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Medigap Plan M
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Medicare Plan M


For the past 17 years, Medicare Supplement plans have been mostly unchanged when the plans were originally standardized. Last 1st of June, 2010, two new choices for consumers were introduced, plan M and N. These new Medicare Supplement Plans offers cheaper premiums alternative to the existing Medicare Supplement plans.



Medicare Supplement Plan M is very similar to Plan C. It will offer the same core benefits as Plan C together with the additional hospice benefit required of all plans as of June 2010. Nevertheless, unlike Plan C, Plan M does not cover the Medicare Part B deductible and only 50% of the Part A deductible. However, once both deductibles are met, you will no longer have to pay co-pays for hospitalizations (Part A) or doctors visits (Part B).



Medigap plan M covers:

• All Basic Medicare Benefits That Are Included In Plan A

• 50% of the Hospital Deductible of Medicare Part A ($550)

• No Co-payments for Office Visits or Emergency Room

• Coinsurance for Medicare Approved Skilled Nursing

• Foreign Travel Emergency Expenses




Medigap Plan M does not cover:

• Part B Deductible ($155)

• Part B Excess Charges



Medigap Plan M may be a high-quality policy for individuals who want to maintain hospital costs at a minimum and feel they may need the services of skilled nursing for rehabilitation. The cost for premiums is usually about 20 to 30 percent less each month compared to rates for other plans.




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