MA Insurance Bulletin on Medicare Health Coverage Guide

COMMONWEAL TH OF MASS ACHUSET TS Offi ce of Consu mer Affai rs and Busin ess R egulation DIVISION OF I NSURANCE One Federal S treet, Suite 700 • Boston, MA 02110 (617) 521 - 7794 • (877) 563 - 4467 • www.m ass.gov/doi ERIC PALEY SECRETARY MAURA T. HEALEY LAYL A R. D’EMILIA G OVERNOR UNDERSECRETARY KIMBE RLEY DRISCOL L MICHAEL T. CALJOUW LIEUTENANT GOVERNOR COMM ISS ION E R BULLETIN 202 5- 06 To: Comm ercial Health Insurers, Health M ainten ance Organi zations, and Blue Cross an d Blue Shiel d of Massach usetts, Inc. From: Michael T. Caljo uw, Commissioner of Insurance Date: December 19, 2025 Re: Attachm ent to “Gui de to H ealth Insu rance fo r Peopl e with Med icare” Attached please find a copy of “A Massachusetts Consum er’s Guide to Medicare.” Pursuant to Massachusetts regulations 211 CMR 42.09(4) and 211 CMR 71.13(2)(d)4, the Massachusetts Consumer’s Guide to Medicare is provided a s an attachment along with the annual fede ral publication “Choosing a Medigap Policy: A Guide to He alth Insurance for People with Medicare” to persons eligible for Medicare. This federal publication is available to read, print or order at www.medica re.gov/publications, keyword search Medigap. Please al so be aw are th at due t o concerns about Medicar e - eligible persons being exposed to marketing scams, the Division of Insurance has posted an advisory on its website at https://www.mass.gov/doc/protect- against - m edicar e - related -sc ams/download. It is suggested that consumers be made a wa re of this advisory so tha t they are aware of steps to take to protect them from such scam s. If you have any que stions about this bulletin, please contact Niels Puetthoff, D irector of the Division’s Bureau of Managed Care, at 617-521-7326 or Niels.Puetthoff@mass.gov.

2026 Massach usetts Consumer Gui de to Med icare SHINE Progra m This project is supported in part by Grant #90SAPG, fro m the US Administr ation for C ommunity L iving, Depart ment of He alth an d Hu man Services, Washington DC, 20201. Grantees undertaking projects wi th government sponsorship are enc ouraged to express freely thei r findings and concl usions. Points of view or opinions do not, ther efore, necessarily represent official ACL policy. Updated Nove mbe r 2025

Table of Contents Enrolling in Medicare ----- ------- ------ ------- ------ ------ ------ ------ ------- ------ ------ ------ ------ ------ ------- ---- Page 3 What is Medicare? ------- ------ ------ ------- ------ ------ ------ ------ ------ ------- ------ ----- ------- ------ ------- ------ Page 4 Introduction to Medicare Advantage, Medicare Suppl ement (Medigap) and Part D Plans ----- ---- Page 6 Online Tool to Compare Options --- ------ ------ ------- ------ ------ ------- ------ ------ ------ ------ ------ ------- ---- Page 8 How to Create an Account ---- ------ ----------- ------ ------- ---------- ------- ------ ------ ------ ---------- ------- ---- Page 9 Your Medicare Options --------- ------ ------- ------ ------ ------ ------ ------- ------ ------ ------ ------ ------ ------- --- Page 10 List of Available Medicare Advantage Plans ---- ------- ------ ------ ------- ------ ----- ------- ------ ----------- -- Page 11 List of Available Medicare Advantage Special Needs Plans -- ------ ------- ----- ------- ------ ------- ------ -- Page 14 List of Available Medicare Supplement Plans ---- ------- ------ ------- ------ ------ ------ ------ ------ ------- ---- Page 1 5 List of Available Medicare Part D (Prescription D rug) Plans -------- ------ ------ ------- ------ ------- ------ - Page 19 Page 2 of 20

