Medigap Plan M
Plan M is Plan D with one twist: it pays 50% of the Part A hospital deductible instead of all of it. Hospital and skilled nursing coinsurance, Part B coinsurance, blood, and hospice cost-sharing are covered in full, foreign travel emergencies at 80% — but each benefit period, half of the $1,736 Part A deductible is yours.
What does Plan M cover?
- Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used) — Covered 100%
- Part B coinsurance or copayment — Covered 100%
- Blood (first 3 pints) — Covered 100%
- Part A hospice care coinsurance or copayment — Covered 100%
- Skilled nursing facility care coinsurance — Covered 100%
- Part A deductible — Covered 50%
- Part B deductible — Not covered
- Part B excess charges — Not covered
- Foreign travel emergency (up to plan limits) — Covered 80%
Who is Plan M a good fit for?
- People willing to split the hospital deductible with the plan — the design trades that 50% exposure for whatever premium difference your state's quotes actually show.
- People who rarely expect inpatient stays: if the Part A deductible seldom happens, half of it seldom happens either.
- People who want skilled nursing and foreign travel coverage without paying for excess-charge protection.
What are the trade-offs of Plan M?
- Half the hospital deductible is real money — 50% of $1,736 per benefit period in 2026, and benefit periods can repeat within a year.
- The annual Part B deductible and any Part B excess charges are still yours.
- Not every carrier offers every letter — ask your advisor whether Plan M is actually quotable in your state before anchoring on it.
Key facts
- Part A deductible
- Covered 50% (2026)
- Part B deductible
- Not covered (2026)
- Part B excess charges
- Not covered (2026)
- Sold by
- Private insurers, standardized by federal law — same benefits at every company
Frequently asked questions
Does Plan M cover the Part B deductible?
No. You pay the annual Part B deductible yourself — $283 in 2026 — and Plan M picks up its share of covered services after that.
Does Plan M cover Part B excess charges?
No. If a doctor does not accept Medicare assignment, the excess charge — up to 15% above the Medicare-approved amount — is yours. Not every state allows those charges.
Does Plan M cover care outside the United States?
Partly. Plan M pays 80% of foreign travel emergency care, after a separate deductible and up to the plan's lifetime limit. Routine care abroad is not covered.
Is Plan M the same at every insurance company?
Yes. Medigap benefits are standardized by law, so Plan M is the same package of benefits whoever sells it. Price, service and rate history are what differ — three states (Massachusetts, Minnesota, Wisconsin) standardize their plans differently.
Sources
- Medicare.gov — Medigap (Medicare Supplement Insurance) (accessed September 8, 2026)
- CMS — Choosing a Medigap Policy (product 02110), benefit chart (accessed September 8, 2026)
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (accessed September 8, 2026)
Further reading
- TRICARE for Life and Medicare 2026: Apopka, FL Veterans' Coverage Guide
- Medicare Trial Rights in 2026: Your 12-Month Guaranteed Way Back to Medigap
- TRICARE for Life & Medicare 2026: Orlando Area Veterans Guide
- All Medigap plans and the full benefit chart
- The six-month Medigap open enrollment window
- Two-minute plan match quiz
- Medicare articles
- Find a licensed Medicare advisor by state
Updated September 8, 2026. Dollar figures are 2026 plan-year amounts transcribed from CMS publications and last verified by IM65 against the source for each: Parts A & B premiums, deductibles and IRMAA (August 11, 2026).