Plan M will not cover the Part B deductible. Also once the Part B deductible is met you will not be responsible for co-payments for physician appointments.

Medicare Supplements

Plan M

Medigap Plan M offers many cost-sharing benefit options and includes many similar benefits to Plan D, but will only cover 50% of the Part A deductible.

Plan M will offer the core benefits of:

Covering the Part A hospital coinsurance
Skilled nursing facility benefits
Hospice coinsurance
Coverage for hospital costs up to an additional 365 days after Medicare benefits are used up
Coinsurance for Part B
Blood Services (first three pints)
Hospice coinsurance for prescription drugs
80% of foreign travel emergency benefits