Close close icon

Massachusetts Medicare Supplement Plans

Medicare Supplement plans in Massachusetts are slightly different than Medigap plans in other parts of the nation. Yet, people in all states benefit from some supplemental plan. Medicare doesn’t cover in full, and beneficiaries don’t want to pay tens of thousands of dollars in coinsurance. So, the best way to ensure protection is to enroll in Medigap. Massachusetts is one of three states that has unique Medigap plans. These plans include the CORE Plan, Supplement1, and the new 1A Plan.

Massachusetts Medicare Supplement Plans in 2022

Supplemental plans in Massachusetts have different names than the traditional options in other states. Also, doctors can’t request Part B excess charges.

There are three plans available:

  1. CORE Plan
  2. Supplement1 Plan
  3. 1A Plan
Listen to this Podcast Episode Now! Listen to this Podcast Episode Now!


Coverage includes Part A hospital coinsurance and extends an additional 365 days past Medicare.

It also covers the Part B coinsurance. Each calendar year coverage includes your first 3 pints of blood as well as 60 days of inpatient care at a mental health hospital.

The CORE policy offers basic benefits, much like Plan A.

Supplement1 Plan

Supplement1 plan includes everything in the CORE Plan; but, it covers the Part A deductible and the skilled nursing facility coinsurance.

Further, the plan covers the Part B deductible. Also, this includes 120 days of inpatient care at a mental health hospital.

Supplement1 Plan has the benefit of emergency foreign travel care. The policy is first-dollar coverage.

Beneficiaries with this plan will pay little to no out of pocket costs. It’s basically Plan C since excess charges are forbidden.

MACRA will no longer allow Medigap plans to cover the Part B deductible. First dollar coverage won’t be available for newer beneficiaries.

1A Plan

The new 1A Plan is equivalent to the standard Plan G. It will cover everything minus the Part B deductible.

Meaning, once your deductible is met, the 1A plan will cover 100% of your medical costs after Medicare pays its portion.

Massachusetts Medicare Supplement Plan Comparison Chart

Massachusetts Medigap Plan Outline of Coverage

During the 6-month Open Enrollment Period is the best time to obtain Medigap. It begins the 1st day of the month in which you turn 65 and have Part B.

The benefit of enrolling during this time is that the insurance carriers cannot deny you. Those with pre-existing medical conditions should sign up as soon as possible.

Failing to do so can result in higher premiums or even denial of coverage due to medical issues.

Massachusetts Medigap Annual Open Enrollment Period

The good news is, if you missed your 6-month OEP, residents in Massachusetts have a yearly opportunity to enroll in Medigap with guaranteed issue. This is a special rule that is only available in Massachusetts. The open enrollment window runs from February 1st to March 31st every year. 

Medigap Premiums in Massachusetts

State laws require companies to community rate policies; all members pay the same amount, and premiums don’t reflect age.

The cost for Supplement1 Plan could be around $200 or more depending on the company you choose. Also, if you buy an additional rider, like dental, you’ll pay more.

If a “rider” isn’t an option, you can always buy a stand-alone dental plan.

Medicare Eligibility in Massachusetts for the Disabled under 65

Federal law doesn’t require carriers to offer Medigap; but, Massachusetts law requires insurers to offer at least one Medigap option to those under 65.

Generally, the plan available is the basic benefits option. For those under 65, you may find an Advantage plan more sensible; at least until you turn 65.

If you currently reside in Massachusetts and are disabled under 65, call today, and one of our agents can help.

What is the Best Medicare Supplement in Massachusetts?

The best Medigap plan is the one that will approve your application at a low-cost with a reputable company. If you’re new to Medicare, finding a plan is simple, you qualify for them all. Although there are other opportunities to avoid underwriting, eligibility to change plans depends on your situation.

Medicare Advantage Plans in Massachusetts

Medicare Advantage in Massachusetts

27% of Massachusetts beneficiaries chose a Medicare Advantage plan.

Advantage plans take over the coverage of Part A and B.

While Advantage plans have lower premiums. they come with restrictions. Restrictions including coverage limitations, cancellation restrictions, and network guidelines.

Beneficiaries with this coverage can change the policy only during the Annual Enrollment Period.

During the year, you’ll pay copayments and deductibles, similar to Medicare.

The policy has a list of doctors to follow, and referrals are usually a requirement when you want to see a specialist.

Before you decide to choose a Part C plan, consider comparing Medicare Advantage vs Medigap.

While Advantage plans can be beneficial for those that don’t qualify for Medigap or those that are eligible for Medicaid, Many will find Medigap coverage is much more comprehensive.

