Boomer Benefits currently does not offer plans in the state of Massachusetts.
Massachusetts Medicare plans offer a variety of coverage levels to fit anyone’s needs and budget. From Medigap plans to Medicare Advantage plans, there is something for everyone. Massachusetts currently offers all Medigap plans as well as over 50 Medicare Advantage plans.
Massachusetts also offers its Medicare beneficiaries several Part D plan options. These three types of plans, Medigap, Medicare Advantage, and Part D, are all sold by private insurance carriers in Massachusetts. While Boomer Benefits isn’t currently licensed in this state, Massachusetts Medicare beneficiaries should be able to find a plan that meets their needs.
Medigap plans in Massachusetts
Massachusetts is unique in the way that its Medigap plans aren’t like most other states. Instead of having the standard Medigap Plans, such as Plan G and Plan N, Massachusetts has a Core Plan and a Supplement 1 Plan.
Both plans cover basic benefits, such as inpatient hospital care (Part A coinsurance), medical costs (Part B coinsurance), blood, and hospice. In addition to these basics benefits, the Core plan also covers 60 days per year in an inpatient mental hospital, and preventive care, such as annual pap tests and other state-mandated benefits.
The Supplement 1 Plan includes everything mentioned above as well as your Part A deductible, skilled nursing facility coinsurance, Part B deductible, foreign travel emergencies, and 60 extra days for inpatient mental facilities (120 days total). However, if you enrolled in this plan on or after 1/1/2020, then your plan won’t cover the Part B deductible.
Medicare Advantage plans in Massachusetts
Medicare Advantage plans and Medigap plans greatly vary from one another. For example, Medigap plans cover cost-sharing expenses after Part A and Part B pay their share, whereas Medicare Advantage plans have their own cost-sharing expenses and pay instead of Part A and Part B. As far as which type of plan is more cost-effective depends on the beneficiary’s budget and needs.
Medicare Advantage plans in Massachusetts work like they do in other states. The coverage and costs of the plans depend on the carriers that sell them. Under a Medicare Advantage plan, beneficiaries can usually expect copays, such as $20 for a primary care physician visit, as well as coinsurance costs for medical services.
Medicare Advantage plans also include some benefits that Medigap plans don’t. Most Medicare Advantage plans include a Part D plan as well as dental, vision, and hearing benefits.
Medicare Part D
Beneficiaries who elect to get their coverage through a Medigap plan should remember they will also need a stand-alone Part D plan for drug coverage. Even if a beneficiary doesn’t take any medications, we recommend he or she at least enroll in one of the least expensive premium plans in their area. With the variety of Medicare plan options in Massachusetts, residents are sure to be able to find plans they can be happy with.
Common Questions About Massachusetts Medicare:
Below are some frequently asked questions about Medicare Supplements in Massachusetts.
They can be. Massachusetts is known for having some of the highest premiums for Medicare Supplement plans. However, rates vary by person and zip code.
Massachusetts has unique Medigap plans. Instead of the lettered plans, like Plan F and Plan G, Massachusetts has a Core Plan and a Supplement 1 plan that cover state-mandated benefits as well as some other benefits.
Yes. Medigap plans do not cover your prescription drugs covered under Part D, so you’ll need a stand-alone Part D plan.