by Russell Noga | Updated October 6, 2026
Original Medicare leaves you with real out-of-pocket costs: the Part A hospital deductible, hospital and skilled nursing coinsurance, and 20% of most Part B costs, with no annual limit. A Medicare Supplement plan picks up most of that balance, depending on the plan you choose.
Tufts Health Plan is a well-known Massachusetts health insurer that has offered Medicare Supplement plans in the state. Massachusetts standardizes Medigap differently from most states, with three plans instead of the lettered system, and it has some of the strongest Medigap consumer protections in the country.
Tufts Medicare Supplement Plans at a Glance
- Massachusetts Medigap plans come in three standardized designs: the Core Plan, Supplement 1 and Supplement 1A. There are no lettered plans like Plan G or Plan N in Massachusetts.
- Massachusetts premiums are community-rated, so you are not charged more because of your age, and you can generally enroll or switch plans throughout the year without medical underwriting.
- Tufts Health Plan is now part of Point32Health. Availability of Tufts Medigap plans for new enrollees can change, so ask us to check, and we will also compare other Massachusetts Medigap carriers.
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Who Is Tufts?
Tufts Health Plan began in 1979 as an HMO tied to the Tufts University School of Medicine community. It grew into one of New England’s best-known health insurers, expanding into New Hampshire, Rhode Island and Connecticut.
Tufts Health Plan is now part of Point32Health, the parent company it shares with Harvard Pilgrim Health Care.
What Medicare Supplement Plans Are Offered in Massachusetts?
Massachusetts has a federal waiver that lets it standardize Medigap plans differently from most states, which use lettered plans. Massachusetts Medigap plans come in three designs:
- Medicare Supplement Core Plan
- Medicare Supplement 1 (only for people eligible for Medicare before January 1, 2020)
- Medicare Supplement 1A
Every Massachusetts Medigap carrier sells these same three designs, so the benefits are identical. What differs is the premium and the company.
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Massachusetts Medicare Supplement Plans – Benefits & Coverage
Medicare Supplement Core Plan
The Core Plan has the most basic benefits of the three Massachusetts plans. It is similar to Medigap Plan A in other states, covering Part A hospital coinsurance and Part B coinsurance, plus extra inpatient mental health days and Massachusetts-mandated benefits.
- Part A hospital coinsurance: $434 per day for days 61–90 and $868 per day for lifetime reserve days 91–150 (2026 amounts)
- Up to 365 additional days of inpatient hospital care after Medicare benefits run out
- Part A hospice coinsurance or copayments
- The first three pints of blood
- Part B coinsurance
- 60 days per year of inpatient mental health care beyond what Medicare covers
- Massachusetts-mandated benefits
Medicare Supplement 1
Supplement 1 offers more coverage than the Core Plan. It is similar to Medigap Plans C and F in other states and covers the Medicare Part B deductible. Like Plans C and F, it is only available to people who were eligible for Medicare before January 1, 2020. Supplement 1 includes:
All Core Plan benefits- The Medicare Part A deductible ($1,736 per benefit period in 2026)
- Skilled nursing facility coinsurance ($217 per day for days 21–100 in 2026)
- The Medicare Part B deductible ($283 in 2026)
- Emergency care during the first 60 days of a trip outside the U.S.
- 120 days per year of inpatient mental health care beyond what Medicare covers
- Massachusetts-mandated benefits, such as annual mammograms and Pap tests
Medicare Supplement 1A
Supplement 1A is similar to Medigap Plan G. It covers everything Supplement 1 does except the Medicare Part B deductible, and it is available to anyone with Medicare Parts A and B. Supplement 1A includes:
All Core Plan benefits- The Medicare Part A deductible ($1,736 per benefit period in 2026)
- Skilled nursing facility coinsurance ($217 per day for days 21–100 in 2026)
- Emergency care during the first 60 days of a trip outside the U.S.
- 120 days per year of inpatient mental health care beyond what Medicare covers
- Massachusetts-mandated benefits, such as annual mammograms and Pap tests
What Massachusetts Medicare Supplement Plans Don't Cover
Like Medigap plans in other states, Massachusetts plans cover your share of Medicare-approved costs, not services Medicare does not cover.
