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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