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Medicare Supplement Plan M
Medicare Supplement Plan M is one of the standardized Medicare Supplements plans available in 47 states of the United States. This means that the Medigap Plan M that’s offered in one state provides the same coverage as the Medigap Plan M that’s offered in another state, regardless of the carrier. However, if you’re live in except in Massachusetts, Minnesota, or Wisconsin, you will have to buy a different plan as they do not offer Medicare Supplement Plan M.
Medicare Supplement Plan M offers basic coverage plus a few extras. It is very similar to Medicare Supplement Plan D, one of the more comprehensive plans. The difference, however, is that while Plan D covers 100% of the Medicare Part A deductible, Plan M covers only 50%. In 2023, Medicare Part A deductible is $1,600. So, if you have plan M, the plan will be responsible for $800, while you pay the remaining $800.
Medicare Supplement Plan M Policyholders Enjoy The Following Coverage:
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Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
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Medicare Part A hospice care coinsurance or copayment
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50% of Medicare Part A deductible
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Medicare Part B copayments and coinsurances
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The first three pints of blood used in a procedure
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80% of foreign travel emergency medical costs
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Skilled nursing facility care coinsurance
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Medicare preventive care Part coinsurance
However, Medicare Supplement Plan M Doesn't Pay:
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Part B deductible
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Part B excess charge
Plan M is known for having moderate monthly premiums. However, Plan G and Plan N are still usually the best value options for people who are looking for a Medigap Plan.
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Medicare is complicated and making the wrong decision can be costly. We have put together a FREE resource guide covering the Top 5 Medicare mistakes and how to avoid them. Here is what you will learn in this educational resource:
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Proven Steps to Achieve Medicare Success
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Discover What Insurance Companies Aren't Telling You
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Our personalized expert guidance is FREE of charge so that you can save time and money! And even better, when you take care of your Medicare plan enrollment with us, we make a donation to Operation Underground Railroad, which is pioneering the fight against Human Sex Trafficking.
The Your Local Medicare
Help Save the Children Fund
For every person we help enroll into a Medicare plan we donate to this fund.