In a medium saucepan, combine the rolled oats, water, cinnamon, nutmeg, and salt. Bring to a boil over medium-high heat.
Reduce heat to low and simmer for about 5-7 minutes, stirring occasionally, until the oatmeal is thick and creamy.
Add the diced apple and honey to the oatmeal and stir well to combine. Continue cooking for another 2-3 minutes, or until the apple is soft and tender. Remove from the heat and stir in the milk.
Portion the oatmeal into bowls. Serve with coffee.