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Frequently Asked Questions | Mass General Brigham Health Plan
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answers to common questions about Medicare Advantage and our plans.</p> <p> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="containerlayout --margin-small-top --margin-small-bottom aem-GridColumn aem-GridColumn--default--12"><div class="cmp-containerlayout --grid-normal-one-column --site-max-width --bg-color-neutral-white"> <div class="cmp-containerlayout__content-column "> <div class="text component-heading-typography"> <div id="text-94dbf4a1f6" class="cmp-text"> <p>About Medicare Advantage</p> </div> </div> <div class="text component-body-typography"> <div id="text-9e3a6e3eae" class="cmp-text"> <p>If you’re just getting started with Medicare or want more information about Medicare Advantage, you can learn more on the <a href="/plans/new-to-medicare" target="_self" rel="noopener noreferrer">new to Medicare</a> page.</p> </div> </div> <div class="accordion panelcontainer"> <div id="accordion-1452fc0e37" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-1452fc0e37-item-4ad7178dfc":{"@type":"mgbhp/components/accordion/item","dc:title":"What is Medicare Advantage?"}}" id="accordion-1452fc0e37-item-4ad7178dfc"> <h3 class="cmp-accordion__header"> <button id="accordion-1452fc0e37-item-4ad7178dfc-button" class="cmp-accordion__button" type="button" aria-controls="accordion-1452fc0e37-item-4ad7178dfc-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What is Medicare Advantage?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-1452fc0e37-item-4ad7178dfc-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-1452fc0e37-item-4ad7178dfc-button"><div class="container responsivegrid"> <div id="container-4ad7178dfc" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-a931b8ec02" class="cmp-text"> <p>Medicare Advantage is a bundled plan option that adds additional coverage to Original Medicare. Original Medicare (Parts A and B) includes hospital insurance for both inpatient and home health, and medical insurance for doctor visits and some preventive care. </p> <p>Medicare Advantage (Part C) plans combine Part A and B as well as Part D (drug coverage), to provide you with full-coverage benefits including dental, vision, hearing, and more. <br /> </p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-1452fc0e37-item-f1d47e310d":{"@type":"mgbhp/components/accordion/item","dc:title":"If I already have original Medicare or a Medigap plan, why should I consider a Medicare Advantage plan? "}}" id="accordion-1452fc0e37-item-f1d47e310d"> <h3 class="cmp-accordion__header"> <button id="accordion-1452fc0e37-item-f1d47e310d-button" class="cmp-accordion__button" type="button" aria-controls="accordion-1452fc0e37-item-f1d47e310d-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">If I already have original Medicare or a Medigap plan, why should I consider a Medicare Advantage plan? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-1452fc0e37-item-f1d47e310d-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-1452fc0e37-item-f1d47e310d-button"><div class="container responsivegrid"> <div id="container-f1d47e310d" class="cmp-container"> <div class="text component-body-typography"> <div id="text-e776092ddf" class="cmp-text"> <p>Simply put: you may be missing out. Consider your healthcare needs when comparing Medicare Advantage vs Medicare supplements you may already have. Medicare Advantage plans offer more benefits than traditional Medicare, and premiums start at $0/month. </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"> <div id="separator-6e0cec225e" class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="containerlayout --margin-small-top aem-GridColumn aem-GridColumn--default--12"><div class="cmp-containerlayout --grid-normal-one-column --site-max-width --bg-color-neutral-white"> <div class="cmp-containerlayout__content-column "> <div class="text component-heading-typography"> <div id="text-1e4a3dbeaa" class="cmp-text"> <p>Plans</p> </div> </div> <div class="text component-body-typography"> <div id="text-8ac7ef646b" class="cmp-text"> <p>Get to know our available plans on the <a href="/plans/compare-plans" target="_self" rel="noopener noreferrer">plan comparison</a> page.