MEDICARE SUPPLEMENT PLAN M
Medicare Supplement Plan M
Plan M: Plan D with half the hospital deductible.
Plan M is like Plan D but pays only half of the Part A hospital deductible, for a lower premium. It does not cover the Part B deductible or excess charges. Very few companies sell Plan M.
Plan M quick facts
Plan M pays half of the $1,736 hospital deductible. Plan M benefits are standardized by federal law, so every company's Plan M pays the same — only the premium is different.
Your Medicare out-of-pocket costs with Plan M vs. without Plan M
The table below shows some of your potential Medicare out-of-pocket costs in 2026 with Plan M vs. without Plan M.
| Medicare out-of-pocket costs | With Plan M | Without Plan M |
|---|---|---|
| Part A deductible | 50% of the cost | $1,736 per benefit period |
| Inpatient hospital stay co-insurance (days 61–150) | $0 | $434 per day, then $868 per day |
| Part B co-insurance or co-payment | $0 | 20% of the cost of care |
| Blood (first 3 pints) | $0 | 100% of the cost of the first 3 pints |
| Hospice care co-insurance or co-payment | $0 | 5% of the cost of respite care $5 per prescription drug |
| Skilled nursing facility co-insurance after day 20 of care | $0 | $217 per day |
| Part B deductible | You pay the full amount | $283 per year |
| Part B excess charges | You pay the full amount | Up to 15% of the Medicare-approved cost of a service |
| Foreign travel emergency (up to plan limits) | 20% of the cost (plan pays 80%) | 100% of the cost |
Other Medicare Supplement plans
There are other Medigap plan options available. Click a plan to learn more about it: