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Medigap Plan M

Medicare Supplement Plan M is a type of supplement plan with a low monthly premium and bigger out-of-pocket expenses. It is designed for people who are comfortable with the cost-sharing policy and do not expect to visit the hospital often. It is sold by private insurance companies approved by Medicare.


Medicare Supplement Plan M coverage extends to:

  • 100% Part A coinsurance and hospital costs, up to an additional 1 year after Medicare benefits are used up

  • 50% Part A annual deductible

  • 100% Part A hospice care coinsurance and copayments

  • 100% of the first 3 pints of blood every year

  • 100% skilled nursing facility care coinsurance

  • 100% Part B coinsurance and copayment

  • 80% of foreign travel medical costs

Plan M does not cover next costs:

  • Part B deductible

  • Part B excess charges

  • Prescription drugs

  • Long-term care

  • Dental, Vision, and Hearing care


For enrolling in Medicare Supplement Insurance Plan M, you might want to consider enrolling during your six-month Open Enrollment Period (OEP). This six-month period begins on the first day of the month that you’re both aged 65 or over, and enrolled in Medicare Part B. During your OEP, you will generally enjoy a guaranteed issue right to enroll in a Medigap Plan M policy even if you have a pre-existing health condition without having to pay a higher premium than a healthy person. You must be enrolled in Original Medicare – Part A and , and live within the plan’s service area to be eligible to enroll in this supplemental insurance.

Outside this enrollment period, you can still apply for supplemental insurance, but you may need to undergo medical underwriting, and acceptance isn’t generally guaranteed.


Medicare Supplement plans are standardized, regulated, and managed by the federal government but sold by private insurance companies approved by Medicare. Those carriers will determine monthly premiums according to several factors including an individual`s age, location, and tobacco use. In 2022 average monthly Medigap Plan M premiums for a 65-year-old nonsmoker range from $72 to $260.

Over the past 10 years, our mission has remained the same - Make Insurance Simple. Above all else, we give our clients the best possible experience.

Jersey Insurance Solutions helps their clients yearly to ensure they are on the best plan for their coverage needs.

Live Webinars

People Turning 65 and new to Medicare struggle to find clear information on what to do and how to do it. We provide free webinars and live seminars to help educate people new to Medicare.

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