Medigap Plan M covers a variety of out-of-pocket costs, including coinsurance for Parts A and B, skilled nursing care, and half of your Part A deductible.

Medigap Plan M

Medigap Plan M offers many cost-sharing benefit options and includes many similar benefits to Plan D, but will only cover 50 percent of the Part A deductible.

Plan M covers Part A hospital co-insurance, skilled nursing facility benefits, and hospice co-insurance. However, it does not cover the Part B deductible ($226 in 2023) and only covers half of the Part A deductible ($1,600 in 2023). However, once you meet your Part B deductible, you will not be responsible for co-insurance for appointments with your physician.

Medigap Plan M also includes coverage for hospital costs up to an additional 365 days after Medicare benefits are used up, coinsurance for Part B, blood services (first three pints), hospice coinsurance for prescription drugs, and 80 percent of foreign travel emergency benefits.

Not all insurance carriers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is right for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that would best fit your needs.

Medigap Plan M: Medicare Supplement Insurance

Original Medicare typically only pays for eyeglasses following cataract surgery.

Medicare coverage for eyecare is limited to people who have or are at high risk for certain conditions. Eyeglasses are only covered after cataract surgery.

Does Medicare Pay for Eyeglasses for Diabetics?

Before you sign on the dotted line, you should understand how your insurance policy works. These questions will help.

You deserve to know exactly how your insurance policy works. Here’s how to figure out what’s covered before you sign on the dotted line.

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Naturopathic medicine is an independent branch of medicine that uses natural and non-invasive methods to treat various conditions and diseases.

Medicare covers two types of naturopathic medicine under very specific conditions: chiropractic care and acupuncture to treat chronic low back pain.

Does Medicare Cover Naturopathic Medicine?

Medicare covers a variety of costs for diabetes treatment, with Part D helping to pay for Trulicity.

Trulicity, in combination with healthy lifestyle changes, is prescribed to treat type 2 diabetes. Most Medicare Part D plans cover it.

Does Medicare Pay for Trulicity?

The most common types of Medicare Advantage plans are HMO and PPO plans.

The main differences between HMO and PPO plans are the provider networks and what you’ll pay to go out of network for healthcare and services.

Difference Between Medicare Advantage HMO vs PPO

If Medicaid helps pay for your long-term care, it may be able to recoup costs by selling your home after you pass.

If Medicaid helps pay for your long-term care, the program may sell your home to recoup costs after you pass, assuming you don’t take steps to protect it.

Can Medicare or Medicaid Take Your House?

Making time to catch up with a friend or discuss a new show with your spouse isn’t just enjoyable. It’s a workout for your mind.

Talking to someone every day can help with memory, mental flexibility, and self-control.

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Your Social Security benefit is based on your earnings and age at retirement, but the maximum payment you can receive is $4,555 in 2023.

Your Social Security retirement benefit is based on your lifetime average salary as reported to the Social Security Administration over a 35-year period.

What Is the Maximum Social Security Payment?

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Most beneficiaries can only lose their Medicare coverage if they fail to pay their premiums.

Depending on how you receive your Medicare benefits, there are a few ways you could lose Medicare coverage. However, most can be avoided to prevent gaps in benefits.

Can You Lose Your Medicare?

Whether you should enroll in Medicare is based on federal law, not personal preference.

Retirement benefits is one reason so many Americans choose to work for the federal government. But that doesn't mean you don't need to sign up for Medicare.

Should Retired Federal Employees Take Medicare Part B?

You may not contribute to a health savings account (HSA) when you have Medicare, but you can withdraw from one.

A Health Savings Account (HSA) allows you to use pre-tax dollars to pay for medical expenses. However, you cannot contribute to an HSA if you have Medicare.

What Is the Penalty for Having an HSA and Medicare?

Rules for a Health Savings Account if You Have Medicare

Medical necessity is the main qualifier when determining whether a service is covered by Medicare.

Most services associated with hip replacement surgery are covered by Medicare Part A, Part B and Part D, though actual costs can vary.

Are Hip Replacements Covered Under Medicare?

While there are many joys to getting older, being the target of scams certainly is not one of them. These scams can come in many forms, including online, over the phone, through the mail, and even in person.

If you're 65+, you probably already know that scammers and con artists target you more than any other demographic. Here's how to avoid them.

How to Avoid Getting Scammed

Sometimes, speed really matters. That’s definitely true when someone is having a stroke – the fifth leading cause of death in the country.

Is it a stroke? Learn why you need to act fast, common stroke symptoms, how to prevent stroke, and a quick way to know when you need to call for help.

Act FAST When Someone Has a Stroke

How to Act F.A.S.T. when Someone Is Having a Stroke

If your doctor thinks it's medically necessary, Medicare typically covers allergy testing.

Medicare covers allergy tests in some cases, but not always. As with most services, much depends on whether the test is considered medically necessary.

Does Medicare Cover Allergy Testing?

These days, most insurance companies cover a variety of preventive services, such as an annual wellness visit, for one simple reason: they work. These types of screenings help diagnose potential health issues early, while they are easier (and less expensive) to treat. And, if a condition develops between yearly wellness visits, it is less likely to have advanced far, meaning it is also easier to treat.

Part B covers annual Medicare Wellness Visits 100%. This yearly preventive screening includes a complete medical examination and mental health assessment.

Does Medicare Cover Annual Wellness Visits?

Medicare Wellness Visits: Preventive Care and Screenings

Medicare Advantage plans are a great option for many people, combining the different parts of Original Medicare under one convenient plan. Plus, Medicare Advantage can offer broader coverage than Original Medicare. In fact, some of these extra benefits may surprise you.

Most Medicare Advantage plans go beyond the coverage offered by Original Medicare. Learn more about seven surprising benefits your plan might offer.

7 Surprising Medicare Advantage Benefits

If a natural disaster interfered with your ability to sign up for Medicare, there's a Special Election Period for that.

If you live in an area FEMA declared a disaster or emergency and it interfered with an enrollment period, you may qualify for a Special Enrollment Period.

Special Election Periods for Disaster Declarations

If you qualify for both Medicare and Medicaid, you're what's known as dual eligible - and your state Medicaid program will pay your Part B premiums.

While you must enroll in Medicare when you’re eligible to avoid enrollment penalties, you can have both Medicare and Medicaid for coverage and benefits.

If I Have Medicaid Do I Need Medicare?

Medicare typically covers care deemed medically necessary by a qualified healthcare provider.

Original Medicare Part A and B cover most services and supplies you need, including prescription drugs, if you require a kidney transplant or dialysis.

Does Medicare Cover Kidney Transplants?

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Benefits	A	B	C	D	F	G	K	L	M	N
Part A Hospital Co-insurance	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
365 Hospital Reserve Days	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Part B co-insurance/co-payment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Blood Benefit (first 3 pints)	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Hospice coinsurance/co-pay	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Skilled Nursing Facility coinsurance	No	No	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A deductible	No	Yes	Yes	Yes	Yes	Yes	50%	75%	50%	Yes
Part B deductible	No	No	Yes	No	Yes	No	No	No	No	No
Part B excess charge	No	No	No	No	Yes	Yes	No	No	No	No
Foreign Travel Benefit	80%	80%	80%	80%	80%	80%	No	No	80%	80%
Out-of-pocket limit	N/A	N/A	N/A	N/A	N/A	N/A	$6,940	$3,470	N/A	N/A

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Medigap Plan M: Medicare Supplement Insurance

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