Medicare Supplement

Medigap Plan M

Medigap Plan M is a cost-sharing Medicare Supplement option designed to keep monthly premiums lower by shifting some costs to the policyholder.

It covers 50% of the Medicare Part A deductible, along with 100% of Part A hospice care and skilled nursing facility coinsurance.

Part A - Coinsurance and Hospital Costs

Up to an additional 365 days after Medicare benefits are used

100%

Part B coinsurance or copayment

100%*

Blood benefit (first 3 pints)

100%

Part A Hospice Care Coinsurance or Copayment

100%

Skilled Nursing Facility Care Coinsurance

100%

Part A Deductible

50%

Part B Deductible

Part B Excess Charge

Foreign travel emergency

Up to plan limits

80%

Out-of-pocket limit**

N/A

The chart above shows basic information about the different benefits Medigap policies cover

100% = the plan covers 100% of this benefit
X = the plan doesn’t cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable

The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).