Medicare Supplement Plan M is a supplement plan with a low monthly premium and bigger out-of-pocket expenses. It is suited mostly for people who are comfortable with cost-sharing policy and do not expect to visit hospital often.


There are three cost-sharing plans and Medigap Plan M is considered the most extensive one. Plan M doesn’t cover for the Part B deductible and Part B excess charges but Medigap Plan M coverage extends to:

  • 100% Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used up

  • 50% Part A deductible

  • 100% Part A hospice care coinsurance and copayment

  • 100% of first 3 pints of blood every year

  • 100% skilled nursing facility care coinsurance

  • 100% Part B coinsurance and copayment

  • 80% foreign travel medical costs

Plan M does not cover:

  • Part B deductible

  • Part B excess charges

  • Prescription drugs

  • Long-term care

  • Dental, Vision and Hearing care


For enrolling in Medigap Plan M, you probably want to enroll during your six-month Open Enrollment Period (OEP).

It begins on the first day of the month that you’re both aged 65 or over, and enrolled in Medicare Part B. You must be enrolled in Medicare Part A and Part B, and live within the plan’s service area.

Outside your OEP, you may still apply for a Medigap plan, but you may need to take medical underwriting, and acceptance isn’t generally guaranteed.


Medicare Supplement plans are standardized and regulated by the government but sold by private companies.

Factors that make finale premium equation includes age, location and tobacco use. In 2023 average Plan M premiums range from $72 to $260 per month.

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