Medicare Supplement Plan M

Basic Benefits for Supplement Plan M

Supplement plans are required to cover a set of standardized basic benefits set by the government. These Supplemental benefits provide additional coverage to what is covered by Original Medicare Part A (hospital insurance) and Part B (medical insurance and doctor visits).

Medicare Part A Hospital Coinsurance or Deductible

• For hospital stay days 1 - 60, Plan M pays $670
• For hospital stay days 61 - 90, Plan M pays $335 per day
• For hospital stay days 91 - 150, Plan M pays $670 per day
• For an additional 365 days, Plan M pays 100% of approved expenses
• After the additional 365 days, Plan M pays $0 per day

Medicare Part A Skilled Nursing Facility Coinsurance

• For nursing facility stay days 1 - 20, Plan M pays $0 per day
• For nursing facility stay days 21 - 100, Plan M pays up to $167.50 per day
• After 100 days nursing facility stays, Plan M pays $0 per day

Medicare Part B Coinsurance or Copay

• Plan M pays $0 until you meet your $185 Part B deductible
• After Part B deductible is met, Plan M typically pays 20% of the coinsurance. Original Medicare Part B covers the other 80%

Blood Coverage

• For the first 3 pints of blood, Plan M pays 100% of the cost
• After the first 3 pints of blood, Plan M pays $0 of the cost because Original Medicare covers 100%