Understanding Medicare Supplement Plans in Massachusetts
Unlike most states, Massachusetts uses its own standardized structure for Medicare Supplement (Medigap) plans. Rather than Plans A–N, Massachusetts residents have access to:
Core Plan
Supplement 1 Plan (available only to those eligible before January 1, 2020)
Supplement 1A Plan
These plans are designed to help cover costs left behind by Original Medicare (Parts A & B) such as:
Deductibles
Coinsurance and copayments
Extended hospital coverage
Skilled nursing facility care
Emergency care while traveling abroad
All plans are standardized by the state and federally regulated, ensuring consistent coverage regardless of which insurer you choose.
Who Offers Medigap Plans in Massachusetts (2025)?
As of 2025, the following major insurance carriers offer Medicare Supplement plans in Massachusetts:
Blue Cross Blue Shield of Massachusetts
Harvard Pilgrim Health Care
Tufts Health Plan
AARP/UnitedHealthcare
Humana
Mutual of Omaha
Overview of Massachusetts Medigap Plan Options
Core Plan
Basic benefits
Pays Part A coinsurance and additional hospital costs
Pays some Part B coinsurance and hospice care
Does not cover Part A/B deductibles or excess charges
Supplement 1 Plan
(Only available to individuals eligible for Medicare before January 1, 2020)
Covers nearly all Medicare out-of-pocket costs, including the Part B deductible
Most comprehensive coverage available
Supplement 1A Plan
Covers everything Supplement 1 does except the Part B deductible
Available to all Medicare beneficiaries, regardless of eligibility year
2025 Estimated Monthly Premiums in Massachusetts
Medigap premiums vary by insurer, but here are average monthly premium ranges for 2025:
Core Plan: $127 – $178/month
Supplement 1 Plan: $196 – $298/month
Supplement 1A Plan: $182 – $287/month
Why Massachusetts Plans Are Different
Massachusetts is one of only three states (along with Minnesota and Wisconsin) that uses state-specific Medigap plan structures, offering simplicity and broad coverage in streamlined options.
You won’t find Plans G, N, F, or High-Deductible F in Massachusetts as they are not offered here.
How MedicareMall Can Help
If you’re exploring your Massachusetts Medigap options, MedicareMall is here to help. Our licensed and bonded team:
Compares plans from multiple carriers
Helps determine eligibility for Supplement 1
Offers personalized quotes with no obligation
Ensures your transition to Medicare coverage is smooth and secure