Medicare Supplement Plan A

2026 standardized Medigap plan

The basic benefits every Medigap plan must include — a simple, lower-cost starting point.

From $68 / mo varies by state, carrier, age & tobacco use

Plan A — At a glance

Part A deductible

Not covered

Part B deductible

Not covered

Part B excess charges

Not covered

Skilled nursing coinsurance

Not covered

Foreign travel emergency

Not covered

Prescription drugs (Part D)

Not included

Plan A premiums by state

Medigap premiums vary widely by state, county, age & tobacco use — coverage is identical everywhere. Pick your state to see carriers and exact pricing.

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What Plan A covers

How much of each Original Medicare out-of-pocket cost this plan pays. These benefits are the same from every carrier that sells the plan.

Part A coinsurance & hospital costs 100%

Part B coinsurance or copayment 100%

Blood 100%

Part A hospice care coinsurance 100%

Skilled nursing facility coinsurance —

Part A deductible —

Part B deductible —

Part B excess charges —

Foreign travel emergency —

More coverage details

How Plan A works with Original Medicare across the main cost categories.

Supplement plans are required to cover a set of standardized basic benefits set by the government. These Supplemental benefits provide additional coverage to what is covered by Original Medicare Part A (hospital insurance) and Part B (medical insurance and doctor visits).

Medicare Part A Hospital Coinsurance or Deductible

For hospital stay days 1 - 60, Plan A pays $0 per day
For hospital stay days 61 - 90, Plan A pays $335 per day
For hospital stay days 91 - 150, Plan A pays $670 per day
For an additional 365 days, Plan A pays 100% of approved expenses
After the additional 365 days, Plan A pays $0 per day

Medicare Part A Skilled Nursing Facility Coinsurance

For nursing facility stay days 1 - 20, Plan A pays $0 per day
For nursing facility stay days 21 - 100, Plan A pays $0 per day
After 100 days nursing facility stays, Plan A pays $0 per day

Medicare Part B Coinsurance or Copay

Plan A pays $0 until you meet your $185 Part B deductible
After Part B deductible is met, Plan A typically pays 20% of the coinsurance. Original Medicare Part B covers the other 80%

Blood Coverage

For the first 3 pints of blood, Plan A pays 100% of the cost
After the first 3 pints of blood, Plan A pays $0 of the cost because Original Medicare covers 100%

Some information shown on this page has been sourced from www.medicare.gov.