Beginner´s Guide: Massachusetts Medicare Advantage Plans

Beginner´s Guide: Massachusetts 2019 Medicare Advantage Plans


You might have already heard that Massachusetts has its own standardization when it comes to Medicare supplement plans. While in 47 other states the Medicare supplement plans are divided into: A, B, C, D, F, G, K, L, M and N, Massachusetts has it different. A plan A in Iowa will offer the same benefits as a plan A in Colorado, but in Massachusetts, a plan A as you know it won´t exist at all. It might have been confusing to get the supplement plans A to N to begin with. So, it might be confusing to find out that in Massachusetts, other rules apply that you need to know. However, if you are planning on moving to Massachusetts, we have all the information you need to know to help you make your decisions easier!


What is A Medicare Supplement Plan in Massachusetts?

Similar to the other states, a Medicare supplement plan is offered in addition to a Medicare Part A or B. It is extra coverage of costs that would otherwise not be covered by Medicare Part A or B and that the patient would need to pay for out of their own pocket. This includes costs, such as copayments, deductibles and coinsurance. Additionally, some Medicare supplement plans offer travel insurance, for those who are planning to leave the United States and want to make sure that they are insured wherever they may need health care services. Pap-tests and mammograms are benefits mandated by the state for preventive care and are also included in some of these Medicare supplement plans.

There are two types of Medicare supplement plans available and are divided into:

  • Core plans
  • Supplement plans

Core plans cover for basic benefits, while the supplement plans cover what the core plans already cover and additional benefits, such as part A deductibles.

When is The Best Time to Enroll?

If you are moving from another state to Massachusetts, the good news is that moving in an area that no longer offers the Medicare supplement plan you are enrolled to, will guarantee you issued-rights. This means, that you won´t be a subject of medical underwriting and the health insurance company will need to offer you a Medicare supplement plan without looking at your medical records and previous conditions. This is important, because otherwise your premium rate could be a lot higher and the health insurance company might even deny you enrollment, if they believe that your condition will lead them to higher costs than what you are able to cover with your monthly premium rate. If already a citizen of Massachusetts, the best time to enroll is during your open-enrollment period. A period of six months, starting the day when you turn 65. During this time, you have guaranteed issue rights as well, and the health insurance company cannot deny you enrollment. The rates that you will need to pay will also only be based on the area you live in and not on your health condition.


This Medicare Advantage Plan is becoming popular: Find out why!

This 2019 Medicare Advantage Plan is becoming popular: Find out why!

For those who still haven´t heard about it, the Medicare advantage plan F, which is currently the best seller and a favorite to most people, will soon no longer be available. This has been decided by Congress and starting January 2020, no new members will be able to enroll to this plan. The members that have already enrolled to this plan before the 1st of January, 2020 will be able to continue using its benefits. If your open enrollment period is after 2020 and you´ve been waiting to enroll to advantage plan F then, you now need to find another solution.

The advantage plan F is not the only one that is going away. Advantage plan C will no longer be available either. What these two have in common is that they both pay for the Medicare part B deductible, which is 183$ a year. It is exactly this cost that can no longer be covered by any private health insurance company, ever. Congress has passed this law as a way of preventing overuse of the health care system. Their belief is, that because everything is covered, people will visit health care provided even when it´s not necessary, such as for a paper cut or a cold. This leads to more costs for the health insurance companies, that are being covered by the premium rate. To be able to avoid this, the new law orders that everyone needs to pay at least one amount out of their own pockets. They believe, that by doing so, people will think twice before visiting the health care provided and really visit only when the professional health care is needed.

Not only do new members who were planning on enrolling to one of these plans to find a new solution. Members, who are already enrolled to the advantage plan F are also starting to worry. They think, that as no new members will be able to enroll, the prices for the premium rates will go high. If this happens or not, is yet to come!

However, in any case, you need to be introduced to this advantage plan, that is getting more and more popular: The Medicare advantage plan G! It is the best alternative to Medicare advantage plan F, as it covers all of the expenses that plan F does, apart for the Medicare advantage part B deductible. With plan G, all you´ll need to pay is the premium rate and the deductible 183$ annually.

Before choosing a plan, remember to compare between different health insurance companies. The premium rate cost can vary from company to company, so comparing can end up saving you a great amount of money! Also, remember that the best time to enroll to a Medicare advantage plan is during your open enrollment period, which is 6 months after the day you turn 65. After this period has passed, the premium rates can be very high and the health insurance company can even deny you enrollment.

Why Pick Independent Insurance Brokers?

Almost each one of us, at a particular point in our lives, will need to consider purchasing some sort of insurance cover, whether it’s health, Medigap, or life insurance. However, if for those who’re just starting with any of these, it can be quite tedious considering you’re required to go through have all the alternatives offered to you. Most seniors get overwhelmed with all these terms & walk away even more confused than ever. The good news is, you can find independent insurance contractors who can help you pick the right policy for your requirements.


Benefits of Choosing an Independent Insurance Agent:




Independent insurance contractors have the choice to suggest numerous insurance companies. A few even offer 2019 Medicare supplement plan G like




In terms of solving your specific issues and addressing your personal requirements, the independent broker can offer a lot of flexibility which you won’t be able to find with other popular competitors. In case you are not satisfied with your present policy, the representative will be able to shop around a new one for you.