</p> </div> </div> <div class="accordion panelcontainer"> <div id="accordion-c2525575d7" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-c2525575d7-item-de57c98d62":{"@type":"mgbhp/components/accordion/item","dc:title":"What are the advantages of a Medicare Advantage plan from Mass General Brigham Health Plan? "}}" id="accordion-c2525575d7-item-de57c98d62"> <h3 class="cmp-accordion__header"> <button id="accordion-c2525575d7-item-de57c98d62-button" class="cmp-accordion__button" type="button" aria-controls="accordion-c2525575d7-item-de57c98d62-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What are the advantages of a Medicare Advantage plan from Mass General Brigham Health Plan? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-c2525575d7-item-de57c98d62-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-c2525575d7-item-de57c98d62-button"><div class="container responsivegrid"> <div id="container-de57c98d62" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-e9bc4b5f5d" class="cmp-text"> <p>Our Medicare Advantage plans have many advantages over Original Medicare. Each plan includes additional benefits like hearing, vision, dental, and a Flexible Benefit Card for qualifying fitness classes, weight-loss programs, over-the-counter products, and more. </p> <p>Our plans are designed with affordable premiums, annual out-of-pocket maximums, no deductibles, and no referrals needed. Some services, however, will require prior authorization.<a href="https://massgeneralbrighamadvantage.org/plans"> Learn more about our plans and compare your options here.</a><br /> </p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-c2525575d7-item-72e1813862":{"@type":"mgbhp/components/accordion/item","dc:title":"Where are your plans available?"}}" id="accordion-c2525575d7-item-72e1813862"> <h3 class="cmp-accordion__header"> <button id="accordion-c2525575d7-item-72e1813862-button" class="cmp-accordion__button" type="button" aria-controls="accordion-c2525575d7-item-72e1813862-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Where are your plans available?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-c2525575d7-item-72e1813862-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-c2525575d7-item-72e1813862-button"><div class="container responsivegrid"> <div id="container-72e1813862" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-b1f05b3e85" class="cmp-text"> <p>Mass General Brigham Advantage plans are currently available in the following Massachusetts counties: Bristol, Dukes, Essex, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk, and Worcester. Our Massachusetts and Boston Medicare Advantage plans are available to eligible residents – learn more about eligibility here. </p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-c2525575d7-item-60ccdfa50c":{"@type":"mgbhp/components/accordion/item","dc:title":"How do I switch Medicare plans?"}}" id="accordion-c2525575d7-item-60ccdfa50c"> <h3 class="cmp-accordion__header"> <button id="accordion-c2525575d7-item-60ccdfa50c-button" class="cmp-accordion__button" type="button" aria-controls="accordion-c2525575d7-item-60ccdfa50c-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">How do I switch Medicare plans?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-c2525575d7-item-60ccdfa50c-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-c2525575d7-item-60ccdfa50c-button"><div class="container responsivegrid"> <div id="container-60ccdfa50c" class="cmp-container"> <div class="text component-body-typography"> <div id="text-3b20b6c235" class="cmp-text"> <p>It’s easy to switch your coverage and enroll in one of our Medicare Advantage plans. After verifying your eligibility, just select one of our three easy enrollment options to sign up for your new plan. </p> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-c2525575d7-item-585e901218":{"@type":"mgbhp/components/accordion/item","dc:title":"When can I switch my plan?"}}" id="accordion-c2525575d7-item-585e901218"> <h3 class="cmp-accordion__header"> <button id="accordion-c2525575d7-item-585e901218-button" class="cmp-accordion__button" type="button" aria-controls="accordion-c2525575d7-item-585e901218-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">When can I switch my plan?