Medicare Supplement Plan A in Florida

What Is Medicare Supplement Plan A?

Medicare Supplement Plan A is one of ten standardized Medigap plans (lettered A through N) sold in Florida. Like all Medigap plans, it’s designed to help pay for some of the costs that Original Medicare (Parts A and B) doesn’t cover — but Plan A covers only the core, federally required “basic benefits” and nothing more. Every insurance company that sells Plan A must offer the exact same benefits — the only difference between carriers is price and customer service.

What Medicare Supplement Plan A Covers

Plan A includes Medigap’s core basic benefits:

• Part A coinsurance and hospital costs — covers your Medicare Part A coinsurance, plus an additional 365 days of hospital coverage after your Medicare benefits run out
• Part B coinsurance or copayment — generally covers the 20% of Medicare-approved costs that Part B doesn’t pay
• First 3 pints of blood — covers the cost of the first three pints of blood per year if you need a transfusion
• Part A hospice care coinsurance or copayment

What Medicare Supplement Plan A Does NOT Cover

This is where Plan A differs significantly from more popular plans like G and N. Plan A does not cover:

• The Medicare Part A deductible ($1,736 in 2026)
• The Medicare Part B deductible ($283 in 2026)
• Skilled nursing facility coinsurance
• Foreign travel emergency care
• Part B excess charges (the amount some doctors are allowed to charge above what Medicare approves)

Because Plan A doesn’t cover the Part A or Part B deductibles, you’ll pay those out of pocket each time they apply — which is the main trade-off for Plan A’s typically lower premium.

Is Plan A Right for You?

Plan A may make sense if:

• You want the lowest possible Medigap premium and can comfortably cover the Part A and Part B deductibles yourself if needed
• You’re generally healthy with infrequent hospital visits and want catastrophic-style protection rather than first-dollar coverage
• You’re comparing plans and want a true baseline to measure the added value of Plan G or Plan N against

Plan A may not be the best fit if:

• You want predictable, first-dollar coverage with fewer surprise bills
• You travel internationally and want emergency coverage abroad
• You’d rather pay a slightly higher premium for Plan G or Plan N, which cover significantly more for a relatively small cost difference for many people

In our experience, most Florida Medicare beneficiaries find that Plan G or Plan N offers meaningfully better value once you account for what Plan A leaves uncovered — but Plan A remains a legitimate, lower-cost option for the right person.

How NISONA Can Help

Medigap premiums for Plan A vary by carrier, your age, gender, tobacco use, and county of residence — sometimes significantly. Rather than guessing, let us run a side-by-side comparison for you, including Plan A alongside Plan G and Plan N, so you can see exactly what you’d pay and what you’d give up at each level.

Get My Free Medigap Plan A Comparison → Call us: (888) 564-2326

How to Apply for Medicare

1. Online:
   • You can apply online at the Social Security website: www.ssa.gov/medicare.
2. By Phone:
   • Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
3. In Person:
   • Visit your local Social Security office. You can find your local office at www.ssa.gov/locator.
4. By Mail:
   • Complete a paper application and mail it to your local Social Security office.