Often times, you will find that the network of an independent broker is considerably larger as opposed to a big brand company. Dealing with a variety of insurance agencies allow them to increase their network, get more insight regarding the current plans and pass the same info to you.


Industry expertise


Independent brokers are likely to be just as knowledgeable as any of your popular insurance companies, at times even more so. One of the major reasons for this is each company which they are a representative of sends them exclusive newsletters as well as regular updates in regards to the present events & how they benefit the insurance company & the wallet of their clients (you). They are able to view the industry from the point of view of each of the insurance carriers.


Unbiased reviews


Whenever a person works with an independent representative, it is important for him/her to make sure that the broker provides them with an unbiased review or opinion in regards to the insurances which they’re selling. As the commissions are likely to remain the same all across the industry, a broker has nothing to lose or gain by suggesting you on a specific company. A reliable agent will be more than happy to match his/her customer requirements with the carrier that best suits their specified situation.

Discover the Critical Questions to Ask When Choosing a Medicare Supplement Plan

  1. Do I retain my rights to Medicare Part A & B?

The reason you want to ask this question is that although you have your rights to Medicare Part A and B, your choices about where to take advantage of them may be limited. For example, most Medicare Advantage plans have a network that you need to use to get your benefits; if you go out of the network, you can pay a much higher proportion of the bill, or not covered at all, unless it’s one emergency situation.

  1. Can I visit the same doctor or hospital?

Just as in the question above, if your favorite doctor or hospital is not on the Medicare Advantage Network, then you need to make a choice as to whether the plan is worth it or not. On the other hand, a Medicare supplement plan along with Original Medicare will not limit you to a network as long as the doctor or institution accepts Medicare then they will also accept your Medicare supplement.

  1. Is there a co-payment – and if so, how much?

Currently, the 2019 Medicare Supplement plans do not have a co pay option, but some of the plans require you to take care of your Part B deductible. Depending on your plan, this is a good option, depending on your monthly premium. There are some supplementary plans that take care of your part A & B deductible for you.

Medicare Advantage programs typically have a co-payment, deductible, and a maximum of ancillary costs that you are responsible for each year. Be careful, these plans also change every year, so your co-payments and deductibles could rise from year to year.

  1. Is there a maximum out-of-pocket?

Medicare Advantage plans have a maximum payout, which is the part you need to pay beyond your deductibles and coinsurance. Medicare supplement plans usually have a deductible you must take if there is one and that is when you fulfill your deductible, the plan takes care of the rest.

  1. What happens if I travel to Florida or outside my usual environment?

With Medicare supplement plans, the only requirement is that the provider accepts Medicare, then your benefits will take care of the rest until the limit of your plan. With a Medicare Advantage plan, you may only be covered in emergencies, or if there is coverage, you are usually exposed to much more of the costs incurred. Make sure you look at your summary of plan performance to see how high your financial risk is.

  1. Does it contain recipes, Glasses, Dentures?

Medicare supplement plans do not cover glasses or dentures, you need to get a separate policy for these covers. Medicare advantage programs are not expected to provide all of these benefits, but you can find some plans that include some of these benefits in your plan.

There are some Medicare Advantage plans that have prescription coverage included, but the included prescription plan may not be the best option for you. Make sure you have reviewed all options before choosing a plan.

Medicare for Disabled people

It is not necessary that the best Medicare Supplement Plans are assigned to people who are at least 65 years old. People who suffer from certain disabilities can avail health insurance Supplement schemes even if they are younger than 65 years old. However, it is necessary for disabled people that they should have already received Social Security disability benefits or Railroad Retire Board benefits for at least 24 consecutive months because only after this they are allowed to enroll in Medicare.

One can qualify for the health insurance Supplement schemes even if they are younger than 65 years if they (unfortunately) fulfill the following requirements:

  • If a person suffers from the End-Stage-Renal Disease (A disease in which kidney fails completely and regular dialysis is required, or a kidney transplant is required).
  • If a person has Amyotrophic lateral sclerosis (ALS) or also known as Lou Gehrig’s disease. However, in this case, a person is automatically registered in Medicare in the month he begins receiving his disability benefits.
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Medicare Supplement Plans and disability

If you are reading this article, then it is quite possible that you know very well about the Medicare Supplement Plans, however, for the sake of simplicity we are going to discuss some basis of these plans. These plans are commonly called as Medicare Part C and are controlled by Medicare as federal government does not have much influence on these plans. These health insurance plans can be availed from the private insurance companies in your area, and these plans are bound to offer all those perks which are offered by the Original Medicare.

So a disabled person who is a member of these plans gets same health insurance benefits as any other beneficiary.

An essential thing for the disabled people is that most types of health insurance Supplement schemes are not offered to people who suffer from End-Stage-Renal Disease, but in case of Special Needs Plan (SNP) such people can enroll themselves easily.


This scheme is specially tailored for disabled people, and with this plan, those people receive health care services through a network of service providers. Only people who suffer from chronic (long-term like ESRD) conditions, who have both Medicaid and Medicare, and who reside in specific facilities are eligible for this scheme. Moreover, this scheme also offers prescription drug coverage for its members.

An enrollee of health insurance Supplement plans always has to pay some monthly premium. So be ready for that.