Medicar e Guide Disclaimer: This guide covers the basics – and just the basics – about applying for Medicare. I t does not include every det ail of t his complicated subject. You can contact SHI NE (Serving Healt h Insurance Needs of Everyone) for more information. SHINE is an educational resource t hat is designed to inf orm you about the complexities of Medicare. Information was obtained via the Social Security, Medicare, and Division of Insurance websites, IRS, as well as the Medicare & You Handbook. Are you re ady to enroll in Medicare? If so, you r fi rst step sh ould be to contact t he So cial Security Admi nistration! If you’re turning 65 in t he next 3 months and not ye t receiving benefits from the Social Sec urity Administration, you will n ot get Medicare automatically! It is your responsibility to con tact Social Security if you wish to enroll in Medicare. You wi ll not receive any reminders or notifications from either Social Security or Medicare. Socia l Security Disab ilit y I nsurance (SSDI) and Medicare - If you’re under 65 and have a disabil ity, you’ll automatically get Part A and Part B once you have received 24 months of SSDI payment s. Social Security manages enrollment in Parts A an d B, and will review your records to see if you qualify for Medicare. They will determ ine if you qualify f or premium - free Part A, and w hat your m onthly pre mi um for Part B will be, bas ed on your income. If you have a higher income, your Part B and Part D premi ums may be higher. This is known as the Income - Related Monthly Adjustment Amount (IRMAA). Your Part B Medicare Costs. Effective January 6, 2025, SSA will require customers to schedule an appoi ntment for service in their field offices, including requests for Social Securit y cards. SSA encourages customers to become accustomed to: • online services, where many transactions can be completed conveniently and securely, and • automated services availabl e on the Nat ional 800 # at 1- 800 - 772 - 1213. Customers who are not abl e to handle their business online or wit h the automated options, m ay call their local Social Security office or the Na tional 800# to schedule an appointment. SSA will not turn people aw ay for service who are unable to make an appointment or do not want to make an appointment. For example, members o f vulnerable populations, military personnel, people with ter minal illnesse s, and indivi duals with other situations requiring immediate or specialized att ention may still wa lk in for service at the field offices. Som e of th e offices also have minimal to no wait times, and they will still serve customers w ho walk in. o 1 - 800 - 772 -1 213; Social Security Website (www.ss a.gov) Page 3 of 20 NO TE: In most situations, Medicare eligibi lity is under a beneficiary’s own social security number. However, in the event the beneficiary is collecting spousal’s/widow/widower benefits, then the Medica re entitlement would be transferred to the reco rd where the beneficiary curr ent ly collects cash benefits. The beneficiary still retain s his/her own unique Medicare number which shows on their Medicare.gov account (see page 8 of this guide). Click He re f or I nformation on Medicare Enrollment TIP: Social Security highly recommends that you c reate a perso nalized Soc ial Security accoun t to enr oll in Medi care

What is Medicare? Medicare is the federal health insurance program that was created in 1965 fo r people 65 & older and som e under 65 with disabilit ies to help with their hos pital and medical coverage. The prog ram helps with the cost of health c are but it is not c omprehensive; it does n ot cover all medical expenses or t he cost of long - term care. Different parts of Medicare help cover sp ecific services Pa rt A – Hospital Insurance Part B – M edical Insur ance Part D – Pr escription Dru g Coverage Preventive Services Medicare does provide numer ous pre vent iv e services at no c ost to beneficiaries (ex. Vaccines, s creenings, etc.) A complete list of these services is a vailable at this link: Medicare Par t B Prevent ive Service s Who is Eligibl e? You are elig ible f or Medicare if y ou are: o 65 years old or older and a U.S. citiz en or lawfully per mitted resident of the United St ates. o Medicare is available for certain people with disabilities who are under age 65. These individuals m ust have received 24 m ont hs of Social Security Disability Insurance (SSDI) benefit payments or ha ve End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). o Most people ar e eligib le for pr emium - free Part A if they have paid Medicare taxes long enough through their own or a sp ouse’s or ex - spouse’s work recor d. If you are w orking and covered by your e mployer’s group health plan (o r by a spous e’s plan), you m ay want to delay enrollment in P art B and enroll only in Part A. You should check with your employer benefits manager on whether or not you need to enroll in P ar t B. The numbe r of employees in your e mployer group health plan may determine if you need to enroll in Medicare as your primary insurance. You can also delay enrollment in Part A unless you are already collecting Social Security benefits. If you have a He alt h Savings Account (HSA) as part of a hi gh deductible employer i nsurance pl an, you may want to delay Part A bec ause you cannot contribute to t he HSA once your Part A coverage begins. You may use money t hat is already present in the account after you enroll in M edicare to help pay f or deductibles, premiums, copayments, or coinsurance. If you contribute to your H SA after your Medicare Part A coverage starts, you may have to pa y a tax penalty. You should stop HSA contributions six months pri or to retir ing. For further HSA questions, refe r to the IRS publication 969, their Hum an Resour ces Depar tment or professionaltax accountant. IRS Publication 969 (2022) Health Savings Accounts Medicare ha s specifi c enroll ment per iods: 1. Init ial Enr ollment Per iod (Part s A, B, C & D) 2. General Enrollment Perio d (Parts A & B) 3. Open Enrollment Period (Par ts C & D) 4. Medic are Advantag e Open Enr ollment Period (MA OEP) (Part C & D- m ust be e nroll ed in an MA plan between Jan 1 st and March 31 st) 5. Special Enrollment Pe riod (Parts B, C & D) For more infor mation please visit: Medicare.gov - When does Medicare Coverage Sta rt? If you do not enroll during your Init ial Enrollment Period, you may be subject to late enrollment PEN ALTIES (with s ome exceptions), and a possible delay in your coverage. Page 4 of 20 To enroll in Part B outside of the Initial Enrollment Period & G eneral Enr ollment, you must qualify for a Special Enrollment Period (eg. Losing Employer based coverage) Part C (Medica re Advantage) c ombine s Part A, B and usually P art D in one pla n.

