Massachusetts Senior Health Insurance

Explore Your Options

There is good news for residents who are eligible for Medicare in the state of Massachusetts; there are many affordable Senior Health Insurance options available to you. However, if you are moving to Massachusetts from another state after retirement, it’s important to know the Massachusetts Medical Supplements are structured much differently than other states. If you do not opt to enroll into a Medicare Supplement Plan, you also have the option to enroll into a Prescription Drug Plan or Medicare Advantage Plan.

In Massachusetts, Medicare Supplement Plans (Medigap) can be offered in two standard plans. Every private insurance company is required to offer the “Core” plan, with standardized benefits. Insurance carriers are able to add additional benefits to these standardized plans but must first get them approved by the Commissioner. To help you compare the different benefits added to certain carrier’s plans, call a Specialist at Medicare Supplement Plans do not include prescription drug coverage; therefore, they are most commonly paired with a Prescription Drug Plan.

Prescription Drug Plans (Part D) are stand-alone policies that are offered by private insurance carriers. These plans are designed to help cover the costs associated with your prescriptions. They all have a monthly premium and copays ranging from $0 and up depending on your prescription’s tier level. Not taking any prescriptions? Most people still sign up for a PDP to avoid the Late Enrollment Penalty or to make sure they are covered should they need to take prescriptions in the future. If you need Extra Help paying for your prescriptions, please click here.

Next, you can explore Medicare Advantage Plans. Medicare Advantage Plans are county-based plans that typically have drug coverage built into the benefits. However, not all MAPD’s have drug coverage built in so it’s important you understand the benefits of your plan. This type of plan is a network-based plan, so to ensure you can keep your current doctor, make sure that your doctor accepts the plan in which you intend to enroll.  The specialists at can walk you through this and make sure that you are signing up for a plan that fits all your needs.

There are many Senior Health Insurance plans to choose from if you reside in Massachusetts. We urge you to not feel overwhelmed but to contact today to speak with a Senior Health Insurance Specialist who can review your situation and walk you through your available options.

Senior Resources:

Massachusetts Department of Human Services:
Massachusetts Executive Office of Elder Affairs: