In Lowell, around 54% of Medicare recipients are female, and the remaining 46% are male. But 100% of them need to make sure that their Massachusetts Supplemental Medicare plans meet their basic healthcare needs.

Supplemental Medicare Plans in Lowell, Massachusetts

If you don’t supplement your Medicare in Massachusetts accordingly, it can get very expensive. And since most beneficiaries in Lowell are around 71 years of age, most of those costs are probably going to be covered by your savings. But who wants to spend their hard-earned money on massive healthcare bills?

Average Medicare Advantage Plans in Lowell, Massachusetts

In Middlesex County, Medicare recipients have 40 different Massachusetts Part C plans to choose from. That’s a fair amount of options considering that only 33% of residents are currently signed up for Medicare Advantage.

Your average Medicare Advantage plan in Massachusetts is an HMO. This means you are limited to in-network hospitals, facilities, and doctors. But it also means your plan will be more affordable.

Wellcare is a good example of this, with a $0 monthly premium, and a less expensive $6,500 maximum out-of-pocket cost.

Another local HMO Medicare Advantage plan is from Tufts. It has a much higher out-of-pocket cost maximum of $7,550. But it also has a four-star customer rating.

Local PPO plans aren’t the most common, but they are the most attractive for beneficiaries who want more choice when it comes to their doctors and facilities.UnitedHealthcare and BCBS of Massachusetts are virtually identical if all you’re comparing are costs. But BCBS does have a higher customer service rating, so that’s a plus for them.

PLAN PREMIUM MAP Plan Type Star Rating
BCBS of Massachusetts $0 $6,700 LOCAL PPO 4
Tufts $0 $7,550 HMO 4
Wellcare $0 $6,500 HMO N/A
UnitedHealthcare $0 $6,700 LOCAL PPO 3
Fallon Health $0 $7,550 HMO 4

Cheapest Medicare Supplement Plans in Lowell, Massachusetts

Medigap policies serve the same purpose everywhere — to plug the gaps in your Original Medicare in Massachusetts. But the plans are structured a little differently. Depending on your eligibility enrollment date, you only have two to three different options which could each save you money in the long run.

The Massachusetts Medigap Core Plan is the simplest and most bare-bones supplement plan available in the state. There isn’t much variation in rates from company to company, but it still helps to shop around. If you purchase a policy from a company offering the highest premium in the chart down below (instead of shopping around and finding the lowest rate) you could end up paying an extra $1,082.52 per year!

The Medigap Supplement 1A Plan offers many more benefits, so more people want to purchase it. This leads to more competitive pricing from companies that wants your business. If you’re looking for a Supplement 1A Plan, it’s even more important to shop around so that you don’t end up paying more than double what the plan is worth according to the quotes in the chart below.

Supplement 1 is another plan with a lot of price variation. But not everybody is eligible to purchase Supplement 1. Beneficiaries who were eligible to enroll in Medicare before January 1, 2020, can still purchase it if they wish; otherwise, they have to choose between the Core Plan and the Supplement 1A Plan.

PLAN LOWEST PREMIUM HIGHEST PREMIUM
CORE $113.58 $203.79
SUPPLEMENT 1 $205.70 $329.84
SUPPLEMENT 1A $165.75 $319.54

Affordable Medicare Part D in Lowell, Massachusetts

You want your prescription drug plan to be as affordable as possible — especially if you require life-saving drugs in order to extend and improve your life. For those who stick with Original Medicare, the Part D prescription drug plan in Massachusetts is fairly simple: you pay a low monthly premium, you pay for your prescriptions out of pocket until you hit your deductible, and after that, you can get your prescriptions for pennies on the dollar depending on your formulary.

Between Aetna and Wellcare, the more affordable plan is clearly from Aetna. Otherwise, they have identical deductibles and customer service ratings. Just make sure to read the formulary for each plan to make sure the drugs you need are covered.

Between Humana and Unitedhealthcare, believe it or not, Unitedhealthcare has the fewest upfront annual costs compared to Humana. It may have a more expensive monthly premium, but the lower deductible means that the combined cost will be more affordable in the long run.

Cigna is the most expensive prescription drug plan with the highest monthly premium and deductible. They have a three-star customer rating, which is above average. So what’s the appeal of the least affordable plan? Their formulary may have the drugs you need which aren’t offered by other companies, so be sure to read the fine print.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.40 $480 3
Wellcare $13.00 $480 3
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4
Cigna $32.10 $480 3

Medicare Special Needs Plans in Lowell, Massachusetts

Your health care can get prohibitively expensive if you suffer from an ailment that is chronic and disabling. If your particular ailment is both, you can qualify for a Medicare Advantage Special Needs Plan (SNP). These $0 monthly premium plans help to make your care as affordable as possible and help you get care from the experts you need.

In truth, there isn’t a whole lot of variety between special needs plans in Lowell, Massachusetts. Tufts Health offers the lowest maximum out-of-pocket cost at $3,450. The rest of the plans have identical MOOPs, $0 monthly premiums, and dual eligibility requirements.

One detail you might want to look at when you’re trying to decide between plans like Fallon Health or Senior Whole, for example, is which doctors and facilities are in their HMO networks. These networks are carefully curated based on balancing cost with getting you access to the caregivers who specialize in your particular disability.

While value is important, you should also make sure you sign up for a plan that gives you access to the doctors, facilities, and services you need most.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO Dual
Fallon Health $0 $7,550 HMO Dual
Commoncare $0 $7,550 HMO Dual
Senior Whole $0 $7,550 HMO Dual
Tufts Health $0 $3,450 HMO Dual

FAQs

What does the Medigap Core Plan offer Lowell, Massachusetts residents?

Basic benefits include Part A coinsurance, 365 days of inpatient hospital days after Medicare benefits are expended, Part B coinsurance, part a hospice coinsurance and co-payments, and your first 3 pints of blood. Additionally, beneficiaries get 60 days of mental health inpatient treatment and state-mandated benefits.

What does the Supplement 1A Plan offer Medicare beneficiaries in Lowell, Massachusetts

In addition to the basic benefits, you get double as many inpatient mental health days as the core plan. It pays for your Part A inpatient hospital deductible, your Part A skilled nursing facility coinsurance, and includes foreign travel coverage.

How do I know if I’m eligible for the supplement 1 plan in Lowell, Massachusetts?

If you enroll in Medicare or you became eligible to enroll in Medicare before January 1, 2020, you can sign up for a Supplement 1 Plan. This is an attractive option for beneficiaries because, in addition to all of the benefits of the Supplement 1A Plan, it also covers your Medicare Part B deductible.

How to Sign Up for Supplemental Medicare in Lowell, Massachusetts

Most Medicare beneficiaries find out that the cost of their supplement insurance policy is significantly cheaper than what they would have paid for the gaps in their Medicare coverage out of pocket.

Our licensed insurance agents can help you find the best Supplemental Medicare plans in Lowell, Massachusetts while answering any of your questions.

So give them a call today for this free service. Or fill out our online rate form to receive the best rates in the 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.