Medicare Supplement Plan A in Florida
The most basic Medigap plan available — covering core Medicare gaps at the lowest possible Medigap premium. Find out if Plan A fits your needs.
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What Is Medicare Supplement Plan A?
Medicare Supplement Plan A is the most basic standardized Medigap policy available. It covers the core set of benefits required of every Medigap plan, with no additional extras. It is a solid entry-level option for those who want some supplemental protection at the lowest possible Medigap premium.
Not sure if Plan A is right for your situation?
Medicare Supplement Plan A
Like all standardized Medigap plans, Plan A provides the exact same benefits no matter which insurance company you choose. Only the monthly premium and customer service differ between carriers.
✓ What’s Covered
- Part A coinsurance and hospital costs up to 365 extra days after Medicare benefits are used
- Part B coinsurance or copayment (the standard 20%)
- First 3 pints of blood each year
- Part A hospice care coinsurance or copayment
✗ Not Covered
- Medicare Part A deductible ($1,736 in 2026)
- Medicare Part B deductible ($283 in 2026)
- Part B excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency care
Why Choose Medicare Supplement Plan A?
Plan A appeals to budget-conscious Medicare beneficiaries who want the lowest-cost Medigap premium available while still gaining meaningful protection against the open-ended 20% Part B coinsurance that Original Medicare leaves uncapped. It is often chosen by healthier individuals who do not anticipate frequent hospital stays.
Medicare Supplement Plan A vs. Plan G
Plan A covers far less than Plan G. Plan G adds coverage for the Part A deductible, Part B excess charges, skilled nursing coinsurance, and foreign travel emergency care — all gaps Plan A leaves open. Plan A’s premium is meaningfully lower, but the trade-off is more potential out-of-pocket exposure.
Medicare Supplement Plan A vs. Medicare Part D
It’s important to understand that Medicare Supplement Plan A and Medicare Part D serve completely different purposes — they are not alternatives to one another, and most people need both.
Key difference: Medicare Supplement Plan A helps cover out-of-pocket costs for hospital stays, doctor visits, and other services under Original Medicare. Medicare Part D is a completely separate plan that covers the cost of prescription medications. Medigap plans, including Plan A, do not include prescription drug coverage.
✓ 2026 Update: Medicare Part D now includes a $2,100 annual out-of-pocket maximum for covered prescription drugs. Once you reach this limit you pay $0 for covered medications for the rest of the year.
Who Should Consider Medicare Supplement Plan A?
Plan A may be a good fit if any of the following apply to you:
- ✓
Generally healthy individuals who rarely need hospital or skilled nursing care - ✓
Budget-conscious enrollees who want the lowest possible Medigap premium - ✓
People comfortable paying the Part A and Part B deductibles out of pocket - ✓
Those who do not travel internationally and do not need foreign travel emergency coverage
How to Enroll in Medicare Supplement Plan A
The best time to enroll in any Medigap plan is during your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 and are enrolled in Part B. During this time you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge more due to health conditions.
⚠ Outside Open Enrollment: Applying after your guaranteed issue window may involve medical underwriting, meaning you could be charged more or denied coverage based on your health history.
NISONA can confirm your enrollment window and walk you through the entire application process.
Official Medicare Resources
We encourage you to review these official government resources as part of your Medicare decision.
⚠ Medicare Disclaimer: This information is for educational purposes only and is not a complete description of benefits. Medicare plan availability and costs may vary by county. Contact a licensed Medicare agent for plan details. NISONA is an independent insurance agency and is not affiliated with Medicare or the Social Security Administration.
NISONA — Get Someone on Your Side
Choosing the right Medicare Supplement plan is one of the most important healthcare decisions you’ll make. Our friendly, knowledgeable, and hassle-free agents are here to guide you every step of the way — comparing every available option so you can choose with confidence.
Our service is completely free and 100% unbiased. Discover the difference of having NISONA on your side.
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