Initial E nrollment Pe riod 3 months before the month y ou tu rn 65 2 months before the month you tu rn 65 1 month befor e the month you tu rn 65 The m onth you turn 65* 1 month after th e month you turn 65 2 m onths after t he month y ou tu rn 65 3 months after t he month you tu rn 65 Enroll early to avoid a delay in cover age. T o get Part A and Par t B the month you t urn 65, you must enroll during the first 3 months before the month you turn 65. If you wait until the last 4 months of your I nitial Enro llment Period to enroll, your Par t B coverage will begin t he f irst of the month following the month o f enrollment. * if your birthday fa lls on the fir st day of the mont h, y our coverage would be effectiv e a month earlier Penalties o Part A Late Enrollment Penalty  If you enroll l ate, and aren’t eligib le for premi um - free Part A, your monthly premium may go up 10% for twice the number of years you signed up late. o Part B Late Enrollment Penalt y  If enro lling l ate, Part B penal ty i s a surcharge added t o your monthly P art B premium for li fe. The Part B late enrollme nt penalty is calculated as 10% of the current Part B premiu m for ever y 12 month period you were not en rolled and did not have active employer cov erage. o Part D Enr ollment Penalt y  If you do not have Part D cover age, even i f y ou take no prescr iption dr ugs you can incur a lifet ime penalty. The P art D penalty is c alculated as 1% of the national base beneficiary premi um for each month you were not enrolled in a Part D plan and di d not have creditable coverage. Protectio n f rom Penalt ies o Once you are eligible for Medicare, as long as you are wo rking and covered by your employer’s group health pl an (or by a spouse’s plan), you will not be assessed a Pa rt B Lat e Enrollment penal ty. You will need to prov ide an Employment Let ter to Social Securit y. COBRA does not provide coverage from the Part B penalty. o After you enr oll in Medicare, if you h ave creditable drug coverage fro m any sourc e, including employer, VA coverage, or COBRA coverage, you will not be assessed a Part D lat e enrollment penalty. If you los e this creditable coverage, you will have up to two months to enroll i n a Medicare drug plan to a void any penalties. Two Options fo r Medicare Once you hav e enrolled in Medicare A and B v ia Social Security, you will have two op tions: (See page 9 for a comparison chart) 1) Original Medicar e (Par ts A & B) with an optional Medi gap and/or sta ndalone drug plan (Part D) 2) Medicare Advantage plan (also known as Medicare Pa rt C or MA plan). *You m ust hav e Part A and Part B in order to have a MA pla n. Page 5 of 20

Medicare Advantage Plans Medicare Advantage (a lso known as Medicare Par t C or MA plan) is an “all in one” alternative to Original Medicare (Part s A and B). These bundled plans are of fer ed by private insurance companies that contract with Medicare to provide beneficiaries with all of their Medicare be nefits that include Part A, Part B, and u sually Part D. Key Component s of an MA Pla n: • O ut - of - pocket costs can vary. Some plans may have lower out - of - pocket costs than oth ers for certain services. • W ith Medicare Advantage, you can choose between an H MO, PPO or an HMO - PO S plan. You mus t us e doctors and/or other t ypes of providers who are in the plan’s network if your Medicare Advantage Plan is an HMO (Healthcare Maintenance Organization). You may also need to ge t a refer ral to s ee a specialist. For PPO and H MO - POS plans, you may have the option of choosing ou t of network doc tors but you will usually pay higher co - pays. Ask your primary doctor or other providers you use if they participat e in any Medicare Advantage plans. • Emer gency services w ill be covered anywhere within the United S tates. If you are traveling ou tside your region (zip code/county), check with your plan fo r coverage information. • Most plans offer extra benefits that Original Medicare doesn’t cover, like routine/ limited vision, hearing, and dental. Check with your plan for coverage information. • You may pay a premium for the plan in addition to the mon thly premium for Part B. Some plans hav e no monthly premium. Make sure to check yo ur maximum out - of - pocket cost before committing to any plan. To be elig ible for a plan, you must: o Ha ve bot h Medicare Part A & Part B o Reside in the plan’s geogr aphic serv ice area When can I enrol l or di senroll in a M edicare Advantage Plan? o Initial Enrol lment Per iod o Special E nrollment Pe riod o Open Enr ollment (October 15 - December 7) o Medicare Advantage Open Enro llment Per iod (Januar y 1 - March 31)  Note: You m ust be enrolled in a Medicar e Advantage Plan bet ween January 1 st an d Mar ch 31 st in order to make any changes. Things to consider befo re choosing Medicare Advant age: o Do y our medical providers accept the plan or are y ou will ing to change pr oviders?  PLEASE call all of your providers to conf irm plan acceptance! o How m uch are the premiu m, copays, and coinsurance? o What is the plan’s m aximum out of pocket cost for the year? o Do you need to g et referra ls to s ee a spe cialist? o Ar e your prescr iption dr ugs on the plan’s formular y and what is the cost and are there any restrictions? Page 6 of 20

