You have a wide range of Medicare and other senior health insurance options available to you in Worcester County. To make shopping easier, use the navigation links below to show specific plan types. Click here to learn more about your Medicare options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Worcester County Medicare Insurance Options
Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Worcester County or Massachusetts. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.
In addition to regional Medicare insurance options, you must match your most important doctor (generally your primary care physician) with a plan. Tens of thousands of doctors don't treat Medicare patients, and those that do don't accept all types of Medicare payment. Some only work with Medicare directly, some only work with specific Medicare Advantage plans, and some do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Worcester County
Currently there are no Medicare Advantage plans available in Worcester County, Massachusetts. Hopefully this will change in the future.
Medicare Supplement Insurance in Worcester County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in Massachusetts (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Worcester County
In addition to no out-of-pocket limits, Original Medicare does not cover your prescription medications. It covers medications you need while hospitalized as an inpatient, but for outpatient care you must pay all costs or enroll in a Massachusetts Medicare Part D plan (PDP) to get cost assistance.
You have a variety of options available to you throughout Massachusetts. This year there are a total of 6 prescription drug plans available, each with its own formulary. Monthly premiums start at just $25.30 and go up to $100.70 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
How-To Find a Medicare Doctor in Worcester County, Massachusetts
We've recently added all Worcester County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Ashburnham, Athol, Auburn, Baldwinville, Barre, Berlin, Blackstone, Bolton, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, East Brookfield, Fiskdale, Fitchburg, Gardner, Gilbertville, Grafton, Harvard, Holden, Hopedale, Hubbardston, Jefferson, Lancaster, Leicester, Leominster, Lunenburg, Mendon, Milford, Millbury, Millville, North Brookfield, North Grafton, Northborough, Oakham, Oxford, Petersham, Princeton, Rochdale, Rutland, Shrewsbury, Southborough, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Templeton, Upton, Uxbridge, Warren, Webster, West Boylston, West Brookfield, Westborough, Westminster, Whitinsville, Winchendon, Worcester, and surrounding areas.
This page was last updated on: 11/12/2014.