Medicare Supplement Plans in Massachusetts

Medicare Supplement plans in Massachusetts follow a different structure than you will see in most states. Rather than offering ten plans with letter designations, there are just two Medicare Supplement plans in Massachusetts. They are known as the “Core Plan" and "Supplement 1 Plan".

There was once a Supplement 2 that included prescription medication coverage, but Medicare Supplement plans are no longer allowed to have coverage for medication. Therefore, supplement two is no longer available to new applicants, but you can apply for prescription coverage through Medicare Part D.

Since there are fewer choices for Medicare Supplement plans in Massachusetts, you may find the system a little easier to understand. The federal government developed this system to help fill some of the “gaps” created by Original Medicare. It includes Medicare Parts A and Part B. This is why Medicare Supplement plans are often referred to as Medigap plans.

Core Plan

• The most basic and affordable Medicare Supplement plan. The Core Plan covers up to 60 days of treatment in a mental health hospital annually, the first three pints of blood each year, and state-mandated preventative treatments like mammograms and pelvic exams.

Supplement 1 Plan

• Supplement 1 Plan maximizes coverage by including your Part A and B deductibles, skilled nursing facility coinsurance, medical services received while in a foreign country, and up to 120 days of care in a mental health hospital each year.

How Much Does a Medicare Supplement Plan Cost in Massachusetts?

The monthly premium for your Medicare Supplement plan depends on several factors. Massachusetts state law requires insurance companies to use the community rating method for their Medigap policies. This means all members pay the same premium regardless of health or age.

When Should I Apply?

Massachusetts is different from most states regarding enrolling in a Medicare Supplement plan. While other states give insurance companies the right to deny coverage based on medical history during specific periods, the State of Massachusetts operates under the policy of continuous open enrollment for all Medigap plans. Therefore, you can apply for a Medicare Supplement plan in Massachusetts after signing up for Medicare Part B without worrying that the insurance company will deny you coverage due to your medical history or a pre-existing condition.

Can I Use My Massachusetts Plan in Other States?

Using your health insurance in any state is one of the main benefits of Medicare Supplement plans. You are never restricted to a network, so you can see any medical provider accepting Medicare as payment. Your Original Medicare will pay their portion of the bill first. Your Medicare Supplement plan in Massachusetts is designed to pick up the remaining out-of-pocket expenses.

You typically don’t have to change Medicare Supplement plans when moving to a new state. However, Massachusetts is a bit different. Because Massachusetts has a unique plan design, you’ll need to switch to a new plan based on the state you move to. However, you may find that your new state offers a plan with an outline of coverage similar to your Medicare Supplement plan in Massachusetts.

How Do I Apply?

If you’re still confused about the Medicare Supplement plans in Massachusetts, you’re not alone. You can call our Medicare Specialists at any time for customized Help. We can even help you apply for your coverage over the phone. These Medicare Supplement plans are designed to save you money and ensure that you receive high-quality healthcare. So don’t delay starting your coverage.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.