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Find The Best Medicare Plans in Massachusetts

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Best Medicare Plans in Massachusetts

You’re eligible to sign up for some of the best Medicare plans in Massachusetts when you turn 65 or qualify due to disability. Your Initial Medicare Enrollment Period for Original Medicare insurance starts three months before your 65th birthday and closes three months after your birthday. There are two parts to Original Medicare:

  • Medicare Part A offers hospital coverage with limited benefits for skilled nursing facilities and hospice. There are no premiums for this part of Medicare in Massachusetts. You pay for the included benefits from your paychecks before you turn 65 and retire.
  • Medicare Part B pays for your everyday healthcare expenses and requires a premium. You use this insurance when you see your primary care physician or a specialist. It may also cover diagnostic testing, lab work and some medical equipment.

Most Massachusetts beneficiaries sign up for Original Medicare when they turn 65. You may delay enrollment in Part B if you or your spouse have suitable health insurance through an employer at that time. You will have the opportunity to sign up for part B once you retire.

Medicare beneficiaries in Massachusetts can sign up for alternative plan options once they’re enrolled in Original Medicare Part A and Part B. This helps cover copays, coinsurance and deductibles that aren’t covered by stand-alone Medicare coverage. You can save on your health care by signing up for Medicare Advantage or one of the Medigap plans that are available.

Selecting the best Medicare plans in Massachusetts for your personal needs is less confusing when you understand how the system works. Reading a complete description of benefits of each type of plan will help. When you learn how to compare plans and rates online, you give yourself the power to make the most of Medicare in Massachusetts.

Enrollment Statistics for Medicare in Massachusetts

  • In 2018, there were more than 1.3 million Medicare beneficiaries in Massachusetts.
  • More than 300,000 Massachusetts Medicare beneficiaries were enrolled in Medicare Advantage or other special plans in 2018.
  • According to data from 2016, more than 80 percent of Massachusetts beneficiaries are enrolled due to age. Fewer than 20 percent enroll due to disability.

Best Types of Medicare Plans in Massachusetts

Original Medicare insurance is just the beginning when exploring Medicare in Massachusetts. You start with Medicare Part A and then decide which of the following options best fits your current and future healthcare needs:

  • Medicare Advantage Plans in Massachusetts – To enroll in an Advantage plan, sign up for Medicare Part C. These plans are designed to take the place of Original Medicare and can include extended benefits that aren’t offered through Medicare Parts A and B. You pay monthly premiums and have one insurance policy that covers all of your needs. An Advantage plan may offer vision, dental and hearing benefits, and some include health and wellness benefits that allow you to stay active and healthy in your later years. Many of these health plans are HMO plans, which will require you to see health care providers in a certain network.
  • Medicare Supplement Plans in Massachusetts – Supplemental Medicare plans in Massachusetts are designed to cover the out-of-pocket expenses left by Original Medicare insurance. Your Original Medicare policy serves as the primary payment source when you seek medical care, and then Medigap/Medicare Supplement insurance plans pick up remaining expenses. Those remaining expenses may include deductibles, copayments, coinsurance and doctor overage charges that aren’t paid for by your Medicare coverage.
  • Medicare Prescription Drug Plans – You’re eligible to sign up for Medicare Part D once you enroll in Original Medicare in Massachusetts. Your drug plan will come with an added premium, but you might not need a Part D policy if you enroll in a Medicare Advantage plan. Medicare Supplement plans don’t include prescription drug coverage so you will need Part D if you go with a Supplemental plan. There is a Medicare Part D late enrollment penalty so you can save yourself some money by enrolling in Part D when you enroll in Part A and Part B.
  • Special Needs Medicare Plans – Medicare beneficiaries in Massachusetts have the option of signing up for condition-specific policies. Plans come with qualifications and are only offered to select medical conditions.

Each Massachusetts Medicare beneficiary must compare rates and plan coverage before selecting the best Medicare policies. Premiums vary by insurance company. You should also keep in mind that you will still have to pay the Medicare Part B premium in addition to the monthly premium for any Medicare program you might sign up for.

Massachusetts Medicare Resources

If you want to save even more money throughout the calendar year, it’s smart to talk to one of our experienced insurance agents about your Medicare options. We’ll help you pick a plan that is right for you, and we’ll give you quotes and information from top Medicare Supplement insurance companies with top star ratings. In no time, you can enroll in a plan that will help you save a lot while still getting the healthcare that you need.

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