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May 19, 2011
Massachusetts Medicare Supplement Plans
Massachusetts is one of only three states that do not offer the ten standardized Medicare Supplement plans. Massachusetts offers two plans: the Core Plan and the Supplement 1 Plan.
Massachusetts Core Plan
The Massachusetts Core Plan is the more basic of the two Medigap options within the state. Its benefits include:
- Coverage for Medicare Part A co-insurance (inpatient hospital stay) plus coverage for 365 additional days after Medicare coverage ends
- Coverage for Medicare Part B co-insurance (generally 20% of the Medicare-approved amount)
- Coverage for the first three pints of blood each year
- Part A hospice co-insurance or co-payment
- 60 days of inpatient mental health hospital care per calendar year
- State-mandated benefits (e.g. annual pap smear, mammograms, etc.)
Massachusetts Supplement 1 Plan
The Massachusetts Supplement 1 Plan is more benefit-rich than the Core Plan. It has all the benefits in the Core Plan along with:
- Medicare Part A inpatient hospital deductible
- Medicare Part A Skilled Nursing Facility co-insurance coverage
- Medicare Part B deductible coverage
- Foreign travel emergency coverage
- 120 days of inpatient mental health hospital care per benefit year
