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Medicare Supplement Plan M – Medigap Plan M Rates for 2020

Medicare Supplement Plan M is used with your Original Medicare and commonly called Medigap.

Medigap health insurance coverage is used to help fill gaps in coverage left for the insured to pay once Medicare has paid their portion of the bill.

Plan M will only pay a portion of the cost remaining once Medicare pays their portion of the bill.

Plan M doesn’t cover all medical costs leaving a portion of out of pocket expenses for the insured to pay.

Educate yourself about the different plan options before choosing a Plan.

Plan F and Plan G are the most comprehensive options we the best overall coverage; however, these plans cost more.


Plan M will fill in the gaps for:

  • Hospital stays
  • Skilled nursing facility care
  • Medicare Part A Hospice care

You must pay a portion of your Part A deductible; Plan M only pays some of the rest.

Plan M pays the remaining percentage of your Medicare approved medical expenses which are not covered directly by Medicare. Typically, this is 20% of your approved healthcare expenses.


The medical cost might occur through:

  • Your physician
  • Treatments, Inpatient or outpatient surgeries
  • Your approved supplies
  • Therapies
  • Equipment
  • Additional expenses for medically necessary and approved by Medicare.

Plan M doesn’t cover your Medicare Part B deductible or any of your Part B excess charges.


Plan M Benefits

Also included Plan M benefits are when blood is need during any of your medical procedures or surgery.

Medicare coverage will begin after your first 3 pints of blood. Plan M will then cover these first 3 pints and no additional expense is made to the insured.

There is some emergency care for your foreign travel which is provided.

After the insured has paid the deductible then Plan M covers 80% of the necessary medical expenses.

You the patient are still responsible for paying the 20% for these expenses. Plus, there is a lifetime limit for foreign travel medical benefits. Use the chart below to compare Medigap Plan M to the other options available.


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