Home » Medicare Supplement » Medicare Supplement Plans » Medicare Supplement Insurance Plan M

Medigap Plan M

Medigap Plan M is one of the more popular Medicare supplement plans 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 Plan 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.

Medigap Plan M Coverage

Medicare Supplemental Plan M covers the following Medicare expenses:

  • Medicare Part A Coinsurance & Hospital Costs – Covered
  • Medicare Part B Coinsurance and Copayment except $20 for some office visits & $50 for E.R. visits – Covered
  • Blood (First 3 Pints) – Covered
  • Part A Hospice Care Coinsurance or Copayment – Covered
  • Skilled Nursing Facility Coinsurance – Covered
  • Medicare Part A Deductible – 50%
  • Medicare Part B Deductible – Not Covered
  • Medicare Part B Excess Charges – Not Covered
  • Foreign Travel Emergency (up to plan limits) – Covered

Plan N covers everything that Part F and G cover except for: Part B deductible, Part B excess charges, and 50% of the Part A deductible.

What Medigap Plan M Does NOT Cover

Plan N 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.

Medigap Plan M Benefits


To learn more about Part M benefits and premiums, call GoMedigap at (800) 310-2550 or enter your zip code to get a free Medigap quote.

Compare Your Medicare Supplement Rates Immediately!

Leave a Reply

Please note that once you post a comment to this website, it will be visible to the public, so be careful not to include any personal or confidential information in your comment.

Your email address will not be published. Required fields are marked *