Medicare in Massachusetts

As you may already know, Medicare covers all the territory of the U.S and each plan offers the same benefits in every state. However there are some exceptions and Massachusetts is one of them. If you live in Massachusetts and want to know the options you have or you are just curious about it, the following information will explain all the details about the plans available in this city.

    What are the similarities between Medicare in Massachusetts and the rest of the U.S?

     Most of the services offered by Medicare in Massachusetts are the same as the ones offered in the rest of the U.S. The following services are available for citizens of this city:

  • Original Medicare Part A (hospital insurance) and Part B (medical insurance) are available for all people eligible in Massachusetts. It works the same as in every other state. You must apply during the Initial Enrollment Period if you are turning 65 or suffer from End-Stage Renal Disease regardless of your age and you will be enrolled automatically if you suffer from amyotrophic lateral sclerosis or if you are receiving Social Security Services disability benefits.
  • Original Medicare Part C or Medicare Advantage Plans are also available. This covers the same as Original Medicare and includes more benefits. You will have to get it through a private insurance in which you will check the plans available and its prices.
  • Medicare Part D or Medicare Prescription Drug Coverage is also available and it is optional but very helpful if you want to reduce out-of-pocket costs.

      What are the differences between Medicare in Massachusetts and the rest of the U.S?

     The main difference between Medicare in Massachusetts and the rest of the U.S is Medigap. Medicare Supplemental plans offered in Massachusetts are very different and the options are more limited. Remember Medigap policies are plans made to cover the “gaps” in Original Medicare and to reduce out-of-pocket costs. Medigap policies available are Core Plan and Supplement 1.

What does Core Plan cover in Massachusetts?

     Plan Core is the most basic Medigap available in Massachusetts and its covers:

  • Medicare Part A coinsurance for inpatient hospital care plus coverage for an extra 365 days after Medicare coverage has end.
  • Medicare Part B coinsurance (generally 20% of the Medicare-approved amount).
  • The first three pints of blood in a year.
  • Medicare Part A hospice coinsurance or copayment.
  • 60 days per calendar year of inpatient days in mental health hospitals (this is in addition to Medicare’s coverage of 190 lifetime days and less any days previously covered by plan in same benefit period).

What does Supplement 1 cover?

  • Medicare Part A coinsurance for inpatient hospital care plus coverage for an extra 365 days after Medicare coverage has end.
  • Medicare Part B coinsurance (generally 20% of the Medicare-approved amount).
  • The first three pints of blood in a year.
  • Medicare Part A inpatient hospice coinsurance or copayment.
  • Medicare Part A hospital deductible.
  • Medicare Part A skilled nursing facility coinsurance.
  • Medicare Part B deductible.
  • Foreign travel emergency health coverage.
  • 120 days per year of inpatient days in a mental health hospital (this is in addition to Medicare’s coverage of 190 lifetime days and less any days previously covered by plan in same benefit period).
  • State-mandated benefits including yearly Pap tests and mammograms. Ask you insurance what other benefits does it cover.

How do I contact Medicare in Massachusetts?

      In Massachusetts there is a health insurance assistance program called Serving Health Information Needs of Elders or the SHINE program, which offers free health insurance information to residents. In case you have more questions or doubts, you can contact the SHINE program at 1-800-243-4636 Monday through Friday, from 8:45AM to 5PM.

 

 

 

 

Mutual of Omaha Medicare Supplement Popular plans

If you have spent enough time in comparing the Medigap plans of Mutual of Omaha Medicare, you must have by now noticed that there are different options available to choose. They are standardized and cover different deductibles, copays and coinsurance that people having Traditional Medicare may require to pay. The options are from lean to robust choices and it is best to compare the insurance plans with premiums so that you know the benefits and remember it. Same as all other insurance types, generally when you expect more protection it involves paying more money for premium.

 

As there are several insurance options, you can be better off in case you start exploring from the prominent types of insurance plans. This next section helps in comparing the supplement Plan F, N or G of Mutual of Omaha Medicare:

 

  • Supplement Plan F of Mutual of Omaha Medicare: paying monthly premium is enough and you need not worry about the expenses going out of pocket. This is a robust plan and it claims around 40% of the market. It safeguards from coinsurance, deductibles and few more things that is not covered by the basic Medicare plans.
  • Supplement Plan N of Mutual of Omaha Medicare: In this plan, pay low copay when you visit a doctor or some emergency room. This plan does not cover Part B Medicare deductible. It will not pay medical providers charge exceeding that is permitted by Medicare, but the other plans allow, Plan F and G. The Plan N is the right choice for people who do not expect many visits to the healthcare for services. The rates are cheaper and it will save you money.
  • Mutual of Omaha medicare supplement plan G: The benefit of Plan G Medicare is because it leaves the deductible Part B Medicare payment. This plan is less expensive than Plan F and you can save money.

 

Which is better?

A healthy beneficiary wishing to save money may consider the cheaper options. Today, you may be healthy, but it is difficult to know the medical services you may require after a decade. Enjoying the guaranteed enrollment periods is enjoyable as you need not answer questions on health. As your future is unpredictable on healthcare, Medicare Plan F is the safer option. Likewise, choosing Plan N or G also is not risky. Plan N does not cover additional charges is the drawback, and with Plan G the deductible Part B is modest.