Table of Contents

Medicare Plans by State

STATE -Select-
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Page Reviewed / Updated – December 23, 2023

Medicare Advantage is an alternative approach to delivering Medicare benefits, which has become increasingly popular since it was first introduced in 2003. While Original Medicare splits service areas between the inpatient benefit (Part A), the outpatient benefit (Part B) and prescription drug coverage (Part D), Medicare Advantage combines them all into a single plan sometimes called Part C. Part C coverage is paid for by the beneficiaries’ own Medicare benefits but delivered via private insurers authorized in each state.

Private insurers offer a variety of Part C plans, but all authorized policies have to include the same coverage as Original Medicare Parts A and B. Most Medicare Advantage Plans go beyond this basic level of coverage by offering at least some prescription drug coverage, as well as benefits not usually covered by Medicare, such as dental care, vision exams and hearing aids. These benefits are rolled together under a single monthly premium, which in some cases may be as low as $0, depending on the details of individual risk pools.

Medicare Advantage has gained significant popularity among eligible seniors in Massachusetts. In 2022, 28% out of 1,385,967 eligible enrollees opted for a Medicare Advantage Plan. As of 2023, there was a growth of 2.50% in eligible enrollees from the previous year, resulting in 30% of Massachusetts’ Medicare enrollees choosing to receive their benefits through this method. This reflects a 7.23% increase in new enrollees selecting Medicare Advantage within a single year, slightly above the national rate of 6.9%.

This guide goes over the top Medicare Advantage Plans available in Massachusetts. It lists costs and enrollment data, as well as customer reviews, to give seniors and their families a good starting point when researching Part C plans in the Bay State.

The Top 10 Medicare Advantage Plans in Massachusetts

Massachusetts has a large number of Medicare Advantage Plans available for seniors to choose from. These plans are offered by multiple private companies, which offer a variety of specific plans with varying coverage options and premiums, with different share of cost options and coverage types. Enrollees can choose between HMO plans, PPO plans and special coverage options for chronic illnesses. The figures in the following table are accurate as of July 2023, with cost ranges offered as an average. Enrollment numbers are a combination of all enrollees from each provider. Readers can visit to learn more about their benefits.



Medicare Star Rating

Monthly Cost Range

Plan Types

Tufts Health Plan



$0 – $256





$0 – $197





$0 – $254


Blue Cross Blue Shield of Michigan



$0 – $0


Kaiser Permanente



$0 – $258


Fallon Health



$0 – $238


Health New England Medicare Advantage Plans



$0 – $168





$0 – $60


Anthem Blue Cross and Blue Shield



$0 – $19


Commonwealth Care Alliance Massachusetts



$0 – $50


How Medicare Advantage Plans Work in Massachusetts

It’s important to know how the Medicare Advantage program works before shopping for the ideal plan. Each insurance plan may offer multiple plans or plan types, which include Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. Each plan type has different requirements regarding eligibility, which providers plan members may see, coinsurance requirements and which medications the prescription drug plan covers. Below is a review of the four primary types of Advantage plans and how they’re different from each other. 

Medicare Advantage Plan Types Graphic

What Medicare Advantage Plans Cover in Massachusetts

The law requires Medicare Advantage plans to cover everything covered by Original Medicare (Parts A and B), except hospice care. An Advantage plan covers preventative care, lab tests, emergency care, treatment at an inpatient facility, outpatient procedures and medical equipment and supplies. Insurers that offer Advantage plans might also include dental, vision and hearing along with discount programs for gym memberships, meal programs and other wellness services. 

Coverage Available With Medicare Parts A & B?

Coverage Available With Medicare Advantage?

Preventive Screenings



Hospital Care



Durable Medical Equipment



Prescription Drugs



Vision Care



Dental Care



Hearing Aids



*Select plans offer this coverage

** Most plans offer this coverage

Eligibility for Medicare Advantage in Massachusetts

Before seniors can qualify for the Medicare Advantage program, they must first enroll in Original Medicare Parts A and B. They must live in the plan’s service area and meet the other eligibility requirements for the plan they select. Medicare is only available to qualified adults over the age of 65 or who have a disability that allows them to enroll in Medicare. Only U.S. citizens or legal residents may enroll in Medicare. 

Seniors can only sign up for Medicare during an active enrollment period, so it’s important to know when each year’s enrollment window is. Once enrolled, seniors may change their plans whenever they choose, as long as it’s during the next enrollment period. Some circumstances allow people to qualify for a special enrollment period. The list below provides more information about enrollment timing. 

  • Initial Coverage Election Period: This is the initial 7-month period, coinciding with one’s 65th birthday, during which everyone is eligible to enroll in a Medicare Advantage plan.
  • Annual Election Period (AEP): Also referred to as the Open Enrollment Period, this the time of year when anyone over 65 can enroll in Medicare Advantage for the first time or change to a new plan.
  • Medicare Advantage Open Enrollment Period: During this period, those who are already enrolled in Medicare Advantage can switch to a different plan or switch back to Original Medicare.