Medicare M edical Savin gs Account s Not Current ly avail able in Massac husetts Medicare Medical Savings Accounts (MSA) are consumer - directed plans that pair high deduct ible c overage with a Medical Savings Account. Al though these plans are considered Medicare Advantage plans, there a re some important distinctions: o M SA plans do n ot include Part D dr ug cov erage. Individuals who sign up for an MSA would need to join a separate Part D plan to h ave drug coverage. o Ther e are no net works, b ut indivi duals m ust use providers that accept their MSA p lan (See pages 10 - 12 for a Li st of Medi care Advant age Pl ans Currently Offere d in Massachusetts) Medigap Plans Medigap plans, also kn own as supplements, provide ext ra c overage beyond Medicare by f illing s ome of t he gaps in Medicare coverage. Medigap plans do not provide prescription drug coverage. In Massachusetts, there are 7 private insurance c ompanies that offer supplement plans across the stat e. Massachusetts of fer s continuous open enr ol lment, which allows you to enr oll, change or dro p you r plan any month for an effe ctiv e dat e the 1 st of the following month of enrollment. Medigap pl ans in Massachuse tts are also community rated, this means the sa me monthly premium is charged to everyone who ha s the Medigap policy regardless of age or medical history. (See pages 13 - 15 for a List of Medigap Plans Currently Off ered in Massachusetts) Part D Prescription Drug Plans: Even if you do not take any prescr iption medications, you MU ST have a Part D pl an to avoid a lifetim e penalty unless you have other creditable coverage. If yo u h ave a Medicare Advantage plan, mo st include Par t D coverage. If you do n ot have a Medicare Advantage plan, you can enroll in a Medicare Part D Stand - alone Presc ription Drug Plan (PDP). You cannot enroll i n a stand - alone Part D pl an and an Medicare Advant age Prescription Dr ug plan (MA - PD). Beneficiaries with higher incomes will pay more tha n the standard prem ium for either type of plan due to IRMAA. Your Part D P rem ium Cos ts There are 3 phases of Part D drug coverage; 1) Deductible 2) Initial and 3) Catastrophic. Depending on your drug plan, as well as you r annual prescription drug costs, you may not reach all of these phases. Choosing a Part D Pl an: These are t he things to consider when choosing a Part D plan o What is the Total Co st (pr emiums and co - pays)? o Are y our pr escription dr ugs cover ed? o Does the plan have a ded uctible? o Ar e there any restri ctions? (Quantity Lim its, Prior A uthorizati on, Step Therap y, or in/out of networ k) o W hat ph armac ies ar e in - network and are any prefer red? Medicare Prescription Payment Plan The Medicare Prescription Payment Plan is a new payment option in the pr escription drug law that works with your current drug coverage to help you manage yo ur out - of - pocket cost s f or drugs covered by your plan by spreading t hem across the calendar year (January – December). Starting in 2025, anyone with a Medicare drug p lan or M edicare health plan with drug coverage (like a Medicare Ad vantage Plan with dr ug coverage) can use this payment op tion. All plans offer this payment option, and partic ipation is voluntary. If you select this payment option, each m onth you’ll continue to pay your plan premium (if you have one), and you’ll get a bill from your health or drug plan t o pay for yo ur prescription drugs (instead of paying the pharmacy). There’s no cost to participate in the Medicare Prescription Payment Plan. Page 7 of 20

On - Line Tool to Com pare O ptions: You can vi ew available Part D dr ug plans and Medi care A dvantage plans using Medi care Pl an Finde r. Go to www.medicare.gov and click on “Find Plans Now” – or talk with a SHINE counselor. TIP: M edicare also highly recomm ends that you creat e a sec ure Medica re a ccount on Medicare.go v (see page 8 for d etailed instruct ions). To assist w ith Medicare, SHINE has highly trained, dedicated volunteers who are re - certified annually. T hey will be gla d to make an appointment with you to fur th er explain and c lar ify your Medicare options. SHINE Counselors can also screen you for eligibility for programs that may reduce you r Medicare costs. These programs, w hich are offered through Social Security, M assHealth and Prescription Advantage, can provide ass istance with pre miu ms, copays, deductibles and prescription drug costs. Helpful Resources: SHINE Program: 1- 800 - 243 - 4636 Medicare: 1- 800 - 633 - 4227 www.medi care.gov/ Social Security Administra tion: 1- 800 - 772 - 1213 www.ss a.gov Mas sHea lth: 1- 800 - 841 - 2900 (Medica id) https:/ /www.mass.gov/massheal th Prescription Advantage: 1- 800 - 243 - 4636 https://www.presc riptionadvanta gema.org/ For a dditional infor mation and a direc tory of S HINE Regional Offices you can also go to: https://www.mas s.gov/info - details/ser ving - the - health - insura nce - needs - of - everyone - s hine - program Page 8 of 20