What is the Best Medicare Advantage Plan in Massachusetts?

Advantage plans vary in coverage across counties. Plus, the best Advantage plan for your neighbor might not be the most suitable for you.

Since Advantage plans have doctor networks, the “best plan” is the policy that makes the most sense for your situation. Further, you’ll want to ensure your medications have coverage through the plan.

Does Medicare Advantage work with Medigap in Massachusetts?

Part C plans will handle claims in place of Medicare. Since Medicare no longer handles the claims, the Medigap plan won’t cover services.

Enrollment in both Advantage and Medigap is forbidden in all states. It’s in your best interest to choose which option is most beneficial for your situation.

Massachusetts Prescription Drug Plans

Part D Plans in Massachusetts Part D covers prescriptions, and those that wait to enroll could incur a Part D late enrollment penalty.

The penalty starts after the seven months Initial Enrollment Period expires.

The length of time you go without coverage will determine the increase in monthly premiums.

Those that wait a long time will have a higher premium than those that don’t wait.

Part D can cost as low as $15 a month; but, a low premium isn’t always the most savings.

For beneficiaries that don’t take medication or have specific generics, the $15 policy could be fine.

Although, beneficiaries with specialty drugs, brand name medications, or certain generics could save money with a higher premium policy.

There are 21 Part D options available in Massachusetts.

The best plan for you will depend on which medications you take.


Who is eligible for Medicare in Massachusetts?
If you’re a Massachusetts resident 65 years of age or older, have been collecting SSDI for 24 months, or have ALS or ESRD, you’re eligible for Medicare.
How do I sign up for Medicare in Massachusetts?
You can sign up for Medicare in Massachusetts online, via telephone, or by visiting your local Social Security office.
Can I have MassHealth and Medicare?
MassHealth is Massachusetts’s Medicaid and CHIP program. Another state program called One Care offers both Medicare and MassHealth benefits together for eligible beneficiaries. One Care members have one card, one plan, and one care coordinator.
Do teachers in Massachusetts get Medicare?
The Massachusetts Teachers’ Retirement System covers teachers in participating districts. Through this system, retired teachers may enroll in group health insurance plans for which they pay premiums on an after-tax basis. If you’re a teacher and your district/employer doesn’t offer you this type of coverage after retirement, you should sign up for Medicare.

How to Apply for Medicare in Massachusetts

Applying for a Medigap policy is simple and can be done over the phone. When you consult our team of agents with industry knowledge you become educated on your options.

We don't sell you a plan, we guide you through your plan options so you can make the final choice. Having a supplement plan can save you tens of thousands of dollars during the year.

Call us today at the number above or fill out an online rate form to see the rates in your area now!

Enter Zipcode

Enter your zip code to pull plan options available in your area.

Compare Plans

Select which Medicare plans you would like to compare in your area.

Get Quote

Compare rates side by side with plans & carriers available in your area.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

8 thoughts on “Massachusetts Medicare Supplement Plans

  1. I live in Massachusetts and have had a medigap plan (Medex Core) for several years since I turned 65. Can I keep my Massachusetts medigap plan if I move to Florida? I have pre-existing conditions that may be an issue if I have to get a new “underwritten” medigap plan in Florida.

    1. Roy, you should be able to move to Florida with your current plan with no problems! All you would need to do is update your address with the carrier as there could be a rate difference.However, I would check with your carrier beforehand to double check.

  2. Dear Lindsay,

    I have coverage under my spouse’s retiree health plan from his employer. I will lose this when I divorce. What are my options for getting Medigap insurance? I live in MA. I am concerned about the enrollment period and if I can be guaranteed a policy because of the life changing event. I’m also confused about whether Medigap policies can provice Part D coverage. What resources should I look into to understand my situation? I began Medicare in September 2020. Thank you!

    1. Hi Simetria! Did you delay Part B since you had coverage through your spouse when you were first eligible? If so, you’ll be eligible for an 8-month SEP when you lose coverage to enroll in Part B without penalty. Once your Part B starts, your 6-month Medigap Open Enrollment Period will begin. During this time frame, you can enroll in a Medigap plan with guaranteed issue. Medigap plans do not cover prescription medications, you will need to enroll in a Part D plan for that. Essentially, you will need Part A, Part B, Medigap, & Part D to cover all your bases.

  3. What is the need for referrral for specialists/audiologists from PCP’s and the appeals process for the state of Massachusetts?

    1. Hi Lori. If you have a Medicare Advantage plan, the Advantage carrier will require you to get a referral from your PCP.


Your email address will not be published. Required fields are marked *