Start Date

End Date

Initial Coverage Election

3 Months Before One’s
65th Birth Month

3 Months After One’s
65th Birth Month

Annual Election Period

October 15th

December 7th

Medicare Advantage Open
Enrollment Period

January 1st

March 31st

Additionally, Medicare Advantage plan participants can change their plan outside of these enrollment periods under certain qualifying circumstances, such as moving to a new state.

How to Find & Choose a Medicare Advantage Plan in Massachusetts

Navigating the many intricacies of Medicare Advantage plan types, insurers, and the specific plan options available by region can be a difficult and time-consuming task. Below are several resources we’ve created to help you through the process.

First is a downloadable PDF that you can use as a guide to help you compare plans as you research. Finally, we have listed a number of organizations that you can contact with experts that will help you determine whether Medicare Advantage is right for you and what plans you should consider.

Choose a Medicare Advantage Plan

State-Wide Medicare Advantage Resources

Serving the Health Insurance Needs of Elders (SHINE)

SHINE is a nonprofit organization with more than 600 volunteers throughout Massachusetts who are trained to assist seniors who qualify for Medicare and Medicare Advantage coverage. Certified SHINE counselors provide free, unbiased advice and referrals for senior residents of the state who need help signing up for or managing their Medicare benefits. Education and community support are also available for caregivers, family members and other loved ones of seniors enrolled in Medicare.

Contact Info

Seniors who need assistance can call SHINE at 1-800-243-4636 to talk with a certified counselor. Volunteers live and work in every community in the state. Inquiries may be submitted online via the SHINE website’s contact form. Send mail to the address listed in the contact section of the program’s website.

Local Medicare Advantage Resources

Age Strong

Seniors aged 55 and over who live in and around the city of Boston can receive help with managing their Medicare benefits from Age Strong, a program of the city government. Age Strong counselors and case workers are trained to educate seniors about various free and low-cost services they may be eligible for. The program offers referrals and direct assistance with discount and free prescription drug programs, and case workers can help eligible seniors sign up. Age Strong counselors are also able to help seniors find and apply for other, non-Medicare or Medicare Advantage programs.

Contact Info

Seniors in the Boston area can call the Age Strong helpline at 617-635-4366. Inquiries and requests for counseling appointments may be submitted online or by mail to the Age Strong main office address shown on the program’s website.

Visit Website
MetroWest Meds Program at Kennedy CHC

Adults who live in the 25 cities and towns of the MetroWest area can get help from the MetroWest Meds Program in finding and applying for pharmaceutical company assistance programs. The MetroWest Meds program can also assist seniors with applications for MassHealth and various Medicare-related programs for people with limited incomes. Eligible seniors must meet program admission standards for income, assets and medical needs, as well as permanently reside in one of the Kennedy CHC’s service areas, which are listed on the program’s website.

Contact Info

Contact the program office by calling 508-270-5781. Walk-in applications are accepted at program offices, though mail is received at the Edward M Kennedy Community Health Center in Framingham.

Outreach Services of the Mansfield Council on Aging

The city of Mansfield’s Council on Aging (COA) offers outreach services to help local seniors understand and manage their Medicare and Medicare Advantage benefits. Mansfield seniors aged 60 and over, who have a diagnosed disability of any kind, can apply to the council for help signing up for patient assistance programs, finding benefits they may not know they are eligible for and obtaining financial assistance with Part D premiums and co-payments. 

Contact Info

Call the COA application line at 508-261-7368 to schedule an appointment with a case worker. Applications and other correspondence may be mailed to: Mansfield Council on Aging – Town Hall
255 Hope Street, P.O. Box 232, Mansfield, MA 02048

Greater Lynn Senior Services 

Greater Lynn Senior Services (GLSS) helps seniors aged 60 and over in the Lynn area, plus areas around Essex County, find free and discounted prescription drug programs. Eligible seniors must meet income and asset limits, generally capped at 200% of the federal benefits rate. Program coordinators can also help seniors find and apply for privately offered drug supplement programs, Extra Help federal aid for Part D benefits and several other aid programs relevant to residents of the GLSS service area. 

Contact Info

Contact the Greater Lynn Senior Services by phone at 781-581-7557. Emails may be sent to [email protected]. Written communications, including application packets, can be mailed to 8 Silsbee Street, Lynn, MA 01901. 

Disability Resource Center – Salem

Seniors who reside in Essex or Middlesex counties may be eligible for assistance with their Medicare and Medicare Advantage programs through the Disability Resource Center (DRC) in Salem. The mission of the center is to inform local seniors, as well as younger adults with any kind of disability, about how Medicare benefits work together, and available extra assistance that they may be eligible for. Program caseworkers are able to offer unbiased advice, educational materials about each program the center works with and direct assistance filling out the necessary application forms. 

Contact Info

Seniors may contact the Disability Resource Center by phone at 978-741-0077. Email inquiries can be sent to [email protected]. The DRC may be contacted by mail at the program headquarters address listed in the resource center website’s contact page.