Medigap Plan A is one of 10 Medigap plans open to those with Original Medicare. It has fewer benefits than other plans but covers some of the out-of-pocket costs associated with parts A and B.

If you have Original Medicare, you can choose to also have a Medigap plan. These supplemental insurance plans can help with some of Original Medicare’s out-of-pocket costs.

Medigap plan benefits are standardized across the United States (with the exception of Massachusetts, Minnesota, and Wisconsin, where they are standardized differently).

There are currently 10 Medigap plans, each represented by a letter. Plan A has the fewest coverage options of all current plans.

Private, Medicare-approved insurers sell Medigap plans, which are only available to those with Original Medicare. If you have a Medicare Advantage (Part C) plan, you are not eligible for a Medigap plan.

Current Medigap plans include Plans A, B, C, D, F, G, K, L, M, and N. Some have more comprehensive benefits than others, but the benefits in each lettered plan are the same, regardless of which insurer offers it. The only difference will be the cost, and despite Plan A having the fewest benefits, this does not make it the cheapest. It’s important to shop around.

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used
  • Part B coinsurance or copayment
  • blood benefit (first 3 pints)
  • Part A hospice care coinsurance or copayment

Part A coinsurance

After you’ve paid your 2025 deductible of $1,676, if you are required to stay in a hospital for more than 60 days, you would typically also have to pay the following 2025 amounts:

  • $419 per day for days 61 to 90
  • $838 per day for days 91 to 150 (while you use your 60 lifetime reserve days)
  • 100% of costs after day 150

These amounts are likely to increase in 2026, although the Centers for Medicare & Medicaid Services (CMS) has yet to confirm the exact amount of the increase.

A note on lifetime reserve days

Medicare will pay “lifetime reserve days” when you’re required to spend 90 days or more in a hospital. You have a total of 60 lifetime reserve days that you can use over your lifetime. For each lifetime reserve day, Medicare pays for all eligible expenses minus the daily coinsurance.

After you have used your Medicare benefits, Medigap Plan A would cover your eligible out-of-pocket costs and up to an additional 365 days of eligible hospital costs.

Part B coinsurance or copayment

In 2025, you will pay a Part B deductible of $257 and then a 20% coinsurance for all eligible outpatient medical expenses.

Medigap Plan A could cover the 20% coinsurance.

Blood benefit

If you need a blood transfusion while you are in the hospital, Medigap Plan A will cover the first three pints.

Part A hospice care

While there are typically few out-of-pocket costs associated with hospice care, Medigap will cover the ones that remain.

Medigap Plan A will cover the 5% coinsurance for inpatient respite care and the $5 copayment per prescription medication, as well as for other pain management products and symptom control while you’re at home.

Medigap Plan A offers the fewest benefits of all 10 Medigap plans but includes coverage for out-of-pocket costs associated with Medicare Part A and Part B.

While Medigap benefits are standardized across the United States, some private insurers offering Medigap plans may offer additional benefits or services simply for having a plan with them.

It’s important to review all options carefully and compare the plans available in your area.