Medicare Supplement Plan A

Medicare Supplement Plan A

Medicare Supplement Plan A

The Medicare Supplement Plan A helps to cover your remaining Medicare Part A and Part B medical costs, after the Part A and Part B deductibles have been met.

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*Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company, or Loyal American Life Insurance Company

VIEW STATE DISCLOSURES, EXCLUSIONS & LIMITATIONS

Medicare (Part A) Hospital Services - Per benefit period

Hospitalization‡

Semiprivate room and board, general nursing, and miscellaneous services and supplies.

ServicesMedicare PaysPlan A PaysYou Pay
First 60 days All but $1,340 $0 $1,340 (Part A deductible)
61st through 90th day All but $335 per day $335 per day $0
91st day and after:
  • while using 60 lifetime reserve days
  • All but $670 per day
  • $670 per day
  • $0
  • once lifetime reserve days are used, additional 365 days
  • $0
  • 100% of Medicare eligible expenses
  • $0‡‡
  • beyond the additional 365 days
  • $0
  • $0
  • All costs

Skilled nursing facility care

Must have been in a hospital for at least three days and have entered a Medicare-approved facility within 30 days after discharge from the hospital.

ServicesMedicare PaysPlan A PaysYou Pay
First 20 days All approved amounts $0 $0
21st through 100th day All but $167.50 per day $0 Up to $167.50 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.

ServicesMedicare PaysPlan A PaysYou Pay
Hospice services All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance $0

Blood

ServicesMedicare PaysPlan A PaysYou Pay
First three pints (Per calendar year) $0 3 pints $0
Additional amounts 100% $0 $0

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.

‡‡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.

Medicare (Part B) Medical Services - Per Calendar Year

*Once you have been billed $183 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

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.

ServicesMedicare PaysPlan A PaysYou Pay
First $183 of Medicare-approved amounts* $0 $0 $183 (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. The charge amount that exceeds Medicare coverage is called an excess charge. Medicare limits the extra amount a doctor can charge to 15%.

ServicesMedicare PaysPlan A PaysYou Pay
Excess charges $0 $0 All costs

Blood

ServicesMedicare PaysPlan A PaysYou Pay
First 3 pints $0 All costs $0
Next $183 of Medicare-approved amounts* $0 $0 $183 (Part B deductible)
Remainder of Medicare-approved amounts 80% 20% $0

Clinical Laboratory Services

ServicesMedicare PaysPlan A PaysYou Pay
Tests for diagnostic services 100% $0 $0

Medicare (Parts A and B)

Home Health Care Medicare-Approved Services

ServicesMedicare PaysPlan A PaysYou Pay
Medically necessary skilled care services and medical supplies 100% $0 $0

Durable Medical Equipment

ServicesMedicare PaysPlan A PaysYou Pay
First $183 of Medicare-approved amounts* $0 $0 $183 (Part B deductible)
Remainder of Medicare-approved amounts 80% 20% $0

Rates for Medicare Supplement Plan A

While the basic 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.

Cigna offers competitive rates and, in some states, a 7% household premium discount may be available for qualified applicants.

State variations apply. The Household Discount is not available in CA, D.C., FL, HI, ID, MN, NJ and VT. For residents of WA, the discount only applies to spouses (Spousal Premium Discount).

Additional Programs and Savings Offered by Cigna

A Cigna Medicare Supplement Insurance plan includes the following programs and savings†† at no additional cost to you.

  • Health Information Line. Call toll-free to talk with a trained nurse for guidance and support, 24 hours a day.
  • Cigna Healthy Rewards®. Enjoy discounts on health and wellness services like Jenny Craig, vision and hearing care, fitness and weight management, massage, chiropractic care, acupuncture and more.

††These programs and services are NOT insurance and do not provide reimbursement for financial losses. Program availability may vary by location and is subject to change. 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.

Buying Medicare Supplement Insurance

Get a Free Quote

Find out what your monthly premium would be with Cigna's competitive rates.

1-855-803-2831

Mon - Fri 8:30am - 8:30pm ET

or

Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont and Wisconsin.