The difference between Medicare plan A and Medicare plan B

The Medicare supplement plans A and B are one of the two first available Medicare supplement plans. They don´t cover for as many expenses as other plans do, but are therefore less expensive. If you´re on Medicare part A or B and start noticing, that you´re paying more than you can afford out of your own pocket, you might be in the need to get additional health care services. A supplement plan can not only save you money in the long run, it can also help you control your expenses. It is better if you know how much you need to set aside for your premium rate, than to get unexpected high bills after a doctor´s visit.

If you´re not willing or able to pay high premium rates, you might want to check out the first two available Medicare supplement plans, A and B.

Medicare supplement plan A

The Medicare supplement plan A covers four basic benefits up to 100%. These benefits include:

  • Expenses for Medicare part A coinsurance for inpatient hospital care which extend to up to 365 days after Medicare part A or B no longer pay for the expenses.
  • Expenses for Medicare part B copayment and coinsurance
  • Expenses for the first three pints of blood
  • Expenses for Medicare part A coinsurance or copayments due to hospice care

The Medicare supplement plan A won´t cover for these expenses:

  • Expenses for the co-insurance for skilled nursing facility care
  • Expenses for the Medicare part A deductibles
  • Expenses for the Medicare part B deductibles
  • Expenses for the Medicare part B excess charges
  • Expenses for travel emergency care

Medicare supplement plan B

The Medicare supplement plan B covers for the following expenses:

  • Expenses for Medicare part B copayments and coinsurance
  • Expenses for the first three pints of blood
  • Expenses for the Medicare part A deductible
  • Expenses for the coinsurance and copayments for hospice care due to Medicare part A

The Medicare supplement plan for 2019 is located at www.bestmedicaresupplementplans2019.com/ and it is of value to seniors.

  • Expenses for Medicare part B deductibles
  • Expenses for Medicare part B excess charges
  • Expenses for the coinsurance for skilled nursing facility care
  • Expenses for travel emergency care

After comparing what both these plans offer and what they don´t offer, it will be easier to decide if one of them works with your personal needs and the frequency of your health care visits.

It is important to remember that both these Medicare supplement plans, as well as all other Medicare supplement plans, will only be available to you if you already have Medicare part A or Medicare part B.

While Medicare part A and B are provided by Social Security directly, Medicare supplement plans are only offered by private health insurance companies. As these companies are private, they also have the right to determine how much the premium rate will cost. It is therefore recommended to compare the price for the premium rates, as it might cost more from company to company. The benefits will remain the same, no matter which company you use.