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Medigap Plan M: Medicare Supplement Insurance
By Kolt Legette
May 23, 2020
|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|
|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%|
2021 Data – Table Source
Medigap Plan M offers many cost-sharing benefit options and includes many similar benefits to Plan D, but will only cover 50 percent 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 ($203 in 2021) and only covers half of the Part A deductible ($1,484 in 2021). 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 percent 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.
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