Seniors have more health insurance options than ever before. Massachusetts Medicare Advantage Plans are one of those options. Medicare Advantage replaces your Original Medicare private-fee-for-service benefits with an approved managed care plan that saves you money.
Some rural areas don’t offer plans, while others offer only a few. It all comes down to the availability HMO and/or PPO healthcare provider networks available in the area.
Who Can Enroll in a Massachusetts Medicare Advantage Plan?
Most Massachusetts seniors qualify to join a Medicare Advantage plan. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You are only allowed to join, drop or change plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
There’s also an Individual Election Period (IEP) that you can use once. Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
Enrollment couldn’t be easier. There are three ways. You can call a plan directly. This makes for quick and easy enrollment if you already know the plan you want.
Then government’s official website, www.Medicare.gov, is the second option. The government website allows you to compare plans, find doctors, look up your medications, and start your application on-line.
The third way is to use an independent insurance agent. This is ideal when you want to meet with someone face-to-face to get sound advice. Most local agents represent multiple insurance products, giving you plenty of options.
Massachusetts Medicare Advantage vs. Original Medicare + Medigap
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. Massachusetts Medicare Supplemental Insurance and a Massachusetts Medicare Part D Plan (for prescriptions) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, visit our Massachusetts Medigap Plans page. All Medicare Supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
About Our 2015 Massachusetts Medicare Advantage (Part C) Information
MedicareWire.com collects Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. MedicareWire.com updates its databases quarterly. However, we are unable to verify the correctness of the data received. You must use a licensed insurance agent to get an accurate and binding quote.For additional information go to the CMS website at: http://cms.gov. This page was last updated on 9/13/2015.