• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
    4/05/2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
    9/19/2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
    6/15/2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
    4/30/2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
    12/07/2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
    11/07/2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
    9/27/2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    5/12/2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
    9/18/2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche
    8/07/2016

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Medicare Supplement Plan M

Medicare Supplement Plan M

Medicare Supplement Plan MMedicare Supplement Plan M, also known as Medigap Plan M, is an insurance plan sold by companies. Medigap plans cover some of the health care costs that Original Medicare doesn’t cover. Plan M is of the new Medigap plans that was made by the Medicare Modernization Act.

Plan M got its start in the Medicare supplement market in 2010. Let’s look into the pros and cons of Plan M and see if it’s a good fit for your coverage needs.

What Medigap Plan M Covers

Medigap Plan M gives you the same basic coverage and benefits as some of the other supplement plans. The biggest difference is that Plan M’s coverage isn’t comprehensive which results in a lower monthly premium. Let’s look into what Medigap Plan M covers.

  • Medicare Part A Coinsurance & Hospital Costs (Covered)
  • Part A Hospice Care Coinsurance or Copayment (Covered)
  • Medicare Part B Coinsurance and Copayment (Covered)
  • Blood (First 3 Pints) (Covered)
  • Skilled Nursing Facility Coinsurance (Covered)
  • Medicare Part A Deductible (50% Covered)
  • Foreign Travel Emergency (up to plan limits) (Not Covered)
  • Medicare Part B Excess Charges (Not Covered)
  • Medicare Part A Deductible (Not Covered)
  • Medicare Part B Deductible (Not Covered)

What Medicare Plan M WON’T Cover

Medigap Plan M will not cover 50% of the Part A Deductible, your Part B Deductible, or any Part B Excess Charges. Let’s look more closely at Plan M in the chart below.

Medicare Supplement BenefitsPlan M covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are usedYES
Medicare Part B coinsurance or copaymentYES
Blood (first 3 pints)YES
Part A hospice care coinsurance or copaymentYES
Skilled nursing facility care coinsuranceYES
Part A deductible50%
Part B deductibleNO
Part B excess chargesNO
Foreign travel emergency (up to plan limits)YES

Medigap Plan M Pros and Cons

Let’s look into the advantages and disadvantages of Medicare supplement Plan M.

Pros

Medicare Supplement Plan M closely resembles one of the most popular Medicare supplement plans, Plan N. This is because Plan M still offers a decent amount of coverage and low monthly premiums. Medigap Plan M was designed as an option for Medicare shoppers to get lower premiums by being responsible for more medical expenses. In other words – a little less coverage for a lower premium.

Cons

Medigap Plan M offers less coverage compared to Plan N. The biggest disadvantages of Plan M are that it doesn’t provide any coverage for Excess Charges or the Part B Deductible. However, Plan M will only cover half of your Part A deductible and won’t require co-payments. This last point is the biggest difference between Plan M and Plan N.

Medigap Plan M Quotes

Medigap Plan M isn’t as popular as other supplements such as Plan N or Plan G. It can sometimes be difficult to find Plan M quotes as many Medicare Supplement insurance carriers will not offer it. Give REMEDIGAP a call today at (888) 411-1329. We understand which insurance companies offer Plan M in your state. We’ll find out what the current Medigap rates are for you. We do the work for you and you won’t waste time searching dozens of carriers trying to find the few that may offer you this option.

Call (888) 411-1329 for your free consultation today!

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