Medicare Supplement Plan M

Medicare Supplement Plan M offers the same benefits as Plan D, but the difference is that you will pay half of the deductible for Medicare Part A, whereas Plan D pays the full amount. In return for paying half the deductible amount, you will have a lower monthly premium.

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Coverage for Plan M


Plan M covers the following benefits:

  • Coinsurance payments for Medicare Part A
  • Copayment or coinsurance expenses for Medicare Part B
  • First three pints of blood used in a medical procedure
  • Hospice care coinsurance expenses or copayments for Part A
  • Skilled nursing facility care coinsurance
  • Half of Part A deductible
  • 80% of foreign travel emergency expenses but only up to plan limits

The Part A deductible for 2020 is set to $1,408. With Plan M, you’ll only be paying $704 of that amount. 

What is not covered by Plan M?

Like the rest of the supplement plans, excluding Plans C and F, Plan M does not cover Medicare Part B deductible or excess charges. These are costs that will need to be covered by you. However, because of your agreement to pay these costs and half of your Part A deductible, you’ll receive a lower premium payment. This is known as cost-sharing.

Plan M also does not offer a maximum out-of-pocket limit. When a plan has this limit, you are limited to how much you can spend on out-of-pocket costs. When you reach the limit, your plan will start paying 100% of the covered services it offers for the remainder of the calendar year. Since Plan M does not provide this, you will have to pay the out-of-pocket costs.

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Have more questions?

Is Plan M right for me?

When deciding on a Medicare Supplement plan, you should look at all available options and determine what benefits you’re looking for and for what price. 

However, there are very few insurance carriers who offer Plan M because of the lack of knowledge of cost-sharing. By contacting an insurance agent, you can find multiple carriers within your area to see what plans they offer and for how much. Each carrier is required to provide the same basic benefits that are mentioned in each plan. The only difference will be the cost, which depends on factors such as the carrier’s rates and the area you’re in.

Give us a call at 877-885-3484 or send us an email at Our mission is to provide you with the help you need to find affordable supplements to protect you from out-of-pocket costs and provide added benefits.