Massachusetts Medicare Supplement Plans

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If you’re a Medicare beneficiary living in Massachusetts, don’t go anywhere. We’re going to discuss how Medigap plans work in Massachusetts.

I’m Lindsay Engle, the Medicare Expert for Elite Insurance Partners and MedicareFAQ.com. Original Medicare comes with many out-of-pocket costs in the form of cost-sharing. Most people enroll in a Medigap plan to help with these gaps in coverage.

Medigap plans are standardized by the federal government. All 50 states – except for three – follow these standardized plans. Typically, you have 12 options to choose from, but in Massachusetts, you have three.

Your three options in Massachusetts are the Core Plan, Supplement1 Plan, and 1A Plan. The 12 plans that are standardized by the federal government are labeled Plans A through N.

The Core Plan in Massachusetts follows Medigap Plan A. The core plan will cover coinsurance that falls under Part A for an additional 365 days after your Original Medicare benefits have been exhausted. Also, it will cover any coinsurance under Part A for hospice care.

Additionally, the Core Plan will cover any coinsurance under Part B. It will also cover the first three pints of blood if needed at a hospital or doctor’s office and an additional 60 days of inpatient mental health care.

Basically, the Core Plan covers your core benefits only.

The next plan option you have is Supplement1 Plan. This plan is in line with Plan F. It pretty much covers all of your monthly expenses outside your monthly premium.

Supplement1 Plan includes the same benefits as the Core Plan. It covers your Part A and Part B deductible, any coinsurance at a skilled nursing facility, foreign travel emergency care, and an additional 120 days of mental healthcare at an inpatient facility.

It’s important to include that if you’re eligible for Medicare after 2020, you won’t be eligible for the Supplement1 Plan. This is because it covers the Part B deductible, which makes it a first-dollar coverage plan. As of 2020, all first-dollar coverage plans will be unavailable to newer Medicare beneficiaries.

If you’re eligible after 2020, you can enroll in the Core Plan or the 1A Plan. If you’re eligible for Medicare prior to 2020, you can enroll in any of the three options.

The last plan you have to choose from is the 1A Plan. This plan is very similar to Plan G. It covers the same benefits as the Core Plan, and the same benefits of the Supplment1 Plan, minus the Part B deductible.

To summarize, if you’re a Massachusetts resident, you have only three Medicare Supplement options from which to choose. The Core Plan includes the core policy benefits that you’ll see under Plan A. The Supplement1 Plan basically covers the same benefits as Plan F. Finally, the 1A Plan covers the same benefits as Plan G.

For more information on Massachusetts Medigap plans:
PDF documents of all 3 plans:

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