Medigap Plan M | Medicare USA
Looking for a plan? Enter your zip code to shop online.
Looking for a plan?
Enter your zip code to shop online.
Home / Resources / Medigap Plan M: Medicare Supplement Insurance

Medigap Plan M: Medicare Supplement Insurance

By Kolt Legette

May 23, 2020

Share this...


Medigap Plans

Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,880 $2,940 N/A N/A

2020 Data – Table Source

Plan M

Medigap Plan M offers many cost-sharing benefit options and includes many similar benefits to Plan D, but will only cover 50% of the Part A deductible.

Plan M covers Part A hospital co-insurance, skilled nursing facility benefits, and hospice co-insurance. However, it does not cover the Part B deductible ($198 in 2020) and only covers half of the Part A deductible ($1,408 in 2020). However, once you meet your Part B deductible, you will not be responsible for co-insurance for appointments with your physician.

Medigap Plan M also includes coverage for hospital costs up to an additional 365 days after Medicare benefits are used up, coinsurance for Part B, blood services (first three pints), hospice coinsurance for prescription drugs, and 80% of foreign travel emergency benefits.

Not all insurance carriers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is right for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that would best fit your needs.

Related Articles

Originally posted on Jun 24, 2020 05:06:42

Find a Plan Today!

Call a licensed sales agent


TTY User 711

Mon-Sun (8a - 8p)

The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PPFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.


Last Updated 10/01/2021