P a ge 8 Create an Account f or a Person alized Medicar e Pl an Finder Exper ience When you cr eate an accou nt, you can: • Build a better drug list. W e’ll make suggestion s based on pr escriptions you filled withi n the la st 12 months. • Modif y you r drug list a nd save changes. • C ompare benefits and costs in your current plan to other plans available in your area. • See prices based on an y help you get with drug costs. Create you r new account If yo u wan t access to pers onalized in format ion a nd features, you’ll need to create an account. Visit Medicar e.gov/pl an - compare and click “ Log in or creat e account.” Have the follo wing information ready (for yourself or the person you’re helping): 1. Medicar e Number – You can fi nd this on your red, white, and blue Medic are card. If you’re n ew to Me dicare an d don’t have your Medicar e card y et, you c an get your Medicar e number o n the let ter yo u get fro m Social S ecurity after yo u enroll. 2. Last name 3. Date of birth 4. Current address with ZIP code or city 5. Part A or P art B coverage sta rt date (f ind th is on your Medic are card) Once you add this information and selec t “Next,” you can create a userna me and password and use your new Medicare account. You can writ e your username and a password h int below. Just remember to keep t his sheet in a safe place to protect your privacy. Forgot your username or passwor d? If you have an existing account, but forgot th e username or passw ord, click “Trouble signing in?” under the Usernam e box on th e log in page. You’ll need th is information: 1. Medicare number 2. Last name 3. Date of birth CMS Product N o. 1206 4 My Username: My Passwor d Hint:

OPTIO N #1 Original Medica re + • Optional Medigap plan • 3 diff erent types of M edigap plans 1. Core 2. Supplem ent 1A 3. Supplem ent 1* (*On ly if M ed icar e el igib le pr io r to 2020) • Free to choose any doc tor or hospital tha t accepts Medicare • No ref errals ne eded to s ee speciali sts • Does N OT inclu de drug c overage • When changing Medigap plan s, need to call plan to disenroll + OPTIO NAL PART D Stand Alone Pres cripti on Drug P lan • Multip le plans to choose fro m • Automatic disenrollment from Prescription Dr ug Plan when changin g Part D plans OPTIO N #2 Medicar e Adva ntage Plan (Part C) • Option al “Replacement” • Must ma intain Par t A & Part B and mu st pay Part B premium • 4 type s of MA plans 1. HMO (Hea lth Mainte nance Organization) - May use netw ork providers only 2. HMO - POS (HM O with Po int Of Service) - HMO wit h lim ited out of network coverage 3. PPO (Preferred Provider Organization) - Can g o out of ne twork for extra $$ 4. SNP (Special Needs Plans) HMOs for institutionalize d ind ividuals or dual eligible • Usually includes prescription drug coverage. • Cannot have sep arate Pa rt D plan • Cannot live outside service area for more than 6 consecu tive mon ths • Covers some e xtra benefi ts • Usually n eed referrals to see specialists • May ha ve co - p ays an d deductibles • Plans can include prescription d rug coverage • Automatic disenrollment when changing Medicare Advantage Pla ns Page 10 of 20 REQUIRED WITH BOTH OPT IONS MEDICARE Enrolled in Medic are Part A & Part B and continue to pay monthly premiums Your M edicare Options

Med ic are Adva nta ge P lan s in M assa chusetts 2026 Page 11 of 20 Medicar e Advantag e Plans Pros: •Convenien ce of having only one plan (drug plan can be included) •Mor e choices available (H MOs, P POs, MSAs...) •Som e plans have lower pr emiu ms than Medigap plans •Potential for bet ter c oordination of ca re (HM Os provide this) • Some addit ional ben efits su ch as hearing, visi on, dent al, transportation, OTC spending cards and well ness benefits •Annual physical exams covered •No h ospital stay required fo r Skilled Nursing Facility (rehab) coverage •There is a yearly limit on your out - of - pocket costs Cons: •Canno t live outside service area for mo re than 6 co nsecutive months •Usually need referrals to see specialists •Frequen tly h as co - pay s and deductibl es •Limited n etwor k of providers Medicare Health Main tenance Organization (HMO) Plan Can I go anywhere to rec eive care? •No, you may use ne two rk p roviders only, unless you have an emergenc y or urgent situation. What is HMO - P OS? •POS benefit may allow y ou to use doctors, hospitals, and other providers who a re not in the HMO networ k. Do I need a referral to see a specialist? •With an HMO plan, y ou n eed a referral to se e a specialist. Medicare Pre ferred Provid er Organization (PPO) Plan Can I go anywhere to rec e ive care? •PPO plans have a n etwork of provi ders. You may have the option of choos ing out of netw ork doctors but you will usually pay higher out - of - poc ket cos ts. Do I ne ed a referral to see a specialist? •In mo st cases, you do not n eed a referral to see a specialist. Importan t thing s to consider when choos ing any Med icare Ad vantage Plan: · Do your m edical prov ide rs accep t the plan or are yo u willing to change providers? ·How much a re the pre miums, co - pays and co - insurance? ·What is the plan’s maxi mum out - of - po ck et cost for the ye ar? ·Do you need to get referra l to see a specialist? ·Are your prescription dr ugs on t he plan’s formulary and what is the co st and are th ere any

