deductible.

When to choose Plan B?

If you don’t anticipate many medical expenses but you think you might need hospital coverage, then go for Plan B. Just like Plan A, the premium is going to be lower and if unexpected medical expenses arise, then you have to pay out of your pocket.

When to avoid Plan B?

If you think you will need extra health care, then you will end up paying a lot from pocket if you only have Plan B so it’s not recommended in that case.

The premium cost for Plan A and Plan B vary from one provider to another. It may also vary from one state to another. The cost for both plans will be lower since their coverage is less.