top of page

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:

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up 

  • Medicare Part A hospice care coinsurance or copayment

  • 50% of Medicare Part A deductible

  • Medicare Part B copayments and coinsurances 

  • The first three pints of blood used in a procedure

  • 80% of foreign travel emergency medical costs 

  • Skilled nursing facility care coinsurance

  • Medicare preventive care Part coinsurance

However, Medicare Supplement Plan M Doesn't Pay:

  • Part B deductible

  • 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.

Top 5 Medicare Mistakes to Avoid! 

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: 


  • Proven Steps to Achieve Medicare Success

  • How To Avoid Costly Mistakes & Lifetime Penalties

  • Discover What Insurance Companies Aren't Telling You

  • And More…


Don’t leave your health coverage in retirement to chance. Download this FREE resource today!"

Social Media Kit 2.jpg

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.


Top 5 Medicare Mistakes to Avoid

Avoid Common Pitfalls People Make

Social Media Kit 2.jpg
bottom of page