Med ic are Adva nta ge P lan s in M assa chusetts 2026 Health Plan Plan Types Premiums Plans Availab le in the Followin g Counties Aetna Medicare 833 - 859 - 6031 https:// www.aetnam edicare. com/ HMO - POS PPO $0 Bristol, Essex, Hampden, Middlesex, Norfolk, Plymouth, Suffol k, Wor cester Bl ue Cross Blue Sh ield of MA 800 - 678 - 2265 https:// medicare.bluecrossma.com/ HMO HMO - POS PPO $0 - $250 Barnstable, Bristo l, Essex, Franklin, Hampd en, Ha mpshi re, Middles ex, Norfolk, Ply mouth, Suff olk, Worce ster eternalH ealth 833 - 870 - 34 43 https:// eternalheal th.com / HMO PPO $0 Bristol, Mid dlesex, Nor folk, Pl ymouth, Suffolk, Worcest er Fallon Health 888 - 377 - 1980 https://fallon health.org/medicare HMO $0 -$ 207 Barnstable, Berkshir e, Bristol, Essex, Franklin, Ha mpden, Ha mpshire, Middles ex, Nor folk, Ply mou th, S uffolk, Worce ster Health New England 877 - 443 - 3314 https:// healthneweng land.o rg/medic are HMO PPO $0 - $168 Berkshire, F ranklin, Ha mpden, Hampshi re Humana 800 - 833 - 2364 https:// www.humana. com/medi care PPO $0 Bristol, Dukes, Ess ex, Hampde n, Suff olk, Worce ster Page 12 of 20

Med ic are Adva nta ge P lan s in M assa chusetts 2026 Health Plan Plan Types Premiums Plans Availab le in the Followin g Counties Mass Advantage 844 - 941 - 3 768 https://mass advantage.c om/ HMO PPO $0 - $95 Worce ster Mass Gener al Brigha m Healt h Plan 888 - 828 - 5500 https://mass generalbrigh amadvantage.or g HMO - POS PPO $0 -$ 325 Bristol, Duke s, Ess ex, Middlesex, Nantucket, N orfolk, Plymouth, S uffolk, Worce ster Tufts Health Plan 877 - 218 - 4835 https://w ww.tuftsmedicarepreferred.org/ HMO PPO $0 - $255 Barnstable, Bristol, Essex, Hamp den, Hampshire, Mid dlesex, Norfolk, Plymout h, Suff olk, Worces ter PPO plans in all count ies except: Berkshire, Barnstable, Dukes, Franklin, Nantuck et UnitedHea lthcare 800 - 555 - 5757 https:// www.aarpme dicarepl ans.co m/ HMO HMO - POS PPO $0 - $48 Bristol, Essex, Fra nklin, Ha mpden, Hampshire, Mid dlesex, Norfolk, Plymout h, Su ffolk, Worces ter Note that no t all comp anies of fer p lan optio ns in you r a rea; premi ums may vary by county. Call plan directly for details. Page 13 of 20

Special Needs Plans in Massachusetts 2026 Health Plan Plan Type s Plans Av ailabl e in the Foll owing Countie s Commonw ealth Care Alliance 888 - 537 - 58 16 https://www.commonwealthcarealliance.org /ma/ HMO -D- SN P Barns table, B erkshi re, Bristol, Esse x, Franklin, Hampde n, Hampshire, Middlesex, Norfolk, Pl ymouth, Suffol k, W orces ter Fallon He alth/N avicare 877 - 490 - 49 71 https:/ /fall onheal th.org/ find - insurance/navicare.aspx HMO -D- SN P Barnst able, Berksh ire, Bristol, Essex, Franklin, Hampde n, Hampshire, Middlesex, Norfolk, Pl ymouth, Suffol k, W orces ter Mass Gen eral Brigha m Health Pla n 888 - 828 - 5500 https://mass generalbrigh amadvantage.or g HMO -D- SN P Bristol, Dukes, Esse x, Middlesex, Nantucket, N orfolk, Ply mouth, Suffolk Senior Who le Health 888 - 794 - 72 68 https:/ /www.m olina healthc are.c om/memb er s/ma/en - US/pages/home.aspx HMO -D- SN P Brist ol, Essex, Hampden, Hampshi re, Middlesex, Norfolk, Pl ymouth, Suffol k, W orces ter Tufts Hea lth Plan 800 - 890 - 66 00 https://www.tuftsmedicarepreferred.org/plans/2 025 - tufts - health - p lan - seni or - care - options - hmo - snp HMO -D- SN P Barns table, B ristol, Essex, Hamp den, Hampshire, Middlesex, Norfolk, Plymouth, S uffolk, Wo rcester UnitedHe althcare 877 - 443 - 33 14 https: //www.uhc.com/m edicare/me dicare - education/special - needs - plans.htm l HMO -D- SN P HMO - PO S -C- SNP (availa ble only in Esse x, Franklin, Hampden, Hampshire, Plym outh and Worceste r County) HMO - PO S I - SNP (availa ble only in Esse x and Plymouth Cou nty) Brist ol, Essex, Fran klin, Hampd en, Ham pshire, Middlesex, Norfolk, Pl ymouth, Suffol k, W orces ter WellSense H ealth Plan 866 - 752 - 20 77 https://www.wellsense.org/plans/medicare/ma/s enior - c are - options HMO -D- SN P Barnstable, Bristol, Hampden, Plymouth, S uffolk C NOTE: Not a ll co mpani es off er pla n optio ns in ev ery ar ea; p remi ums may v ary by county. Pl ans are availabl e for those who have M edicare and MassHealth S tandard, MassHealth Sta ndard only or the Frai l Elder Waiver. Call plan directly for deta ils.

