There are 1,021,696 Massachusetts residents that have Original Medicare. Some of the more than one million residents have different parts of Medicare.

Original Medicare is there to help people in need, but sometimes you must supplement Medicare with a supplemental plan. There are many Medicare options available to you in the state of Massachusetts.

Medicare in Massachusetts: Facts & Figures

  • Part A of Massachusetts Medicare has 997,248 plus members.
  • Of the Massachusetts residents in Part A, 831,615 recipients had aged into the program. The beneficiaries that were disabled in Part A were 163,654.
  • Of the Massachusetts residents in Part B, 714,901 recipients had aged into the program. The beneficiaries that were disabled in Part B were 145,440.
  • Residents enrolled in Part D prescription drug plans were 1,023,770.
  • About 327,816 residents of Massachusetts take part in Medicare Advantage plans.

Medicare Costs in Massachusetts for 2022

Original Medicare may have some costs involved, and the best way to be prepared for them is to do your research. For example, it’s important to know if there is a co-pay, what deductibles are there, and whether there is a premium.

Part A of Medicare involves hospital visits. These services take place in an emergency room as inpatient care. Some stays typically last more than a day.

Part B is for outpatient care. These are vaccines, flu shots, medical supplies, or medical exams. This part is not for hospital stays.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

In Massachusetts, 858,362 residents are enrolled in Part A and Part B of Original Medicare. In addition, there are 712,936 that have aged into the program and 145,427 who came into the program for disability coverage.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Massachusetts

Massachusetts residents are looking for the best plans available at the lowest cost. Medicare Supplemental plans offer a way to add to your Original Medicare to close the gap in coverages.

Private carriers will offer these supplemental plans at a low monthly premium to allow you better benefits that Original Medicare doesn’t cover.

Massachusetts residents who choose a Medigap plan will typically also get a Part D prescription drug plan to cover their medication at a low cost.

Medicare Advantage plan is another option for supplemental healthcare. This plan allows for emergency coverage in Massachusetts and outside the state. They also provide dental, hearing, and vision which Original Medicare does not cover.

Massachusetts Medicare Resources

Massachusetts residents have different ways to get information about their Medicare coverage. The Massachusetts Senior Health Insurance Information Program (MSHIIP).

If you want to find out about your eligibility for Medicaid benefits, you can contact the Massachusetts Department of Health website.

If you are looking to enroll in a supplemental plan, contact us directly to help you further.

Cities in Massachusetts with Estimated Premiums for Medicare Supplement Coverage

Medicare Supplement coverage can be a big boost but it’s also important to have an idea of what it might cost. Here are some charts for the below cities:


What is the average cost for Medicare in Massachusetts?

The average premium in Massachusetts is $102.37, and the average deductible for Plan D coverage is $283.18.

Is Medicare free at 65?

If you are 65 years old and have started getting your Social Security benefits, you can get Part A of Medicare for free. However, if you choose to defer Social Security until a later age, you will have to continue paying the premium.

If you are looking for premium-free coverage at age 65, you or your spouse must have 10 years of paying Medicare taxes or suffer from a disability.

What is the difference between Medicare and Medicaid in Massachusetts?

One similarity between the two programs is that the government funds both health plans for Massachusetts residents. Who receives coverage under either plan is what makes them different.

Medicaid is based mainly on income and is typically to help lower-income families, children, women, and people with disabilities.

Medicare is for older people starting at 62. There is an option for premium-free coverage, but it depends on if you are drawing Social Security benefits and what your work history includes.

How to Sign Up for Supplemental Medicare in Massachusetts

There is plenty to consider when you are looking at Medicare coverage. But you’re not in it alone, we are here to help.

Our licensed insurance agents offer their services free of charge to help you compare all the plans and find the best one for you. We work with all carriers and are looking out for your best interest.

You can give us a call or fill out our online form to receive a quote for the best rate for your area in Massachusetts.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for 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.