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Medicare Supplement Plan M

Comprehensive Coverage with 50% Part A Deductible Sharing

Monthly Premium
$85–$230/mo
New Enrollees
Available
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What Is Medicare Supplement Plan M?

Medicare Supplement Plan M offers broad coverage similar to Plan G but with one key difference: it only covers 50% of the Part A deductible. In exchange, Plan M premiums are lower than Plan G.

Plan M is a middle-ground option that covers most Medicare cost-sharing comprehensively, with the exception of the Part A deductible. You're responsible for 50% of the Part A deductible ($1,736 in 2026), meaning you'd pay $868 per hospital admission. Plan M also does not cover Part B excess charges.

Plan M is less commonly offered than Plan G or Plan N, so you may have fewer carrier options. Before choosing Plan M, compare it carefully to Plan N - which has similar premium savings but different cost-sharing trade-offs.

Key Highlights

  • Covers Part B coinsurance in full - no copays for outpatient services
  • Covers skilled nursing facility coinsurance
  • Includes foreign travel emergency coverage
  • Only pays 50% of the Part A deductible
  • Lower premiums than Plan G

What Does Plan M Cover?

BenefitCoverage

Part A hospital coinsurance & costs (up to 365 days after Medicare benefits)

Covered

Part A hospice care coinsurance or copayment

Covered

Part A deductible ($1,736 in 2026)

50% covered ($868) - you pay $868

Partial

Part B coinsurance or copayment

Covered

Part B excess charges

Not Covered

Part B deductible ($283 in 2026)

Not Covered

Blood (first 3 pints)

Covered

Skilled nursing facility coinsurance

Covered

Foreign travel emergency (up to plan limits)

80% after $250 deductible, up to $50,000 lifetime

Covered

All Medigap plans are standardized by federal law. Benefits are identical regardless of which insurer you choose.

Plan M Pros & Cons

Pros

  • ✓ Lower premiums than Plan G
  • ✓ Full Part B coinsurance coverage - no outpatient copays
  • ✓ Skilled nursing facility and foreign travel included
  • ✓ Good balance of coverage and cost

Cons

  • ✗ Only covers 50% of Part A deductible - you pay $868 per hospital admission
  • ✗ Does not cover Part B excess charges
  • ✗ Less widely offered than Plan G or Plan N

Frequently Asked Questions

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