Massachusetts Medicare Advantage plans have become so popular that Massachusetts residents are turning in their old coverage and trying something new. There are currently 1,188,276 enrollees in Massachusetts. There is plenty to understand about the Massachusetts Medicare Advantage plan and what plans are available.

How Medicare Advantage Plans Work in Massachusetts

Massachusetts Medicare Advantage plans allow you so many great benefits all in one plan. They are considered a private plan because they are offered through private carriers.

The plans are different depending on what carrier you go with, so it’s important to know what each plan covers.

These plans typically cover medical, vision, hearing, and dental. Some of these plans have drug coverage, but not all of them.

Depending on the city you live in, there are up to 39 available plans for you. Therefore, it’s important to examine each plan to ensure you have the best coverage available to you.

Medicare Advantage Plans Offered in Massachusetts

Medicare Advantage plans are not covered by the government as they are considered private plans. Depending on the zip code you live in, there could be different plans available to you. A plan in Florida may not be the same as a plan in Massachusetts.

There are some great plans available below in the Massachusetts area. They are sorted by zero-dollar premiums, ratings, and deductibles.

Medicare Advantage Plans with a Zero Dollar Premium

The great thing about Massachusetts Medicare Advantage plans is that they have zero-dollar premiums. However, it’s important to keep in mind that the lower the premium, the higher the out-of-pocket expenses and co-pays involved.

Aetna (HMO) is a carrier with one of the lowest MOOP expenses at $6,700 and has a 4-star rating.

UnitedHealthcare is the next lowest carrier and is a local PPO. Unfortunately, they only have a 3-star rating.

Tufts Health has the highest MOOP at $7,550 as an HMO, but they carry a 5-star rating.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
BCBS of Massachusetts $0 $6,700 LOCAL PPO 4
Wellcare $0 $6,500 LOCAL PPO N/A
Tufts Health $0 $7,550 HMO 5
UnitedHealthcare $0 $6,700 LOCAL PPO 3
Aetna $0 $6,700 HMO 4

Medicare Advantage Plans with a Zero Dollar Drug Deductible

Fallon Health has the lowest MOOP cost at $3,400 as an HMO but has a monthly premium of $181. They hold a 4-star rating and are one of the more popular plans.

The next lowest is Tufts Health at $3,450 as an HMO. They have a higher rating at 5-stars but also have a monthly premium of $186.

Aetna has a zer0-dollar monthly premium but their MOOP is much higher at $6,700. They hold a 4-star rating.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Wellcare $0 $6,500 LOCAL PPO N/A
Aetna $0 $6,700 HMO 4
Fallon Health $181 $3,400 HMO 4
Tufts Health $186 $3,450 HMO 5

Medicare Advantage Plans with a 5-Star Rating

Tufts Health is the only carrier in the area that holds a 5-star rating. For residents that are interested, you might be eligible for a Special Enrollment Period. Tufts Health has a zero-premium monthly but has a high MOOP at $7,550.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Tufts Health $0 $7,550 HMO 5

Medicare Advantage Plans with a Part B Reduction

Medicare Part B always has a monthly fee attached, but costs can be reduced if you have a Medicare Advantage plan. These plans below have Part B reductions included for residents enrolled in Medicare Part B.

The numbers below are subject to change depending on the zip code that you live in. In addition, not all areas have coverage for Part B reductions.

Wellcare has a higher MOOP at $7,550 with a Part N reduction of $69. They don’t have an available rating.

UnitedHealthcare is the cheapest Part B plan with a MOOP of $6,700 and offers a Part B reduction of $30.00. They hold a 3-star rating.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
UnitedHealthcare $0 $6,700 $30.00 3
Wellcare $0 $7,550 $69.00 N/A

Ancillary/DVH

Medicare Supplements like Medigap are not the same as the Massachusetts Medicare Advantage plan. There are both pros and cons to having Medicare Advantage or Medigap, but Medicare Advantage offers ancillary coverage for basic needs. These are things not normally covered by Original Medicare, such as dental, prescription drugs, vision, and hearing.

Cities in Massachusetts with Estimated Premiums for Medicare Supplement Coverage

Below are some charts for Medicare Supplement Coverage in Massachusetts with the associated estimated premiums:

FAQs

Does Massachusetts have Medicare Advantage plans?

There are many Medicare Advantage plans in Massachusetts. There are four types of plans: Preferred provider organization (PPO), health maintenance organization (HMO), special needs plan (SNP), and private fee-for-service (PFFS).

What is the best Medicare Advantage plan in Massachusetts?

Aetna is one of the most popular plans available for Medicare Advantage. That’s due to their 4-star rating and lower cost for MOOP.

What is better in Massachusetts: Original Medicare or Medicare Advantage?

Whether Medicare Advantage or Original Medicare is right for you depends on your healthcare needs. There are things available with Medicare Advantage that you do not get with Original Medicare. For example, if vision, dental, and hearing are something that you require, then Medicare Advantage is better suited for you.

How to Get Help Enrolling in a Massachusetts Medicare Advantage Plan

A Medicare Advantage plan in Massachusetts has all the same benefits as Original Medicare and often adds additional coverage as well. So if you’re looking to make the switch, reach out to us today to be matched up with the best plan for you.

Our licensed insurance agents can help you with Medicare Advantage or even Supplemental Medicare plans that fit exactly what you’re looking for. They’ll assist you in comparing plans and answering any questions related to Medicare.

Our agents are more than happy to help you choose a plan that is right for you. Call us today, or fill out the online form to receive the best rates in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.