Massachusetts Medicare

Some of the carriers we represent in the state of Massachusetts are AARP and Unicare.

Massachusetts offers several Medicare Advantage Plans. In order to qualify you must already have Medicare Part A and B, live in the service area of the plan, and you can’t be diagnosed with end-stage renal disease.  Not all types of plans are available in every area.  The Medicare Advantage Plans include:

Managed Care plan (HMO): Under this plan you can only see the doctors and hospitals under your network. Neither Medicare nor your HMO will cover any service outside your plan. HMO will cover additional benefits such as routine checkups, dental services, and eye and hearing exams.

Medical Savings Account (MSA): This plan has a high deductable health insurance policy that covers Medicare expenses after meeting the deductible as well as a tax-exempt Medical Savings Account that you can pay for qualified medical expenses before meeting your deductible. Medicare will deposit money into your MSA account every year and if it’s not used, it stays in the account for future use.

Preferred Provider Plans (PPOs): The PPO plans allow you to go the health services of your plan’s network as well other Medicare-approved providers. Although you have to pay extra in order to get service outside your plan’s network, you don’t need a referral to see a specialist. The terms of your plan depends on how much you’ll pay for services.

Other Massachusetts Medicare Advantage plans include Private Fee-for-Service plans and Special Needs Plans.

State Assistance Programs:

MassHealth is a state-run service that pays for certain low-and medium-income Massachusetts residents aged 65 and older. MassHealth pays for benefits such as doctor’s visits, hospital stays, prescriptions, and long-term care services. The plan also pays for Medicare Part B premiums, copayments, and deductibles for certain MassHealth members.

For more information you can call (800) 841-2900