Med ic are Sup pl emen t Pl ans Offered in Massac husetts 2026 Compar ison of Plans Core Supplement 1 * Supplement 1A Basic Benefits Included In All Plans: Hospitalizat ion Part A Co - p ayments Days 61 - 90: $434 per day Days 91 - 150: $868 per day 365 Additi onal Lifetime Hospital days - P aid in full Part B Coinsuran ce Covera ge of coinsurance, in m ost cases, 20% o f approv ed amount Parts A a nd B Blood Fir st 3 pints X X X X X X X X X X X X X X X Additional Benefits Part A Deductible for Hospita l Da ys 1 - 60 $1,736 per benefit period X X Skilled Nursing Facility Coinsur ance Days 21 - 100 - $217.0 0 per d ay X X Part B Annual Deductible - $283 X Foreign Travel - For Medicare - cov ered s ervices neede d while tra veling ab road. X X Inpatient Day s in M ental H ealth Hosp itals In addi tion t o Medic are' s cover age of 19 0 lifetim e days and less a ny days previo usly covered by plan in same be nefit per iod 60 days per calendar y ear 120 days per benefit period 120 days per benefit period IMPORTANT NOTI CE: Medicare Supplement pre mium rates are r equired to be in effect fo r not less than 12 months. Effe ctive dates shown for each C arrier are based on the most recent filing on recor d with the Division of Insurance. *Only availab le if eligible fo r Medic are prior to 1/1/ 2020. Moving from Supplement 1 to Supplement 1A ma y be subject to restrictio ns. Page 15 of 20

Med ic are Sup pl emen t Pl ans Offered in Massac husetts 2026 Mediga p Ca rriers Plea se note tha t som e rat es may ch ange during 2026 Medicare Supplement Core Medicare Supplement 1 * Medicare Supplement 1A Blue Cro ss & B lue Shi eld of MA (Medex ) 1,2 1- 800 - 678 - 2265 sale s/apps 1- 800 - 258 - 2226 member services 711 (TDD) www.bl uecro ssma.c om (continuous open enrollment) $142.6 4 Effectiv e 01/01/2026 $288.5 5 Effectiv e 01/01/2026 $233.2 4 Effectiv e 01/01/2026 Blue C ross Optio nal Prev entive Care Benefits Rider $ 2.88 Effec tive 01/01/2026 $ 2.88 Effec tive 01/01/2026 $ 2.88 Effec tive 01/01/2026 Fallo n Health & Life Assuran ce Compan y 1- 866 - 330 - 6380 sales /apps 1- 800 - 868 - 5200 membe r services TRS 711 www.f allonhe alth.or g/medsup p (cont inuou s open enr ollme nt) $195.5 0 Effectiv e 01/01/2026 $327.2 5 Effectiv e 01/01/2026 $240.3 5 Effectiv e 01/01/2026 HNE Insur ance Compan y 1- 877 - 443 - 3314 711 (TTY) www.he althne wengla nd.org (contin uous op en enro llment) $173.0 0 Effec tive 01/01/2026 $300.0 0 Effectiv e 01/01/2026 $254.0 0 Effectiv e 01/01/2026 HNE Insur ance Company If you rec eived comm unicati on that yo ur former employer has a contracted relationship with bel ow marketplaces please call: • AON H ewitt: 800 - 350 - 1470 or visit retiree.aon.com • Tower s Watson: 866 - 322 - 2824 or visit my.viabenefit s.com (contin uous open enr ollment) $173.0 0 Effec tive 01/01/2026 $300.0 0 Effectiv e 01/01/2026 $254.0 0 Effectiv e 01/01/2026 Page 16 of 20

Med ic are Sup pl emen t Pl ans Offered in Massac husetts 2026 Medigap Carriers Plea se note tha t som e rat es may ch ange during 2026 Medicare Supplement Core Medicare Supplement 1 * Medicare Supplement 1A HP HC Insur ance Co mpany, Inc. 1- 877 - 906 - 4742 sales/app s 1- 877 - 907 - 4742 me mbe r services 711 (TTY) www.hpf orlife.org (continuous op en enrollm ent) $177. 1 0 Effective 01/01/2026 $315. 15 Effective 01/01/2026 $254. 10 Effective 01/01/2026 Human a Benefit of Illinois, In c. 3 1- 800 - 872 - 7294 sale s/apps 1- 800 - 866 - 0581 member services 1- 800 - 833 - 3301 (TDD) www.hum ana.com (continuous op en enrollment through Ma rch 31, 2026) $165.1 4 Effec tive 06/01/2025 See im porta nt footno te below 3 $283.0 3 Effec tive 06/01/2025 See im porta nt footno te below 3 $235.9 1 Effec tive 06/01/2025 See im porta nt footno te below 3 Tran samer ica Life Insurance Compan y 1- 800 - 458 - 5736 (Group Medicare Su pplement insuranc e sponsored exclu sively f or e ligib le mem bers of the Amer ican Medical A ssociation.) www.a mainsure.com (contin uous op en enro llment) 1- 800 - 247 - 1771 (Group Medicare Su pplement insuranc e sponsored exclu sively f or e ligib le mem bers of the Americ an Institute of Certified Public Accountants (AICPA)) https://forms. cpai. com/per sona l - insuranc e/me dicare - supp/ (contin uous open enr ollment) $157.0 7 Effec tive 12 /01/2025 (Not e: the s ame r ate applies for both AMA and AI CPA co verag e) $271.6 8 Effe ctiv e 12 /01/ 2025 (Not e: the s ame r ate applies for both AMA and AI CPA co verag e) $243.4 3 Effec tive 12/01/20 25 (Not e: the s ame r ate applies for both AMA and AI CPA co verag e) Page 17 of 20