They do not cover prescription drugs, private-duty nursing, long-term custodial care, or care Medicare does not consider medically necessary. They also do not cover routine vision, dental or hearing care.
Massachusetts Medigap Premiums and Enrollment Rules
Massachusetts requires Medigap premiums to be community-rated. Every member of a given plan from the same company pays the same premium, regardless of age, gender or health. Community rating also applies to people under 65 who have Medicare due to a disability, and insurers must offer them the same plans.
Massachusetts also has some of the most flexible Medigap enrollment rules in the country. State rules require Medigap insurers to hold an open enrollment period every year, which in practice lets you enroll in or switch Medigap plans throughout the year without medical underwriting. Moving from Supplement 1 to Supplement 1A may be subject to restrictions.
Here are example Tufts premiums from an earlier rate check. Rates change every year, so get a current quote.
Other Massachusetts Medigap Carriers
Because every Massachusetts Medigap company sells the same three plan designs, comparing companies is all about price and service. Other carriers that sell Medigap in Massachusetts include Blue Cross Blue Shield of Massachusetts, Harvard Pilgrim, Health New England, Humana and UnitedHealthcare. Availability for new enrollees changes, so we will check which companies are accepting applications in your area.
Massachusetts Medicare Supplement Plans in 2027
Massachusetts plan benefits stay the same from year to year. What can change are premiums and the Medicare deductibles and coinsurance amounts the plans help pay, which Medicare announces later in the fall. See our guide to Medicare Supplement Plans 2027.
Losing your Medicare Advantage plan for 2027? In Massachusetts you can generally move to a Medigap plan without medical underwriting, and federal guaranteed issue rights also apply when a Medicare Advantage plan leaves your area. Call us and we will walk you through your options.
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Frequently Asked Questions
Which Medicare Supplement plans are offered by Tufts?
In Massachusetts, Medigap plans come in three standardized designs: the Core Plan, Supplement 1 (only if eligible for Medicare before 2020) and Supplement 1A. Tufts has offered these plans in Massachusetts. Availability for new enrollees can change, so ask a licensed agent to check.
Does Tufts offer Medicare Supplement Plan G or Plan N?
No. Massachusetts does not use lettered Medigap plans. Supplement 1A is the closest match to Plan G, and the Core Plan is similar to Plan A. There is no Plan N equivalent in Massachusetts.
Who is eligible to enroll in Massachusetts Medicare Supplement plans?
To be eligible, you must be enrolled in Medicare Part A and Part B and live in Massachusetts. People under 65 who have Medicare due to a disability can also buy Medigap in Massachusetts at community-rated premiums.
When can I enroll in a Massachusetts Medigap plan?
Massachusetts requires Medigap insurers to hold an open enrollment period every year, which in practice lets you enroll in or switch Medigap plans throughout the year without medical underwriting. Moving from Supplement 1 to Supplement 1A may be subject to restrictions.
How are Massachusetts Medigap premiums set?
Massachusetts requires community rating, so everyone in the same plan with the same company pays the same premium regardless of age, gender or health. Premiums still differ from company to company, so comparing carriers matters.
What coverage do Massachusetts Medicare Supplement plans offer?
All three plans cover Part A hospital coinsurance, extra hospital days, Part B coinsurance, blood, hospice coinsurance and extra inpatient mental health days. Supplement 1 and 1A add the Part A deductible, skilled nursing coinsurance and foreign travel emergency care. Supplement 1 also covers the Part B deductible.
Do Massachusetts Medigap plans cover prescription drugs, vision or dental?
No. Medigap plans do not cover prescription drugs, routine vision or dental care. For prescriptions, enroll in a separate Medicare Part D plan.
How can I enroll in a Tufts or other Massachusetts Medigap plan?
Call us at 1-888-891-0229. We will check which Massachusetts Medigap carriers, including Tufts, are accepting applications in your area, compare premiums, and help you apply at no cost.
Call Us for More Information on Tufts Medicare Supplement Plans
For more on Tufts and other Massachusetts Medigap plans, call us at 1-888-891-0229. Our licensed agents offer a free consultation and quotes on Medigap plans from the companies available in your area, and we will help you enroll in a plan that fits your needs and budget.
If you cannot call now, leave your contact details on our form and an agent will reach out. Or get a free quote using the tool on our site.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.