Medicare Supplement Plan M in Washington
Plan M pays half the Part A deductible and doesn't pay the Part B deductible or excess charges. No insurer sells it in Washington right now.
Why you can't buy Plan M here
Insurers choose which standardized letters to sell. On the current Washington chart, no insurer has an approved Plan M premium, so it isn't available.
Closest alternatives
- Plan N pays the full Part A deductible and adds small office and ER copays. It's the most common choice for people who'd have considered M.
- Plan G pays the full Part A deductible and excess charges.
- High-deductible Plan G for the lowest premium with a firm yearly cap.
What Plan M covers next to other plans
| Benefit | M | G | N | F |
|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | 100% | 100% | 100% | 100% |
| Part A deductible | 50% | 100% | 100% | 100% |
| Part B deductible | – | – | – | 100% |
| Part B excess charges | – | 100% | – | 100% |
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% |
| Yearly out-of-pocket limit | – | – | – | – |
Common questions
Can I buy Plan M in Washington?
No insurer has a Plan M premium on the Washington OIC approved chart current as of October 8, 2026. The plan is legal to sell, but nobody is selling it here right now.