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-c2525575d7-item-585e901218-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-c2525575d7-item-585e901218-button"><div class="container responsivegrid"> <div id="container-585e901218" class="cmp-container"> <div class="text component-body-typography"> <div id="text-9a28df5dec" class="cmp-text"> <p>You’re eligible to change plans during a specific time of the year, called the Annual Enrollment Period (AEP). AEP runs from Oct 15 to December 7. During this period you can enroll in Medicare Advantage, switch plans, or leave your plan. You’re also eligible to switch your plan during the Open Enrollment Period (OEP), which runs from January 1 to March 31. </p> <p>Some people may also qualify for coverage outside of standard enrollment periods, during the Special Enrollment Period (SEP). SEP takes place when certain qualifying events happen, including losing your employer coverage, moving, or retiring.<br /> </p> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-c2525575d7-item-832071a64a":{"@type":"mgbhp/components/accordion/item","dc:title":"What should I consider when comparing Medicare Advantage plans? "}}" id="accordion-c2525575d7-item-832071a64a"> <h3 class="cmp-accordion__header"> <button id="accordion-c2525575d7-item-832071a64a-button" class="cmp-accordion__button" type="button" aria-controls="accordion-c2525575d7-item-832071a64a-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What should I consider when comparing Medicare Advantage plans? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-c2525575d7-item-832071a64a-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-c2525575d7-item-832071a64a-button"><div class="container responsivegrid"> <div id="container-832071a64a" class="cmp-container"> <div class="text component-body-typography"> <div id="text-e53748a894" class="cmp-text"> <p>When choosing a new plan, you should review costs and premiums to find the best fit. Review our Medicare Advantage plan comparison chart for basic information including premiums, copays, out-of-pocket maximums, and coinsurance. </p> <p>It also helps to get a picture of your current healthcare history by asking yourself the following questions: </p> <ul><li>What were your total healthcare costs in the past year, including premiums, deductibles, copays, and coinsurance?</li><li>How often did you visit the doctor or hospital?</li><li>What medications do you take currently, and how often do you need to refill your prescriptions? </li></ul> <p>You can also confirm if your current doctors are covered in-network, and if your current prescriptions are covered. Review our Benefits page for detailed information about what else is included in our plans. </p> <p>If you have any questions about Medicare Advantage plans from Mass General Brigham Health Plan, set up a call with one of our dedicated Medicare Advisors. They can review your plan options and help you choose the best option. <br /> </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"> <div id="separator-cc05a69044" class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="containerlayout --margin-small-top --margin-small-bottom aem-GridColumn aem-GridColumn--default--12"><div class="cmp-containerlayout --grid-normal-one-column --site-max-width --bg-color-neutral-white"> <div class="cmp-containerlayout__content-column "> <div class="text component-heading-typography"> <div id="text-0542a642d2" class="cmp-text"> <p>Care and coverage</p> </div> </div> <div class="text component-body-typography"> <div id="text-ac74c01e58" class="cmp-text"> <p>Search our network and see if your current providers are covered on the <a href="/plans/find-doctor" target="_self" rel="noopener noreferrer">find a doctor</a> page.</p> </div> </div> <div class="accordion panelcontainer"> <div id="accordion-95adc09100" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-95adc09100-item-0424ecb62f":{"@type":"mgbhp/components/accordion/item","dc:title":"How do I check if my current doctors are covered? "}}" id="accordion-95adc09100-item-0424ecb62f"> <h3 class="cmp-accordion__header"> <button id="accordion-95adc09100-item-0424ecb62f-button" class="cmp-accordion__button" type="button" aria-controls="accordion-95adc09100-item-0424ecb62f-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">How do I check if my current doctors are covered? