Aflac Medicare Supplement Plan A
- Learn about Aflac Medicare Supplement Plan A, including what it covers, how it compares to other Medigap plans and how you can apply for Plan A if it's the best plan for you.
Aflac started selling Medicare Supplement Insurance plans again in 2022 after a nine-year break. Aflac currently offers four of the 10 standardized Medicare Supplement plans available in most states, including Plan F, Plan G, Plan N and Plan A.
In this review, we detail Aflac Medicare Supplement Plan A including what it covers, how much it costs, how you might be eligible and more.
You can compare Medicare Supplement plans online to find out which plans are available where you live and to see how much each plan costs. If you want help comparing plans, you can also call to chat with a licensed insurance agent.
What Does Aflac Medicare Supplement Plan A Cover?
Plan A offers the lowest level of coverage any Medicare Supplement Insurance (or “Medigap”) plan. It may be a good fit for beneficiaries looking for a basic level of coverage, especially if you find Plan A available where you live with lower monthly premiums than other available plans.
The chart below gives an overview of how Plan A compares with the 10 other types of standardized Medicare Supplement Insurance plans available in most states.
|Medicare Supplement Benefits||A||B||C1||D||F1||G||K||L||M||N|
|Part A coinsurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B coinsurance or copayment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Medicare Part B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.
Medicare Part A Coinsurance
Medicare Part A requires daily coinsurance payments for inpatient stays that last longer than 60 days (after you meet your Part A deductible for the benefit period). Aflac Plan A covers these coinsurance payments in full in addition to providing inpatient coverage for 365 days after Medicare benefits have been exhausted, though Plan A doesn't cover your Medicare Part A deductible.
Medicare Part B Coinsurance and Copayments
Once you meet your Medicare Part B deductible for the year, you are typically responsible for copayments or coinsurance up to 20% of the Medicare-approved amount for covered services and items. Medicare Supplement Plan A from Aflac or any other company will cover these copayments and coinsurance in full.
Part A Hospice Care
Medicare Part A charges small copayments for prescription medications and other items related to pain management and symptom control during hospice care along with coinsurance payments for respite care, all of which are covered in full by Aflac Medicare Supplement Plan A.
First Three Pints of Blood
Medicare coverage of the blood used in a blood transfusion doesn’t begin until the fourth pint. Plan A covers the cost of the first three pints in full.
Medicare Supplement Plan A vs. Medicare Part A
Medicare is made up of several parts, each of which has a letter name.
- Your Medicare Part A benefits are your inpatient insurance benefits that you use when staying as an inpatient in a hospital, skilled nursing facility, mental health facility and other approved inpatient stays.
- Medicare Plan A is one of the 10 standardized Medicare Supplement plans available in most states.
Plan A can work alongside your Part A and Part B benefits, so it's easy to see why some beneficiaries get the two types of coverage mixed up.
How Much Does Aflac Medicare Supplement Plan A Cost?
Because it offers the lowest level of coverage, Medigap Plan A can sometimes come with lower monthly premiums than other plans. That being said, the cost of Aflac Plan A can hinge on your location, age, gender, tobacco use and more.
The best way to get a detailed idea of how much you can expect to pay for a plan is to speak to an insurance agent who is licensed to sell Medigap plans in your area.
What Are the Advantages of Enrolling in Aflac Medigap Plan A?
In addition to the coverage it offers, Aflac Medicare Supplement Plan A gives members the ability to:
- Use the plan anywhere in the U.S. There are no network or geographical restrictions. Aflac Plan A is accepted by any health care provider who accepts Original Medicare.
- Renew the plan every year. As long as you keep up with your premium payments, Aflac guarantees the renewal of your plan.
- Return the plan to Aflac for a full refund within 30 days of enrollment for any reason.
- Enjoy the first 12 months of the plan with no rate increases.
Am I Eligible for Aflac Medigap Plan A?
You must be able to answer “yes” to each of the following questions in order to be eligible for Aflac Medicare Supplement Plan A.
- Are you at least 65 years old? (This may not be necessary in every state.)
- Are you enrolled in Medicare Part A and Part B?
- Does Aflac sell Plan A in your county or zip code?
When Can I Apply for Aflac Medicare Supplement Plan A?
You may enroll in Medicare Supplement Insurance anytime. However, doing so during your Medigap Open Enrollment Period protects you from insurance companies using medical exams and other underwriting to determine your rates.
Your Medigap Open Enrollment Period begins the month you are enrolled in Part A and Part B and are at least 65 years old. Your Medigap OEP only lasts for six months, so be sure to compare plans and review all your options as you approach Medicare eligibility.
How Do I Apply for Medicare Supplement Plan A?
You can compare Medigap plans online or call to get in touch with a licensed insurance agent who is authorized to sell Medicare Supplement Plan A and other Medigap plans that may be available where you live.