The best Medicare Supplement insurance plans in Massachusetts can help beneficiaries fill in the coverage gaps left by Original Medicare insurance. Some examples include the coinsurance, deductibles, and copays included in Original Medicare insurance. So if you’re about to be enrolled in Medicare Part A and Part B or dissatisfied with current coverage, take a moment to learn about this common way to enhance Massachusetts Medicare coverage.
Understanding Medicare Supplement Plans in Massachusetts
In most states, people can choose between 10 Medicare Supplement insurance plans. For example, Medigap Plan F is the most popular plan in most states. Still, Medicare beneficiaries can typically choose plans like Medigap Plan G or Medigap Plan N when signing up for Supplemental health insurance.
Massachusetts also has standardized Medigap plans but only offer two, so there are not as many plan options. Massachusetts’s two Medicare Supplement plans are called the Core Plan and Supplement 1.
All Medigap policies help cover Original Medicare’s deductibles, coinsurance, and copayments. The Core Medigap plan and Supplement 1 in Massachusetts offer the same basic benefits, including Part A Coinsurance, Part B Coinsurance, and three pints of blood each year.
To choose the best Medicare Supplement plan in Massachusetts, it’s also important to know about the extra coverage offered by Supplement 1. By selecting these upgraded Medicare Supplement insurance plans in Massachusetts, a Medicare recipient also gets coverage for:
- The Part A and B deductible
- Part A nursing facility coinsurance
- Foreign travel emergency care, extra days of mental health care, and state-mandated benefits
Naturally, Medigap plans in Massachusetts with more coverage will charge higher premiums. However, since Medicare insurance companies set their rates, it’s also important to compare premiums from various insurers.
These tips can help people shop for the best Medicare Supplement plan in Massachusetts:
- The benefits for the standard supplement will be the same for any standardized Medicare Supplement insurance plans in Massachusetts. In other words, the Core Plan in Massachusetts will be the same from any insurance company.
- Besides the rates, insurers may also offer member discount plans that make it easier to afford such services as dental and vision care. Some companies may also offer household discounts to make them attractive to spouses or other family groups.
When comparing Massachusetts Medicare Supplement plans, it’s important to note that they won’t cover most prescriptions. Even the best Medicare Supplement insurance plan in Massachusetts will only help pay for medicine in limited circumstances. They were modeled after Original Medicare, and that’s what it does. It’s also a good idea to compare the rates and benefits of Medicare Part D drug coverage.
If you don’t think that one of the Medicare Supplement plans is right for you, you can also check out Medicare Advantage plans.
When Can I Enroll in a Medicare Supplement Plan in Massachusetts
To ensure enrollment in Massachusetts’s best Medicare Supplement plans, it’s important to time enrollment well. These are some examples:
- Initial Enrollment Period: Everybody gets an Initial Enrollment Period when they first qualify for Part A and B at age 65. During this time, a Medicare insurance company cannot charge higher rates or decline applications because of health issues. People who have group coverage from a job may also be able to delay enrollment and their Medigap Open Enrollment Period.
- Medigap Open Enrollment Period: In addition to this first Medigap Open Enrollment Period, beneficiaries can qualify for a Special Enrollment Period because of certain life events. These may include losing job-related health plans, moving away from the old plan’s service area, etc.
At other times, a beneficiary can still apply for Medigap policies. However, the insurance company could decline or charge them higher rates because of health, so it’s not a sure thing. That’s why most people try to apply for the best Medicare supplement insurance plan in Massachusetts when they can enjoy guaranteed enrollment.
When you’re going through choosing and signing up for a Supplement that will help with hospital deductibles, care in mental health hospitals, care in a skilled nursing facility, inpatient hospital costs, and more, you can also look into prescription drug plans.
Medicare Part A, Medicare Part B, and the Medicare Supplement plans do not include prescription drug coverage. However, you can buy a plan through a company like Blue Cross Blue Shield to have prescription drug coverage throughout the calendar year.
Massachusetts Medigap Resources
These important resources can help many Massachusetts residents in Worcester and beyond who are enrolled in Medicare Part A and Part B:
- Prescription Extra Help
- Massachusetts Programs for Seniors
- CMS: Centers for Medicare and Medicaid Services
We also have licensed insurance agents who are familiar with how Medicare works in Massachusetts. If you want to compare plans and find the plan with a monthly premium that fits your budget, we can help. Check out our phone number here on our site and give us a call today. If you do, we can share helpful information about the Medicare plans available for Massachusetts residents, including Supplement plans and Medicare Part C.
Ready to learn more?
My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.