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Medigap Plan M

Medigap Plan M’s benefits

Medigap Plan M is appealing because it offers low premiums while also providing coverage for all but two of the Medigap coverage categories.

Medigap Plan M covers:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copay
  • First three pints of blood
  • Medicare Part A hospice care coinsurance or copay
  • Medicare Part A deductible (50%)
  • Care in a Skilled Nursing Facility
  • Emergency care during foreign travel (80% of remaining costs)

What Medigap Plan M doesn’t cover

Medigap Plan M does not cover:

  • Medicare Part B deductible
  • Medicare Part B excess charges

Interpreting Medigap Plan M’s benefits

Medigap Plan M is very comprehensive. A person interested in this would foot the bill for 50% of the Medicare Part A deductible, as well as the Part B deductible and excess charges, but those out-of-pocket costs aren’t insurmountable. Keep in mind, Medicare Part B’s annual deductible is $203 in 2021, and Part B excess charges are not costs incurred often. If you want extensive coverage and are comfortable paying the other costs, then Plan M is perfect for you.

If you need more assistance with understanding Medigap Plan M, contact World Financial Solutions today.

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