Medicare Supplement Plan A Insurance Coverage
Ideal for customers who want a little extra protection, beyond what Original Medicare covers.
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Save up to 25%: 20% in premiums, plus 5% if you apply online.
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Plan A Product Details
- Provides the basic amount of additional coverage for costs not covered by Original Medicare.
- You will pay both the Part A (Hospital) and Part B (Medical) deductibles before Plan A will kick in to cover remaining costs.
- Plan A may be a good fit for you if you have adequate coverage with Original Medicare Parts A and B, but want a little extra protection.
For all the details of Plan A coverage, review the policy coverage details below, or explore other Medicare Supplement plans.
Save with HealthSpring1
You could save up to 25% with HealthSpring, including a premium discount of up to 20%, plus an additional 5% if you apply online.
Medicare (Part A) Hospital Services–What Plan A Pays (Per Benefit Period2)
Expand each category below to view more details.
Hospitalization2
Semi-private room and board, general nursing, and miscellaneous services and supplies.
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| First 60 days | All but $1,736 | $0 | $1,736 (Part A deductible) |
| 61st through 90th day | All but $434 per day | $434 per day | $0 |
| 91st day and after: | |||
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Skilled Nursing Facility Care2
Must have been in a hospital for at least 3 days and have entered a Medicare-approved facility within 30 days after discharge from the hospital.
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| First 20 days | All approved amounts | $0 | $0 |
| 21st through 100th day | All but $217 per day | $0 | Up to $217 per day |
| 101st day and after | $0 | $0 | All costs |
Hospice
Pain relief, symptom management, and support services for the terminally ill. You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| Hospice services | All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care | Medicare copayment/coinsurance | $0 |
Blood
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| First 3 pints (per calendar year) | $0 | 100% | $0 |
| Additional amounts | 100% | $0 | $0 |
Medicare (Part B) Medical Services–What Plan A Pays (Per Calendar Year)
Expand each category below to view more details.
Medical Expenses
Includes expenses in or out of the hospital and outpatient hospital treatment, such as physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| First $283 of Medicare-approved amounts4 | $0 | $0 | $283 (Part B deductible) |
| Remainder of Medicare-approved amounts | Generally 80% | Generally 20% | $0 |
Part B Excess Charges
A doctor may charge an amount for services that exceeds what Medicare covers. This is called an “excess charge.” Medicare puts a 15% limit on the extra amount a doctor can charge.
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| Excess charges | $0 | $0 | All costs |
Blood
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| First 3 pints | $0 | All costs | $0 |
| Next $283 of Medicare-approved amounts4 | $0 | $0 | $283 (Part B deductible) |
| Remainder of Medicare-approved amounts | 80% | 20% | $0 |
Clinical Laboratory Services
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| Tests for diagnostic services | 100% | $0 | $0 |
Medicare (Parts A and B)–What Plan A Pays
Expand each category below to view more details.
Home Health Care Medicare-Approved Services
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| Medically necessary skilled care services and medical supplies | 100% | $0 | $0 |
Durable Medical Equipment
| Services | Medicare Pays | Plan A Pays | You Pay |
|---|---|---|---|
| First $283 of Medicare-approved amounts4 | $0 | $0 | $283 (Part B deductible) |
| Remainder of Medicare-approved amounts | 80% | 20% | $0 |
Rates for Medicare Supplement Plan A
While the core benefits of Medicare Supplement Plan A remain the same regardless of your insurance company (as mandated by the government), in some states the premium you pay may vary according to a number of factors, including age, location, gender, and overall health.
HealthSpring offers competitive rates and, in some states, premium discounts5 of up to 25% may be available for qualified applicants.
Programs and Services6
Healthy Rewards® Program
Get discounts on health and wellness programs and services.
Health Information Line
Speak with a health advocate7 anytime 24 hours a day, 7 days a week.
Explore Other Medicare Supplement Plans
Ideal for customers looking for extensive coverage, and a lower premium.
Same coverage as Plan G, but you pay the calendar year deductible.
Lower monthly premium, and predictable out-of-pocket costs.
Extensive coverage and lower out-of-pocket costs.8
Same coverage as Plan F, but you pay the calendar year deductible.8
Often bought together
Questions about Eligibility and Enrollment?
Retiring at 65? Not retiring until later? Find out how and when you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.
Continue shopping for additional coverage
View Medicare Supplement state disclosures, exclusions, and limitations
1 Insured by American Retirement Life Insurance Company, HealthSpring Insurance Company, HealthSpring National Health Insurance Company, Loyal American Life Insurance Company or Medco Containment Life Insurance Company. In Kansas, insured by HealthSpring Insurance Company and HealthSpring National Health Insurance Company. American Retirement Life Insurance Company and Medco Containment Life Insurance Company are not available to residents of Kansas and Kentucky. In Illinois, Maryland, New Mexico and Utah, insured by HealthSpring National Health Insurance Company domiciled in Ohio. In North Carolina, Ohio and Pennsylvania, insured by HealthSpring Insurance Company. In Idaho, insured by Medco Containment Life Insurance Company.
In some states, HealthSpring Insurance Company is also known as Cigna Insurance Company and HealthSpring National Health Insurance Company is also known as Cigna National Health Insurance Company. Both companies are in the process of obtaining state approvals to change their names by removing “Cigna” from the name and replacing it with “HealthSpring”.
2 A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
3 Notice: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time, the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
4 Once you have been billed $283 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year.
5 State variations apply. Discount not available in HI and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
6 These programs are NOT insurance nor benefits and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.
7 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.
8 Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.
View Kansas disclosures, exclusions, and limitations
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement insurance plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Texas (ESRD/ALS), Vermont and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: HIC-MS-AA-A-TN; Plan F: HIC-MS-AA-F-TN; Plan G: HIC-MS-AA-G-TN; Plan HDG: HIC-MS-AA-HDG-TN; Plan N: HIC-MS-AA-N-TN.
Learn More
Online Enrollment Discount
State variations apply. Discount not available in CT, DC, FL, MA, NJ, NY, OH, OR, and VT. To qualify for the online discount, you must be a new Medicare Supplement policy holder with HealthSpring*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at HealthSpring.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by HealthSpring. If you qualify, the 5% discount will remain in effect for the life of the policy. For residents of North Dakota, by applying online you save approximately 5%.
Premium Discount
State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
*Insured by American Retirement Life Insurance Company, HealthSpring Insurance Company, HealthSpring National Health Insurance Company, Loyal American Life Insurance Company and Medco Containment Life Insurance Company.