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What Is Medicare Supplement Plan M?

Medicare Supplement Plan M is a popular Medicare Supplement plan because it often has low monthly premiums while still offering a decent amount of coverage. Plan M was crafted as an option to allow Medicare recipients to trade a little more exposure to medical expenses for a lower monthly premium on their coverage.

Although Plans F, G, and N are the most popular options, Plan M is very similar in coverage to Plan N and can sometimes have lower monthly premiums as a result. Plan N is usually the least expensive option out of the most popular plans, but it does not cover the Part B deductible or co-payments for doctors and emergency room visits. Similarly, Plan M does not cover the Part B Deductible and Excess Charges. Plan M differs from Plan N because it doesn’t require co-payments, and it only covers 50% of your part A deductible.

Medicare Supplement Plan M Coverage

Medicare Supplement Plan M covers the following Medicare expenses:

  • Medicare Part A Coinsurance and Hospital Costs
  • Medicare Part B Coinsurance and Copayment except $20 for some office visits and $50 for E.R. visits
  • Blood (First 3 Pints)
  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Coinsurance
  • Medicare Part A Deductible (50%)
  • Foreign Travel Emergency (up to plan limits)

What Medicare Supplement Plan M Does NOT Cover

Plan M covers everything that Part F and Part G cover except for: the Part B Deductible, Part B Excess Charges, and 50% of the Part A Deductible.

Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

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