Medicare Supplement Plan M

Medicare Supplement Plan M and Plan N were introduced in June of 2010. Plan M covers half of the Part A Deductible and does not cover the Part B Deductible. According to AHIP, in 2018 Medigap Plans K, L and also M accounted for 1% of all Medicare Supplement Plans sold. For example, Medicare Supplement Plan M had fewer enrollees than any Medigap plan.

Part A Hospital Coinsurance

Days 61-90 of a hospital stay in each Medicare benefit period.
Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime.

Additional Part A Hospital Benefits

An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits. In other words,

Part B Coinsurance

Pays for the Part B coinsurance after you meet your annual deductible.

Part A and B Blood Coverage

Pays for the first three pints of blood per calendar year.

Part A Hospice Coinsurance

Pays for outpatient prescriptions drug and inpatient respite care coinsurance.

Part A Deductible

In 2020, the Medicare Part A Deductible is $1,408. Medigap Plan M covers 50% of the Part A deductible.

Skilled Nursing Facilities

In 2020, the co-payment for skilled nursing is $176/day for days 21-100. Medigap Plan M covers the co-payment amount.

Foreign Travel Emergency

Plan M pays only for emergency care
Pays only after you first meet and pay a $250 deductible.
Pays 80% of billed charges for Medicare eligible expenses for medically necessary hospital, physician, and medical care received in a foreign country. You would be responsible for the other 20%.
Has a $50,000 lifetime maximum benefit.

Enrollment by State

The following data is provided by Ahip.org and it is as of December 31, 2018:

Massachussetts had 3,031 enrollees in Plan M. Plan M had more enrolles than the other Medigap plan.
Minnesota had 511 enrollees in Plan M. Plans A, C, D, G, K and also L had fewer enrollees.
New Hampshire had 192 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Florida had 120 people enrolled in Plan M. All other Medigap plans had more enrolles than Plan M.
Maine had 96 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
North Carolina had 83 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Tennessee had 55 people enrolled in Plan M. All other Medigap plans had more enrolles than Plan M.
Texas had 33 people enrolled in Plan M. All other Medigap plans had more enrolles than Plan M.
Maryland had 30 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
California had 25 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Ohio had 25 people who were in Plan M. All other Medigap plans had more enrolles than Plan M.
Indiana had 23 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Nebraska had 19 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Arizona had 15 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Pennsylvania had 15 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.
Idaho had 14 enrollees in Plan M. All other Medigap plans had more enrolles than Plan M.