Massachusetts is The 
Bay State
6.7M people
The first World Series, 1903: the Boston “Americans” (became the Red Sox in 1908) vs. the Pittsburg Pirates (Pittsburgh had no “h” between 1890–1911)
Massachusetts Medigap Difference
If you live in Massachusetts, you have guaranteed issue rights to buy a Medigap policy, but the policies are different.
Basic benefits
- Inpatient hospital care: covers the Part A coinsurance plus coverage for 365 additional days after Medicare coverage ends.
- Medical costs: covers the Part B coinsurance (generally 20% of the Medicare-approved amount).
- Blood: covers the first 3 pints of blood each year.
- Part A hospice coinsurance or copayment.
Medigap plans
Core Plan
Covers
- Basic benefits
- 60 days per calendar year of inpatient days in mental health hospitals.
- State-mandated benefits (yearly Pap tests and mammograms. Check your plan for other state-mandated benefits).
Doesn’t cover
- Part A: inpatient hospital deductible.
- Part A: skilled nursing facility coinsurance.
- Part B: deductible.
- Foreign travel emergency.
Supplement 1 Plan
Covers
- Basic benefits.
- Part A: inpatient hospital deductible.
- Part A: skilled nursing facility coinsurance.
- Part B: deductible.
- Foreign travel emergency.
- 120 days per calendar year of inpatient days in mental health hospitals.
- State-mandated benefits including yearly Pap tests and mammograms. Check your plan for other state-mandated benefits.
Compare these plans side-by-side
If a “yes” appears, the plan covers the described benefit 100%. If “no” appears, the policy doesn’t cover that benefit.
| Medigap Benefits | Medigap Plans | |
| Core Plan | Supplement 1 | |
| Basic benefits | Yes | Yes |
| Part A: inpatient hospital deductible | No | Yes |
| Part A: skilled nursing facility coinsurance | No | Yes |
| Part B: deductible | No | Yes |
| Foreign travel emergency | No | Yes |
| Inpatient days in mental health hospitals | 60 days per calendar year | 120 days per benefit year |
| State-mandated benefits (yearly Pap tests and mammograms. Check your plan for other state-mandated benefits.) | No | Yes |
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