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-95adc09100-item-0424ecb62f-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-95adc09100-item-0424ecb62f-button"><div class="container responsivegrid"> <div id="container-0424ecb62f" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-ec9e2dab75" class="cmp-text"> <p>You can search for in-network providers using our 2025 provider directory or online provider search tool. </p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-95adc09100-item-0c1016dcd1":{"@type":"mgbhp/components/accordion/item","dc:title":"What if I don’t have a Mass General Brigham doctor? Can I visit other doctors and hospitals? "}}" id="accordion-95adc09100-item-0c1016dcd1"> <h3 class="cmp-accordion__header"> <button id="accordion-95adc09100-item-0c1016dcd1-button" class="cmp-accordion__button" type="button" aria-controls="accordion-95adc09100-item-0c1016dcd1-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What if I don’t have a Mass General Brigham doctor? Can I visit other doctors and hospitals? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-95adc09100-item-0c1016dcd1-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-95adc09100-item-0c1016dcd1-button"><div class="container responsivegrid"> <div id="container-0c1016dcd1" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-afb1f32b48" class="cmp-text"> <p>Our Medicare Advantage plans give you access to Mass General Brigham providers, as well as Mass General Brigham Health Plan’s broader Medicare Advantage network of doctors, hospitals and other providers across the state. </p> <p> <br /> You'll also be covered for non-emergency or routine care from any Medicare-participating provider anywhere in the U.S. – even if they’re not part of our provider network. Out-of-network care and services may require prior authorization and cost more than in-network services. </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"> <div id="separator-731549df06" class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="containerlayout --margin-small-top --margin-small-bottom aem-GridColumn aem-GridColumn--default--12"><div class="cmp-containerlayout --grid-normal-one-column --site-max-width --bg-color-neutral-white"> <div class="cmp-containerlayout__content-column "> <div class="text component-heading-typography"> <div id="text-1d8fd17a25" class="cmp-text"> <p>Benefits and savings</p> </div> </div> <div class="text component-body-typography"> <div id="text-b0e113759d" class="cmp-text"> <p>Find more information about the additional benefits included in our plans on our <a href="/plans/benefits" target="_self" rel="noopener noreferrer">benefits and savings</a> page.</p> </div> </div> <div class="accordion panelcontainer"> <div id="accordion-a9a62ce7f4" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-a9a62ce7f4-item-f8dd663a4a":{"@type":"mgbhp/components/accordion/item","dc:title":"What is included in your Medicare Advantage plan benefits? "}}" id="accordion-a9a62ce7f4-item-f8dd663a4a"> <h3 class="cmp-accordion__header"> <button id="accordion-a9a62ce7f4-item-f8dd663a4a-button" class="cmp-accordion__button" type="button" aria-controls="accordion-a9a62ce7f4-item-f8dd663a4a-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What is included in your Medicare Advantage plan benefits? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-a9a62ce7f4-item-f8dd663a4a-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-a9a62ce7f4-item-f8dd663a4a-button"><div class="container responsivegrid"> <div id="container-f8dd663a4a" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-d6f1c577c6" class="cmp-text"> <p>We offer a comprehensive benefit package to provide complete coverage for wherever you are in your health journey. Whether you’re looking to stay fit and healthy or dealing with a chronic condition, Mass General Brigham Health Plan can help you live life to the fullest. Our plans provide benefit coverage including dental, hearing, vision, OTC, fitness, a Flexible Benefit Card, transportation benefits, and meal delivery benefits.</p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-a9a62ce7f4-item-aeba51800d":{"@type":"mgbhp/components/accordion/item","dc:title":"Where can I find my Medicare Advantage Summary of Benefits?"}}" id="accordion-a9a62ce7f4-item-aeba51800d"> <h3 class="cmp-accordion__header"> <button id="accordion-a9a62ce7f4-item-aeba51800d-button" class="cmp-accordion__button" type="button" aria-controls="accordion-a9a62ce7f4-item-aeba51800d-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Where can I find my Medicare Advantage Summary of Benefits?