Massachusetts Medicare Plans
Medicare Supplement (Medigap) Policies
Massachusetts requires insurers to offer at least one Medicare Supplement plan to adults under sixty-five afflicted with disability. Massachusetts does not require insurers to sell a Medicare Supplement policy to adults under sixty-five with ESRD.
Mini-COBRA Policies (small group)
Massachusetts mandates continuation coverage for small employers for thirty-six months following separation although group carriers are allowed to drop some benefits (e.g. dental care, vision).
Medicare Savings Program (premium support)
Massachusetts has three Medicare Savings Programs:
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $973 and for couples with a monthly income under $1311, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1168 or couples with income under $1573, the state pays premiums for Part B.
- Qualified Individuals (QIs): For individuals with income under $1314 or for couples with an income under $1770, the state pays premiums for Part B.
State Health Insurance Assistance Program (SHIP)
The Massachusetts Executive Office of Elder Affairs (Elder Affairs) administers the SHIP in partnership with 13 regional subcontracting agencies, including municipal councils on aging and area agencies on aging. A combination of paid professionals and certified volunteers advise seniors. Beneficiaries access services through a statewide toll-free telephone system which routes calls to the nearest local sponsor or by calling or local counselling site and scheduling an appointment.
If you live in Massachusetts, consult with one of our MedicareSolutions.com insurance specialists to get personal assistance that is specific to your area. One of our experienced specialists can compare plans in your area and help you find the Medicare insurance benefits that are right for your needs.