Medigap Plan M

Hospital Inpatient Costs

Original Medicare

• Day 1-60 of an inpatient stay: Your annual deductible is $1484 with coinsurance 
• Days 61-90: your cost of coinsurance per day is $371
• After Day 90: you pay a lifetime reserve day of $742

Medigap Plan M

• 100% of Medicare Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used. 

Part B Coinsurance 

Original Medicare

• You are usually expected to pay 20%

Medigap Plan M

• 100% of Medicare Part B coinsurance or copayment 

Blood

Original Medicare

• If the hospital has to buy blood for you, you must pay for the first 3 units of blood you get in a calendar year

Medigap Plan M

• 100% of first 3 pints of blood 

Hospice Care Coinsurance/Copayment 

Original Medicare

• You pay a copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management. 
• You pay 5% of the Medicare-approved amount for inpatient respite care. 

Medigap Plan M

• 100% Part A Hospice Coinsurance or copayment 

Skilled Nursing Facility (SNF) Care Coinsurance 

Original Medicare

• Days 1-20 at SNF facility: no cost 
• Days 21-100: you pay $185.50 per day 
• Day 101 and after: You assume all costs

Medigap Plan M

• 100% SNF Coinsurance 

Part A Deductible 

Original Medicare

• Annual deductible: $1484 with coinsurance for days 1-60 of each benefit period.
• After Day 60: See Hospital Inpatient costs, above

Medigap Plan M

• Covers 50% of Part A Deductible 

Part B Deductible 

Original Medicare

• In 2021, the deductible for part B is $203. After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%. 

Medigap Plan M

• No additional coverage 

Part B Excess Charges

Original Medicare

• No out of pocket expense yearly limit
• After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%. 

Medigap Plan M

• No additional coverage 

Bonus: 80% of foreign travel emergency medical care up to the plan limits.