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-a9a62ce7f4-item-aeba51800d-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-a9a62ce7f4-item-aeba51800d-button"><div class="container responsivegrid"> <div id="container-aeba51800d" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-011bde7303" class="cmp-text"> <p>You can review plan documents, including the Evidence of Coverage and Summary of Benefits, for each of our Medicare Advantage plans on their respective plan pages. </p> <p> You can find the plan pages at the links below. </p> <p style=" margin-left: 40.0px; "><a href="https://massgeneralbrighamadvantage.org/plans/advantage-secure-hmo">Mass General Brigham Advantage Secure (HMO-POS)</a><br /> <a href="https://massgeneralbrighamadvantage.org/plans/mass-general-brigham-advantage">Mass General Brigham Advantage (PPO)</a><br /> <a href="https://massgeneralbrighamadvantage.org/plans/advantage-premier-ppo">Mass General Brigham Advantage Premier (PPO)</a><br /> <a href="/plans/advantage-signature-ppo">Mass General Brigham Advantage Signature (PPO)</a></p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-a9a62ce7f4-item-15f4bf6348":{"@type":"mgbhp/components/accordion/item","dc:title":"Am I covered when I travel outside of the United States?"}}" id="accordion-a9a62ce7f4-item-15f4bf6348"> <h3 class="cmp-accordion__header"> <button id="accordion-a9a62ce7f4-item-15f4bf6348-button" class="cmp-accordion__button" type="button" aria-controls="accordion-a9a62ce7f4-item-15f4bf6348-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Am I covered when I travel outside of the United States?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-a9a62ce7f4-item-15f4bf6348-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-a9a62ce7f4-item-15f4bf6348-button"><div class="container responsivegrid"> <div id="container-15f4bf6348" class="cmp-container"> <div class="text component-body-typography"> <div id="text-cebe532660" class="cmp-text"> <p>As a Mass General Brigham Health Plan Medicare Advantage member, you are covered anywhere for emergency and urgent care. This includes the hospitals and centers in your community and any place around the world. </p> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-a9a62ce7f4-item-2f31236b4f":{"@type":"mgbhp/components/accordion/item","dc:title":"Do your plans include vaccine coverage?"}}" id="accordion-a9a62ce7f4-item-2f31236b4f"> <h3 class="cmp-accordion__header"> <button id="accordion-a9a62ce7f4-item-2f31236b4f-button" class="cmp-accordion__button" type="button" aria-controls="accordion-a9a62ce7f4-item-2f31236b4f-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Do your plans include vaccine coverage?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-a9a62ce7f4-item-2f31236b4f-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-a9a62ce7f4-item-2f31236b4f-button"><div class="container responsivegrid"> <div id="container-2f31236b4f" class="cmp-container"> <div class="text component-body-typography"> <div id="text-769c80c1fa" class="cmp-text"> <p>Yes. Our plans include coverage with no cost sharing for vaccine services covered under Medicare Part B. These include: </p> <ul><li>The pneumonia vaccine </li><li>Flu shots, once each flu season in the fall and winter, with additional flu shots if medically necessary. </li><li>Hepatitis B vaccine if you are at high or intermediate risk of getting Hepatitis B. </li><li><span style="">Other vaccines if you are at risk and they meet Medicare Part B coverage rules. </span><br /> </li></ul> <p>We also cover some vaccines under our Part D prescription drug benefit at no cost to you. Your costs for a Part D vaccination depend on the type of vaccine, where you get the vaccine, and who gives you the vaccine. You can find more details about Part D vaccines in the Evidence of Coverage documents available on our <a href="https://massgeneralbrighamadvantage.org/plans">plan pages</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"> <div id="separator-332711a396" class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="containerlayout --margin-small-top --margin-small-bottom aem-GridColumn aem-GridColumn--default--12"><div class="cmp-containerlayout --grid-normal-one-column --site-max-width --bg-color-neutral-white"> <div class="cmp-containerlayout__content-column "> <div class="text component-heading-typography"> <div id="text-09ad53e3f2" class="cmp-text"> <p>Eligibility and enrollment</p> </div> </div> <div class="text component-body-typography"> <div id="text-cc3b3f542d" class="cmp-text"> <p>Visit our <a href="/plans/eligibility" target="_self" rel="noopener noreferrer">eligibility</a> page for more information about who qualifies for our Medicare Advantage plans and when you can enroll.