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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:

  • 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!"

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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.

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Top 5 Medicare Mistakes to Avoid

Avoid Common Pitfalls People Make

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Welcome to Your Local Medicare Help, where we specialize in making Medicare easy to understand and tailored to your needs. Our mission is to provide FREE experienced guidance to all Medicare beneficiaries, ensuring you find the best plan for your unique situation while also helping you access valuable federal and state programs that could save you money and enhance your coverage.

Medicare can be confusing, but you don’t have to navigate it alone. Our dedicated team takes the time to understand your healthcare needs, budget, and preferences. We’ll help you explore your options, including Medicare Supplement Insurance and prescription drug coverage, so you can confidently make informed decisions.

Whether you’re turning 65 or already enrolled and looking to review your plan, we’re here to guide you every step of the way. Contact Your Local Medicare Help today for personalized support—at no cost to you! Let us simplify Medicare so you can focus on your health and well-being.

Visit or Contact Us Today:

Your Local Medicare Help
700 S Main St, Suite 111
Lapeer, MI 48446
Phone: (877) 438-9564

Office Hours:
Monday: 9 AM – 5 PM
Tuesday: 9 AM – 5 PM
Wednesday: 9 AM – 5 PM
Thursday: 9 AM – 5 PM
Friday: 9 AM – 5 PM
Saturday: 9 AM – 12 PM
Sunday: Closed

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*Your Local Medicare Help is an independent insurance brokerage that connects individuals with insurance providers. Your Local Medicare Help is delivering an educational presentation only. Products and services are provided exclusively by the providers. Descriptions are for informational purposes only and subject to change. Insurance plans may not be available in all states. We do not offer every plan available in your area. Currently we offer 8 Organizations offering 95 plans. Any information we provide is limited to those plans we do offer in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.” For accommodation of persons with special needs at meetings call 1-877-438-9564. By submitting your phone number, you are giving Your Local Medicare Help permission to communicate with you via live telephone and automatically-sent text message. We are not connected with or endorsed by the United States government or the federal Medicare program.

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