If you reside in Massachusetts, your Medigap option differs from the traditional Medicare model. You’ll have the opportunity to pick from three options, the Core, Supplement 1, and Supplement 1A plans.

Medigap insurance will help you avoid high medical expenses. Certain medical costs are covered by enrolling in one of these programs.

When you’re ready to start Medicare, choosing the proper supplement for your needs is critical. We’ll go through how Massachusetts Medicare Supplement plans work.

Massachusetts Medicare Supplement Plans

There are 335,911 Medigap Plan members in Massachusetts, accounting for approximately 31.9% of all Medicare participants.

Medicare Supplement Coverage Chart in Massachusetts

The federal government regulates Medicare Supplement plans, and Medigap plans from state to state have the same coverage.

This standardization is true in every other state outside Wisconsin, Minnesota, and Massachusetts. Regardless of where you live, your benefits will not change. We’ll demonstrate how Massachusetts’ plans work below.

Core Plan

  • Part A coinsurance begins after 60 days of inpatient care
  • Skilled Nursing Facilities
  • Hospice
  • First 3 pints of blood
  • Part B Coinsurance
  • 60 days a calendar year of inpatient days in mental health hospitals
  • Medicare Covered preventative care
  • State-mandated benefits

Doesn’t Cover

Supplement 1

  • Part A coinsurance begins after 60 days of inpatient care
  • Skilled Nursing Facilities
  • Part A: inpatient hospital deductible
  • Hospice
  • First 3 pints of blood
  • Part B Coinsurance
  • Medicare Covered preventative care
  • Part A: skilled nursing facility coinsurance
  • Foreign travel emergency benefit
  • Part B: deductible (if eligible for Medicare before January 1, 2020)
  • 120 days a calendar year of inpatient days in mental health hospitals
  • State-mandated benefits include yearly Pap tests and mammograms

Supplement 1A

  • Part A coinsurance begins after 60 days of inpatient care
  • Skilled Nursing Facilities
  • Hospice
  • First 3 pints of blood
  • Part B Coinsurance
  • Medicare Covered preventative care
  • Part A inpatient hospital deductible
  • Part A skilled nursing facility coinsurance
  • Foreign travel emergency benefit
  • 120 days a calendar year of inpatient days in mental health hospitals
  • State-mandated benefits include yearly Pap tests and mammograms

Medicare Supplement Costs in Massachusetts

The cost of Medicare Supplements varies considerably based on a variety of criteria. Your health, age, and geographical location may all impact your premium costs.

Open enrollment for Medicare Supplements isn’t a yearly occurrence. It’s a one-time enrollment. You’ll be able to select any plan with any carrier.

Most Popular Medicare Supplement Plans

Most beneficiaries in Massachusetts will enroll in the Supplement 1A plan. While it’s more expensive than the Core plan, its coverage is significantly more comprehensive.

Top Medicare Supplement Carriers in Massachusetts

In the next section, we’ll use a 65-year-old woman from New Bedford, Massachusetts, as our example. The majority of state carriers use community age rating systems.

Carriers Core Supp 1 Supp 1A
Blue Cross And Blue Shield Of Massachusetts $114 $228 $191
Harvard Pilgrim Health Care, Inc. $116 $217 $166
AARP Medicare Supplement Plans, Insured By Unitedhealthcare $121 $219 $170
Health New England, Inc. $126 $227 $185
Humana Insurance Company $162 $269 $260

Which Massachusetts Medigap Plan is Best for Me?

People have different needs, so finding the right Medicare Supplement for you might be challenging. All Medigap plans and carriers offer the same coverage.

Still, some people might prefer one company over another because that company offers better customer service or faster claims settlement.

It would help if you also thought about your long-term medical care needs. We can’t predict the future, but we can look at your family history to help us plan.

Being honest about how well you expect your health to be in the future is essential. Changes in insurance companies will depend on whether or not you can pass underwriting.

It’s crucial to find an excellent company to protect you. But you don’t want to spend too much money. Pick a well-known and stable company, and make sure the company provides excellent service to its clients.

Massachusetts Cities with Medicare Supplement Coverage Estimated Premiums

An idea of what estimated premiums you could face for Medicare Supplement coverage is helpful. Here are some charts for the following cities:

FAQs

Are Medicare Supplement plans expensive in Massachusetts?

Massachusetts’ Medigap plans start at about $121, but the prices vary depending on your selected supplement.

What’s the average cost for a Medicare Supplement Plan in Massachusetts?

The cost of a Medicare Supplement plan in Massachusetts varies according to your chosen plan. The average price for the Massachusetts Medigap options is:

  • Core = $128
  • Supplement 1 = $232
  • Supplement 1A = $195

What’s the most popular Medigap plan in Massachusetts?

The most popular Medigap plan in Massachusetts is Supplement 1A. It’s similar to a Plan G.

Can I get a Plan F in Massachusetts?

No, Massachusetts doesn’t have the standard Medigap Options. The Medicare Supplement 1 Plan is almost the same as the traditional plan F.

Is there a Massachusetts plan that’s similar to Plan N?

Supplement 1 is almost identical to Plan F, Supplement 1A is similar to Plan G, and the Core is like Plan A.

What’s the lowest Medicare Supplement premium in Massachusetts?

In Massachusetts, the lowest cost Medicare Supplement plan is $121

How to Get Help Signing Up for Medigap in Massachusetts?

From Boston to every other part of the state, Massachusetts Medigap plans have many options. So while the variety is impressive, you could probably still use a hand in picking the best plan for yourself. That’s exactly where we can help you!

Just a phone call away, our licensed insurance agents are available to share their unmatched knowledge of the different Medicare Supplemental plans and ensure you receive the one that works for you.

So give us a call today. Or fill out our convenient online rate form to be connected with the best rates in your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.