</p> </div> </div> <div class="accordion panelcontainer"> <div id="accordion-486ef9c280" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-cc83a6bbb4":{"@type":"mgbhp/components/accordion/item","dc:title":"Who is eligible for Medicare Advantage? "}}" id="accordion-486ef9c280-item-cc83a6bbb4"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-cc83a6bbb4-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-cc83a6bbb4-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Who is eligible for Medicare Advantage? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-cc83a6bbb4-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-cc83a6bbb4-button"><div class="container responsivegrid"> <div id="container-cc83a6bbb4" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-6b9511f044" class="cmp-text"> <p>Most people become eligible for Medicare Advantage after turning 65 and enrolling in Original Medicare (Part A and B). </p> <p>Medicare is also available for some people with disabilities under 65. To qualify for this coverage, individuals need to meet specific criteria with the Social Security Administration which can be verified on their website.<br /> </p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-58608ca955":{"@type":"mgbhp/components/accordion/item","dc:title":"Can I enroll in a Medicare Advantage plan anytime? "}}" id="accordion-486ef9c280-item-58608ca955"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-58608ca955-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-58608ca955-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Can I enroll in a Medicare Advantage plan anytime? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-58608ca955-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-58608ca955-button"><div class="container responsivegrid"> <div id="container-58608ca955" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text component-body-typography aem-GridColumn aem-GridColumn--default--12"> <div id="text-2baefd316a" class="cmp-text"> <p>You can only enroll in Medicare during specific enrollment periods, or under special circumstances. Individuals with disabilities may be able to enroll before they turn 65 and outside of standard enrollment periods. You may also be able to enroll based on certain qualifying events, including losing employer coverage or retiring.</p> </div> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-1b3b71a2aa":{"@type":"mgbhp/components/accordion/item","dc:title":"What are the Medicare Advantage open enrollment periods?"}}" id="accordion-486ef9c280-item-1b3b71a2aa"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-1b3b71a2aa-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-1b3b71a2aa-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What are the Medicare Advantage open enrollment periods?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-1b3b71a2aa-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-1b3b71a2aa-button"><div class="container responsivegrid"> <div id="container-1b3b71a2aa" class="cmp-container"> <div class="text component-body-typography"> <div id="text-9393226cf9" class="cmp-text"> <p>Medicare Advantage has several enrollment periods throughout the year with different requirements for eligibility. </p> <p>Initial Enrollment Period (IEP) typically begins 3 months before the month of your 65th birthday and ends 3 months after. </p> <p>Annual Enrollment Period (AEP) runs from October 15 to December 7. You can enroll in a new Medicare Advantage plan, switch plans, or leave a plan. </p> <p>Open Enrollment Period (OEP) runs from January 1 to March 31. You can switch plans during this time or return to Original Medicare but can’t enroll in a new plan.<br /> </p> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-675f592e53":{"@type":"mgbhp/components/accordion/item","dc:title":"Are there Medicare disability eligibility requirements? "}}" id="accordion-486ef9c280-item-675f592e53"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-675f592e53-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-675f592e53-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Are there Medicare disability eligibility requirements? