Roughly 1,023,770 people take part in Massachusetts Medicare Part D plans every year. There are 723,023 people enrolled in the prescription drug plan and 303,717 people enrolled in the Medicare Advantage Prescription Drug Plan.

Massachusetts Part D Plans for 2022

Medicare has four parts, A-D. This article will walk you through the benefits you receive by enrolling in a Massachusetts Medicare Part D prescription drug plan.

Part D Plans with the Lowest Premium in Massachusetts

If you’re looking for a low premium plan, you have many options to choose from.

Aetna offers one of the cheapest Part D plans in Massachusetts. It comes with a low monthly premium of $7.40. The plan also has a deductible of $480. However, it’s important to note that Aetna does not provide gap coverage with this plan.

Wellcare is another carrier that has a low monthly premium plan costing only $13 per month. It also comes with a $480 deductible. However, the plan only has a 3-star rating.

Humana also offers a lower premium plan that costs $22.70 per month. This plan has a 4-star rating.

Aetna $7.40 $480 3 No
Wellcare $13.00 $480 3 No
Humana $22.70 $480 4 No
Unitedhealthcare $29.30 $310 4 Yes
Cigna $32.10 $480 3 No

Part D Plans with a Zero-Dollar Deductible in Massachusetts

Many beneficiaries look for a Part D policy that has a zero deductible. However, these plans will naturally come with a higher monthly premium.

Blue MedicareRx has the highest monthly premium of $136.20. It has a 4-star rating and also comes with gap coverage.

Aetna is the next cheapest Medicare Part D plan, with a monthly cost of $72.50. Unfortunately, it only has a 3-star rating but does include gap coverage.

Wellcare is the cheapest Massachusetts Medicare Part D plan with a zero-dollar deductible. The monthly premium is $69. This plan does not include gap coverage.

Wellcare $69.00 $0 3 No
Aetna $72.50 $0 3 Yes
Unitedhealthcare $101.00 $0 3 Yes
Blue MedicareRx $136.20 $0 4 Yes

Part D Plans with Gap Coverage in Massachusetts

Gap coverage refers to an insurance provider collaborating with another insurance company to cover additional costs.

In Massachusetts, Aetna’s gap coverage plan has a higher monthly premium of $72.50. Despite the higher cost, it’s one of the most popular plans due to it having no annual deductible.

UnitedHealthcare is one of Massachusetts’s best health insurance providers for gap coverage. They offer a plan that comes with a monthly premium of $101 and has no annual deductible. UHC also offers a plan that only costs $29.30 per month. However, in exchange for a lower monthly premium, you have a higher annual deductible of $310.

At $55.60 per month, Cigna also has one of the lowest premium plans that include gap coverage in Massachusetts. This plan does come with a $100 annual deductible.

Unitedhealthcare $29.30 $310 4 Yes
Cigna $55.60 $100 3 Yes
Aetna $72.50 $0 3 Yes
Unitedhealthcare $101.00 $0 3 Yes
Blue Medicarerx $136.20 $0 4 Yes

Part D Plans with a Low-Income Subsidy in Massachusetts

Low-income subsidy plans are great for beneficiaries as they help make prescriptions more affordable. Over 322,519 Massachusetts residents are eligible for Part D coverage. There are many significant low-income subsidy Medicare Part D plans for residents of Massachusetts available.

UnitedHealthcare is the only 4-star rating on the list of providers in the chart below. It has a monthly premium of $35 and a $480 annual deductible.

At $36.10, Elixir has the most expensive monthly premium. However, in exchange for a few dollars more a month you may find better prescription drug coverage.

Wellcare offers one of the cheapest monthly premium plans at only $33.50 per month. It does come with an annual deductible of $480. Like all the other plans, it does not include gap coverage.

Wellcare $33.50 $480 3 No
Cigna $33.50 $480 3 No
Aetna $33.60 $480 3 No
Unitedhealthcare $35.00 $480 4 No
Elixir $36.10 $480 3 No

Amount of Beneficiaries that Fall into each Part D Coverage Phase in Massachusetts

Medicare Part D insurance has four essential phases: deductible, initial coverage, coverage gap (donut hole), and catastrophic.

There are over 271,763 qualifiers in the deductible phase, 333,958 in initial coverage, 101,999 in the coverage gap, and 89,401 in catastrophic. Over 1 million Massachusetts residents are enrolled in a Part D Medicare plan.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
271,763 333,958 101,999 89.401

Massachusetts Cities with Medicare Supplement Coverage Estimated Premiums

Medicare Supplement plans can close the gaps in your coverage but it’s also important to have an idea of what one could cost. Below are charts for the following cities:


How do Medicare and Masshealth work together?

If you met the eligibility requirements for Masshealth, then you’re considered dual-eligible for Medicare & Medicaid. MassHealth will cover your Medicare premiums and some out-of-pocket costs.

The One Care plan allows you to get Masshealth and Medicare benefits together. One Care will help you to get benefits that you wouldn’t by having the plans separately. One Care will allow you to have everything on one so that you have one card and one plan.

What happens to my MassHealth when I turn 65?

The income limit decreases when you turn 65. Some find that once they turn 65, their income limit is above the threshold, thus, making them no longer eligible for MassHealth.

Can you buy Medicare Part D by itself in Massachusetts?

No, you must enroll in Part A and/or Part B to be eligible for Part D. You can get coverage in two ways: You can sign up for Medicare Advantage, which has both medical and drug coverage, or get a stand-alone Part D prescription drug plan.

How to Get Help Signing Up for a Medicare Part D Plan in Massachusetts

Looking for the best plan can be stressful, and we are here to help. We work with all carriers to make sure that you have the best Medicare Part D plan for you. We can find you the best rates in Massachusetts, and our services are completely free. Give us a call at the number above, or complete the online rate form to compare rates now.

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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.