Medicare Supplement Cost in Massachusetts

Medicare Supplement Plan G in Massachusetts costs approximately $180/month for a 65-year-old non-tobacco user. Plan N averages $145/month. Rates increase with age — at 75, expect $$266/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.

Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Massachusetts. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$50/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.

Massachusetts: Year-round guaranteed issue (unique to MA). MA uses 'Core' and 'Supplement 1' instead of federal plan letters; broader coverage than some federal plans

Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.