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-675f592e53-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-675f592e53-button"><div class="container responsivegrid"> <div id="container-675f592e53" class="cmp-container"> <div class="text component-body-typography"> <div id="text-33f7a4f165" class="cmp-text"> <p>Some people under 65 may also qualify for Medicare based on disability. IEP for someone who qualifies based on disability begins 3 months before their 25th month of disability benefits and ends 3 months after. Learn more about Medicare eligibility based on disability on the Social Security Administration website.</p> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-b094421e55":{"@type":"mgbhp/components/accordion/item","dc:title":"Do I need Medicare if my (or my spouse’s) coverage is still active through an employer?"}}" id="accordion-486ef9c280-item-b094421e55"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-b094421e55-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-b094421e55-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Do I need Medicare if my (or my spouse’s) coverage is still active through an employer?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-b094421e55-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-b094421e55-button"><div class="container responsivegrid"> <div id="container-b094421e55" class="cmp-container"> <div class="text component-body-typography"> <div id="text-5ae2ca95ce" class="cmp-text"> <p>If you're going to keep your (or your spouse's) current employer coverage: </p> <ul><li>Find out if you need to enroll in Part B to avoid penalties—it may be necessary if your employer has fewer than 20 employees. </li><li>Ask your employer if your plan’s prescription drug coverage is as good as Medicare’s coverage (it’s called “creditable coverage”). If not, enroll in Part D to avoid penalties.</li></ul> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-f789ecf67d":{"@type":"mgbhp/components/accordion/item","dc:title":"What should I do if I’m not keeping my employer coverage? "}}" id="accordion-486ef9c280-item-f789ecf67d"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-f789ecf67d-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-f789ecf67d-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What should I do if I’m not keeping my employer coverage? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-f789ecf67d-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-f789ecf67d-button"><div class="container responsivegrid"> <div id="container-f789ecf67d" class="cmp-container"> <div class="text component-body-typography"> <div id="text-742cf0cd3e" class="cmp-text"> <p>If you're not keeping your employer coverage: </p> <ul><li>Talk to your employer to see if there are other options or plans available to people 65 and older. </li><li>Enroll in Parts A and B once you’re eligible.</li><li>Consider Part C (Medicare Advantage) or supplemental plans for additional coverage. Medicare Advantage plans often feature no deductibles on medical services and offer benefits that go above and beyond Part A and Part B coverage. </li><li>Sign up for Part D prescription drug coverage. Many Medicare Advantage plans are offered with Part D drug coverage included.</li></ul> </div> </div> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-486ef9c280-item-3a8daa380d":{"@type":"mgbhp/components/accordion/item","dc:title":"What do I do if my current coverage wasn’t purchased through an employer? "}}" id="accordion-486ef9c280-item-3a8daa380d"> <h3 class="cmp-accordion__header"> <button id="accordion-486ef9c280-item-3a8daa380d-button" class="cmp-accordion__button" type="button" aria-controls="accordion-486ef9c280-item-3a8daa380d-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What do I do if my current coverage wasn’t purchased through an employer? </span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-486ef9c280-item-3a8daa380d-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-486ef9c280-item-3a8daa380d-button"><div class="container responsivegrid"> <div id="container-3a8daa380d" class="cmp-container"> <div class="text component-body-typography"> <div id="text-d1d201c60c" class="cmp-text"> <p>For all other qualified health plans, you will need to enroll in Medicare Part A and Part B and have prescription drug coverage that’s as good as Medicare’s standard plan (or enroll in Part D) to avoid penalties. A Medicare Advantage plan is a great way to get all the parts of Medicare in one plan. If you choose to keep your current coverage once you turn 65, you will lose any premium tax credits or other savings you are currently receiving. Since you will still need to enroll in Medicare Part A and B, a Medicare Advantage plan may be a better alternative. </p> <p>If you have an Essential Plan, your plan will end at age 65 and you will need to enroll in Medicare for health coverage.