Best Medicare Supplement Plans in Massachusetts for 2019

As someone who relies on Medicare as a way of covering your healthcare needs and expenses, you’re probably always looking for ways to get more out of the program. For one thing, if you haven’t yet signed up for a Medicare Supplement plan, it’s time to do so. After learning a little more about the best Medicare Supplement plans in Massachusetts for 2019, you’ll probably see why signing up for one of these plan options is ideal when it comes to your Medicare Coverage.

Best Medicare Supplement Plans in Massachusetts for 2019: Overview

If you are wondering why you should think about signing up for a Medicare Supplement health plan, you should know that many seniors find that Medicare alone is not enough to help them keep their out-of-pocket expenses for healthcare under control.

You might know others who have the best Medicare Supplement plans in Massachusetts, and you might have heard good things about them overall. However, you might not really understand what these plans are and how they work. A few basic things that you will want to know about Medicare Supplement insurance plans in Massachusetts have been listed here:

  • You must be enrolled in both Medicare Part A and Medicare Part B to qualify.
  • Unlike with Medicare Advantage coverage, you will still have Medicare and all of the Medicare benefits. You will just have one of the Medicare Supplement plans in Massachusetts for 2019 in addition to Medicare.
  • Rates do vary from insurance company to insurance company, so it pays to shop around. Additionally, you’ll want to look for an insurance company that offers reliable coverage in addition to reasonable rates.
  • Rates are charged in a few different ways. Some companies offer community-rated or no-age-rated policies, which means that everyone pays the same amount. Issue-age-rated policies charge your monthly premium based off of your age when you sign up, and attained-age-rated policies charge one rate when you’re younger but go up as you get older.
  • The best Medicare Supplement plan in Massachusetts for 2019 for one person might not be the best plan in Massachusetts for you.
  • If you’re enrolled in Medicare Part A and Part B, you can compare Medigap plans to decide on the one that best suits your healthcare needs and budget.
  • Although a lot of expenses are covered by Medigap plans in Massachusetts, you may still have some out-of-pocket costs.

Benefits of Medicare Supplement Plans In Massachusetts for 2019:

  • Foreign travel
  • Skilled nursing facilities
  • Home health care
  • Medicare Part A and B deductibles
  • Part B excess charges
  • Original Medicare coinsurance costs
  • Copayments and deductibles for preventive care and other care
  • DOES NOT Cover stand-alone part D plans

In addition to being curious about what is covered, you could be wondering about the plan that you should sign up for. Since there are only two options in Massachusetts, unlike in many states, making the choice is easy. Compare plans and rates to choose the health insurance option that is right for you.

Of course, there are some things that are not usually covered, such as hearing aids, vision, dental and long-term care. If you want help with prescription drug costs, you’ll want to sign up for one of the Medicare Part D drug plans. A prescription drug plan combined with Medicare and a Medicare Supplement can go a long way in helping with your healthcare, though. Note: Certain PPO & HMO Medicare Advantage plans, also known as Medicare Part C, may include Prescription Drug Coverage.

Best Medicare Supplement Plans in Massachusetts: Enrollment Statistics

Whether you live in one of these counties, which are the five largest counties in Massachusetts, or if you live in another county in The Bay State, choosing the best Medicare Supplement plan in Massachusetts that you can find and afford is sure to help you out.

  • Middlesex
  • Worcester
  • Essex
  • Suffolk
  • Norfolk

A few interesting numbers about Medicare and Massachusetts residents:

  • As of 2017, there were more than 973,000 people in Massachusetts enrolled in Medicare.
  • Of those approximately 973,000 people, more than 292,000 had Medicare Supplement plans. That means that around 30 percent of Medicare recipients in the state had Medigap coverage.

How Many Medicare Supplement Plans are in Massachusetts for 2019?

Although most states offer 10 different Medigap policies for their residents to choose from, this is not the case in Massachusetts. Instead, Medicare recipients can choose from these two options to Supplement Original Medicare. These additional benefit options all have to be purchased from a Medicare insurance company.

  • Core Plan
  • Supplement 1 Plan

Top Companies offering Medigap plans in MA:

Best Medicare Supplement Plans in Massachusetts: When Can I Enroll in 2019?

If you are sold on the idea of signing up for one of the Medicare Supplement insurance plans in Massachusetts, you could be wondering when you can enroll. These are a few things that you should know about signing up for Medicare Supplement plans in Massachusetts for 2019:

  • The best time to sign up for a Medigap plan is during your Initial Enrollment Period or Medigap Open Enrollment Period. You will have six months after the first day that you are both 65 years old and one of the beneficiaries of Medicare Part B. One of the benefits of signing up during this period is that it can help you ensure you get reasonable rates and can prevent you from being turned down for coverage due to pre-existing conditions.
  • Even though your Initial Enrollment Period is the best time to become a beneficiary of a Medigap plan, it is not your only option. You can sign up for Medigap plans during other times, too, but your rates might be higher.

The benefits of paying affordable premiums for one of these plans are many, so don’t hesitate to sign up when you can, preferably during your Initial Enrollment Period.

Massachusetts Medicare Resources

If you’re looking for more information about Original Medicare, Medigap or anything else related to your healthcare, try these helpful resources: