Choosing Mile High Medicare as your Medicare consultant means you receive personal guidance tailored to your needs and goals. We will help you select a Medicare supplement health plan and guide you through each step of the process. For a unique blend of wisdom and care, folks choose Mile High Medicare. 

If you’re viewing this page, you’re probably already aware that Medicare Supplement insurance plans, also known as Medigap plans, help pay for your Original Medicare (Part A and Part B) out-of-pocket costs, such as coinsurance and deductibles. Medicare Supplement insurance plan is optional insurance available from private insurance companies.

Medicare Supplement (Medigap) Plan M benefits are the same as those of Medigap Plan D, except that with Plan M, you pay half of the Medicare Part A deductible (while Medigap Plan D covers the entire Part A deductible).

Medicare Supplement insurance plans are standardized, plans named with the same letter designation include the same coverage no matter where you buy the policy. That is, a Medigap Plan M policy you buy in Nevada has the same benefits as a Plan M policy you buy in Texas. (Plan premiums and availability may differ.)

Colorado Medicare Supplement Insurance: Plan M coverage

  • Medicare Supplement Insurance: Plan M coverage
  • Medigap Plan M covers the following costs and benefits:
  • Part A hospital coinsurance and hospital costs up to an additional 365 days after Original Medicare benefits are exhausted
  • Part A hospice care coinsurance payment or copayment
  • Part B copayment or coinsurance payment
  • First three pints of blood for a medical procedure
  • Skilled nursing facility (SNF) care coinsurance
  • 50% of Part A deductible costs
  • 80% of foreign travel emergency coverage (up to plan limits)

Medigap Plan M does not cover the Medicare Part B deductible or excess charges. Part B “excess charges” are additional costs outside of the Medicare-approved charge. For example, suppose Medicare’s allowed charge for a specialist appointment was $100, and the physician chose not to accept that amount and instead charged an additional 15% for the visit. In this example, Medicare would pay 80% of the allowed charge, sending the physician $80. The beneficiary is responsible for paying not only the remaining $20, but also the excess 15% charge — another $15, making the total out-of-pocket cost $35.

Medigap Plan M has no out-of-pocket limit, meaning you must pay any out-of-pocket costs that aren’t covered by Original Medicare or Medigap Plan M. When a Colorado Medigap plan (or any Medigap plan, for that matter) has an out-of-pocket spending limit, it means that once you’ve spent that amount on out-of-pocket costs and your yearly Part B deductible, your plan will pay 100% of covered services for the rest of the calendar year.

One of the most important aspects of choosing a Medicare Supplement plan is understanding that there are windows of opportunity where it will be easier for your to get a plan than other times. Mile High Medicare exists to help you determine when the time is right to start your Colorado Medicare Medigap plan. 

Compare Medigap Plan M with other Medicare Supplement insurance plans

Medigap Plan M may not be available in every state, or every part of every state.

Our Medigap plan finder invites you to compare the benefits of Medigap Plan M against other Medicare Supplement insurance plans to find the one that may suit your needs.


Call today to speak with an experienced Colorado Medicare Supplement Plan M insurance broker to compare Medicare Supplement Plans and:

  • Receive free no obligation Medicare supplement insurance plan quotes
  • Compare Medicare supplement insurance plans
  • Choose the from the best Medicare supplement insurance plan prices available.


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