</p> <p> </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"> <div id="separator-62919cd4e2" class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="containerlayout --margin-large-top --margin-small-bottom aem-GridColumn aem-GridColumn--default--12"><div class="cmp-containerlayout --site-max-width --grid-normal-one-column --bg-color-neutral-white"> <div class="cmp-containerlayout__content-column "> <div class="contactus"><div class="cmp-custom-contact-us__container "> <din class="cmp-custom-contact-us__top"> <div class="cmp-custom-contact-us__top-img"> <svg width="404" height="300" viewBox="0 0 404 300" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M103.794 131.899C103.794 131.899 104.96 131.871 105.384 131.862C119.489 131.569 128.857 118.345 128.857 103.845V103.43C128.857 87.808 116.234 75.1429 100.663 75.1429H30.1949C14.623 75.1429 2.00043 87.808 2.00043 103.43V103.845C2.00043 119.467 14.623 132.132 30.1949 132.132H82.1628L104.094 150.571" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M300.206 58.756C300.206 58.756 299.04 58.728 298.617 58.7195C284.512 58.4257 275.143 45.2019 275.143 30.7019V30.2876C275.143 14.6651 287.766 2 303.337 2H373.806C389.377 2 402 14.6651 402 30.2876V30.7019C402 46.3244 389.377 58.9887 373.806 58.9887H321.838L299.907 77.4285" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M319.464 175.577C319.464 175.577 318.519 175.555 318.175 175.548C306.739 175.312 299.143 164.692 299.143 153.049V152.715C299.143 140.17 309.377 130 322.003 130H379.139C391.766 130 402 140.17 402 152.715V153.049C402 165.594 391.766 175.764 379.139 175.764H337.003L319.222 190.571" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M352.286 175.714V284.285" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M351.714 130V99.2899C351.714 96.6842 349.607 94.5714 347.007 94.5714H266.5" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M351.926 296.857H26.108C20.3682 296.857 15.7146 292.098 15.7146 286.227V284.285H396.856" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M57.4286 132.286V284.286" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M263.09 193.258C267.283 191.69 272.11 188.314 274.914 183.409L268.317 176.34C267.167 174.852 266.542 173.022 266.542 171.138V104.515C266.542 67.6004 235.909 37.8784 198.804 39.6342C164.049 41.2791 137.311 71.3624 137.311 106.338V166.72C137.311 173.186 136.504 175.233 135.053 176.803L129.435 182.876C129.435 182.876 133.787 190.417 140.894 193.841" stroke="#003A96" stroke-width="3"/> <path d="M264 193.072C258.329 195.187 251.504 195.414 248.795 195.045C240.317 193.89 225.956 185.318 223.992 165.757M140.5 193.574C142.755 194.656 145.263 195.789 148.021 195.676C159.108 195.219 177.82 190.499 178.941 165.757" stroke="#003A96" stroke-width="3"/> <path d="M166.264 190.145C166.264 190.145 177.313 210.78 201.872 210.466C226.431 210.152 238.083 190.145 238.083 190.145" stroke="#003A96" stroke-width="3"/> <path d="M184.586 82.0566C184.586 82.0566 177.817 112.112 156.531 110.531C156.531 110.531 147.14 104.519 149.018 118.756C150.896 132.993 153.713 130.779 155.904 129.83C155.904 129.83 159.27 141.931 171.478 157.513C178.627 166.637 188.347 174.568 201.871 174.438C211.686 174.345 219.867 169.363 226.337 163.794C241.775 150.506 248.093 129.197 248.093 129.197C248.093 129.197 252.084 132.255 253.18 125.005C254.63 115.411 253.259 105.469 248.876 109.898C248.876 109.898 216.32 121.92 191.904 93.7626" stroke="#003A96" stroke-width="3" stroke-linejoin="round"/> <path d="M277.676 206.774C277.676 206.774 298.58 220.602 301.699 223.974C304.819 227.347 307.939 230.954 308.563 236.969C309.187 242.984 315.427 284.376 315.427 284.376" stroke="#003A96" stroke-width="3"/> <path d="M147.849 195.688C147.849 195.688 98.3401 218.49 95.9901 229.339C93.6401 240.189 88 284.376 88 284.376" stroke="#003A96" stroke-width="3"/> </svg> </div> <din class="cmp-custom-contact-us__top-text"> <div class="cmp-custom-contact-us__top-title"> <p tabindex="0"></p> <p tabindex="0">Have questions? Ask an Advisor</p> </div> <div class="cmp-custom-contact-us__top-subtitle"> <span class="cmp-custom-contact-us__top-subtitle-text" tabindex="0"> Our dedicated Medicare Advisors are here to help. 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