Med ic are Sup pl emen t Pl ans Offered in Massac husetts 2026 Medigap Carriers Plea se note tha t som e rat es may ch ange during 2026 Medicare Supplement Core Medicare Supplement 1 * Medicare Supplement 1A Tufts Insur ance Company Sales: 1- 888 - 508 - 1401 Customer Relati ons: 1- 800 - 701 - 9000 711 (TTY) www.th pmp. org/med supp (continuous op en enrollment) $167.75 Effectiv e 01/01/20 26 $296.45 Effectiv e 01/01/20 26 $253. 55 Effective 01/01/2026 Tufts O ptiona l Dental Rider $38.00 Effectiv e 01/01/20 26 $38.00 Effectiv e 01/01/20 26 $38.00 Effectiv e 01/01/20 26 UnitedH ealthcare In surance Compan y Only for m ember s of AARP www.aarpm edicaresu pplement.c o m 1- 800 - 523 - 5800 (continuous op en enrollm ent) $176.7 5 Effec tive 06/01/2025 $317.5 0 Effec tive 06/01/2025 $247.2 5 Effec tive 06/01/2025 *Only availabl e if e ligible for Medicare prio r to 1/1/2020. Movi ng from Supplement 1 to Supplement 1A may be subject to restrictions. NOTE: If new to Medica re, check with each plan to see what discounts they may offer. 1 Medex Choice is no longer avail able to new cust omers, but existing mem bers may remain enrolled. The premium is $213.03/month in 2025. 2 Medigap 2 cannot be s old to new customers after Decembe r 31, 2005, but e xisting members may remain en rolled. M edex Gold premium is $1,107.54/month in 2026. 3 Humana Be nefit of Illin ois, Inc. has notified the Division tha t it will stop selling all of its Medicare Supplement products beginning April 1, 2026, at which time these products will no longer be available to new customers. All existing members may remain enrolled. In addition to the above - noted Medica re Supplemental plans, Massachusetts residents may enroll in Medi care Advant age Pl ans as well as Part D Prescript ion Drug Plans wi th the Cen ters for Medicare and Medicaid Servic es ("CMS"). For further information rega rding these plans please visit the follow ing websit e: https://www.medicare.gov/find-a-plan/questions/home.aspx Page 18 of 20

202 6 Massach usetts M edicare Part D S tanda lone Prescri ption Dru g Plans Company Plan Name/ Plan ID Monthly Premium Monthly Premium wit h full LIS Aetna Medicare (1 - 833 - 526 - 2445) Aetna Medicare Prescription Drug Plans SilverS cript Choice (S5601 - 004) $32.70 $0 Blue Med icareRx (1 - 877 - 479 - 2227) BlueCross Blu eShield Prescrip tion Dru g Plans Blue Med icareRx Value Plus (S2893 - 001) $20.70 $0 Blue Medi careRx Pr emier (S2893 - 003)* $238.6 0 $202.8 0 Health Care Service Corp (1 - 800 - 735 - 14 59) HealthSpring Prescription Drug Plans HealthS pring A ssurance RX (S5617 - 00 8) $139.3 0 $103.5 0 Humana (1 - 800 - 706 - 0872) Humana Prescription Drug Plans Humana Valu e Rx (S58 84 - 182)* $73.60 $37.80 Humana Bas ic Rx (S 5884 - 102) $ 8.40 $0 Humana Pr emier Rx (S5 884 - 149)* $138.6 0 $102.8 0 * Drug Benefit Category = Enhanced Plans Page 19 of 20

202 6 Massach usetts M edicare Part D S tanda lone Prescri ption Dru g Plans Company Plan Name/ Plan ID # Monthly Premium Monthly Premium with full LI S UnitedH ealthcar e (1 - 888 - 867 - 5564) United Health Care Prescriptio n Drug Plans AARP Medicare Rx P referr ed f rom UHC (S592 1 - 385)* $155.1 0 $119.3 0 AARP Medicare Rx S aver from UHC (S592 1 - 348) $38.70 $2.90 Well Care (1 - 866 - 859 - 9084) Wellcare Prescr iption Drug Pl ans WellCare Value Script (S4802 - 137)* $16.40 $16.40 WellCare Classic (S4802 - 076) $21.70 $0.00 * Drug Benefit Category = Enhanced Plans Some Medicare benef iciaries may qualify f or financial assistance t hrough Low Income Subsidies (LI S), also known as “Extra Hel p”. Plans hi ghlighted in blue have a $0 premium for beneficiaries with full LIS (Ext ra Help). Page 20 of 20