Massachusetts Medicare Insurance Plans
In Massachusetts, individuals over the age of 65, as well as some who are disabled or who have specific ailments, may qualify for Medicare coverage, a federal insurance plan available to only certain members of the population. And while Medicare is sponsored by the federal government, there are certain benefits that individual states offer to qualifying beneficiaries. The following provides information for Massachusetts medicare insurance plans who have questions about Medicare or are looking for extra help.
First, it is important to note that Original Medicare coverage, or Part A and Part B collectively, are not the only available options for recipients. If you are interested in further coverage outside of Original Medicare, consider purchasing a Medigap policy through one of the approved insurers in Massachusetts.
Medicare Savings Programs in Massachusetts
The state of Massachusetts recognizes that premiums and costs associated with Medicare may still be too high for some residents to afford. As such, the state government offers extra help to residents who qualify individually or as a family.
The following Medicare Savings Programs are available to eligible beneficiaries:
- Individuals who make less than $1,001 per month or couples who earn less than $1,348 a month may be eligible for the Qualified Medicare Beneficiary program, which assists with costs associated with Medicare Part A and Part B premiums, as well as others.
- Those who earn less than $1,197 per month or couples who earn less than $1,613 a month are eligible for the Specified Low-Income Medicare Beneficiary program, which provides help for Medicare Part B premium costs.
- Individuals who make less than $1,345 a month and couples who make less than $1,813 monthly may qualify for the Qualifying Individual program, which helps with Medicare Part B premiums.
- Finally, certain individuals or couples who monthly earn less than $4,009 or $5,395, respectively, may qualify for the Qualifying Disabled and Working Individuals program, although additional restrictions apply. This covers costs for Medicare Part A premiums.
Under Massachusetts law, employers must provide a continuation of insurance coverage after the termination of the employee. This coverage lasts for 18 months.
Other Help From the State
Finally, Medicare beneficiaries in Massachusetts may also be able to obtain information and assistance from Serving the Health Insurance Needs of Everyone (SHINE), a state health insurance assistance program available in the state. SHINE counselors are committed to assisting Medicare beneficiaries and their caregivers in understanding and navigating the insurance process.
If you have further questions, don’t hesitate to contact the professionals at Medicare Solutions. We are dedicated to helping you acquire the coverage you need for Massachusetts medicare insurance plans for the rest of your life.