Compare Our 2023 Plans

Let's find the right Medicare Advantage plan for you. Mass Advantage gives you a choice of three plan options. All three include Comprehensive Medical benefits and Part D Prescription Drug insurance.  Beyond that, each plan is slightly different with distinct features to suit different needs. Whichever plan you choose, you’ll have additional benefits as well: extra savings on hearing, dental, vision, fitness options, over-the-counter health, for instance, and much more. No single plan is right for everyone. See what’s unique about each so you'll have the plan that suits you best. 
Mass Advantage Basic (HMO) Mass Advantage Plus (HMO) Mass Advantage Premiere (PPO)

Monthly Plan Premium

  • $0 Monthly Premium 
  • $100 Monthly Premium
  • $0 Monthly Premium 

Physical & Wellness Exams

  • $0 copay
  • $0 copay
  • $0 copay

Primary Care Physician (PCP) visit

  • $0 copay
  • $0 copay
  • $ 0 copay per visit

Specialist Office Visit (in person or via Telehealth)

  • $40 copay per visit
  • $20 copay per visit

In Network:

  • $45 copay per visit

Out of Network:

  • $65 copay per visit
  • Telehealth not covered out of network

Maximum Out of Pocket (MOOP)

  • $6,550 yearly out of pocket limit
  • $3,450 yearly out of pocket limit

In Network:

  • $6,550 yearly out of pocket limit

Out of Network:

  • $11,300 combined yearly out of pocket limit

Inpatient Hospital Acute Admission

  • Days 1–5: $370 copay each day
  • Days 6+: $0 copay
  • Days 1–5: $150 copay each day
  • Days 6+: $0 copay

In Network:

  • Days 1–5: $350 copay each day
  • Days 6+: $0 copay

Out of Network:

  • 35% of the cost

Outpatient Hospitals Service

  • $300 copay 
  • $150 copay 

In Network:

  • $300 copay

Out of Network:

  • 40% of the cost

Emergency Care

  • $90 copay per visit (waived if admitted within 24 hours)
  • $90 copay per visit (waived if admitted within 24 hours)
  • $90 copay per visit (waived if admitted within 24 hours)

Urgent Care

  • $10 copay per visit
  • $0 copay per visit
  • $40 copay per visit

Ambulance

  • $300 copay for each one-way Medicare-covered trip
  • $200 copay for each one-way Medicare-covered trip
  • $275 copay for each one-way Medicare-covered trip

Diagnostic Tests, X-rays and Lab Services

  • Diagnostic tests and procedures: $20 copay
  • Outpatient X-ray services: $0 copay
  • Lab services: $0 copay
  • Diagnostic tests and procedures: $0 copay
  • Outpatient X-ray services: $0 copay
  • Lab services: $0 copay

In Network

  • Diagnostic tests and procedures: $20 copay
  • Outpatient X-ray services: $0 copay
  • Lab services: $0 copay 

Out of Network

 

  • Diagnostic tests and procedures: 40% coinsurance
  • Outpatient X-ray services: 40% coinsurance
  • Lab services: 40% coinsurance

Dental Services

  • 2 routine preventive dental exams and cleanings per year
  • Comprehensive dental at 50% coinsurance
  • $1,000 annual comprehensive allowance
  • 2 routine preventive dental exams and cleanings per year
  • Comprehensive dental at 20% coinsurance
  • $1,500 annual comprehensive allowance
  • 2 routine preventive dental exams and cleanings per year
  • Comprehensive dental at 20% coinsurance
  • $2,000 annual comprehensive allowance

Routine Eye Exam, Vision Benefit

  • $0 copay, 1 per year
  • Up to $200 allowance annually
  • $0 copay, 1 per year
  • Up to $200 allowance annually

In Network:

  • $0 copay
  • Up to $200 allowance annually

Out of Network:

  • $65 copay
  • Up to $200 allowance annually

Routine Hearing Exam, Hearing Aid Benefit

  • $0 copay, 1 per year
  • 6 options available: ranging from $500 - $1,975 copay per hearing aid
  • Limit 2 per year / 1 per ear
  • $0 copay, 1 per year
  • 6 options available: ranging from $500 - $1,975 copay per hearing aid
  • Limit 2 per year / 1 per ear
  • $0/$65 copay, 1 per year
  • 6 options available: ranging from $500 - $1,975 copay per hearing aid
  • Limit 2 per year / 1 per ear

Over-the-Counter Allowance

Up to $50 per quarter

Up to $100 per quarter

Up to $50 per quarter

Flex Card

  • $300 annual allowance for:
    • Fitness (gyms, wearables, online memberships)
    • Weight management
    • Nutritional / Dietary
    • Vision upgrades
  • $500 annual allowance for:
    • Fitness (gyms, wearables, online memberships)
    • Weight management
    • Nutritional / Dietary
    • Vision upgrades
  • $150 annual allowance for:
    • Fitness (gyms, wearables, online memberships)
    • Weight management
    • Nutritional / Dietary
    • Vision upgrades

Parking*

  • $50 additional allowance with the Flex Card for qualifying members
  • $50 additional allowance with the Flex Card for qualifying members
  • No coverage

Personal Emergency Response System

  • $0 copay for device & monitoring
  • $0 copay for device & monitoring
  • $0 copay for device & monitoring

In-Home Support

  • 12 hours annually
  • 36 hours annually
  • No Coverage

Post Discharge Meal Services

  • 14 days post discharge (28 meals)
  • 14 days post discharge (28 meals)
  • No Coverage

Transportation Services

  • $0 copay / 12 one-way rides
  • $0 copay / 12 one-way rides
  • $0 copay / 6 one-way rides

Compare Our 2023 Plans

Let's find the right Medicare Advantage plan for you. Mass Advantage gives you a choice of three plan options. All three include Comprehensive Medical benefits and Part D Prescription Drug insurance.  Beyond that, each plan is slightly different with distinct features to suit different needs. Whichever plan you choose, you’ll have additional benefits as well: extra savings on hearing, dental, vision, fitness options, over-the-counter health, for instance, and much more. No single plan is right for everyone. See what’s unique about each so you'll have the plan that suits you best. 
Mass Advantage Basic (HMO)

Monthly Plan Premium

  • $0 Monthly Premium 

Physical & Wellness Exams

  • $0 copay

Primary Care Physician (PCP) visit

  • $0 copay

Specialist Office Visit (in person or via Telehealth)

  • $40 copay per visit

Maximum Out of Pocket (MOOP)

  • $6,550 yearly out of pocket limit

Inpatient Hospital Acute Admission

  • Days 1–5: $370 copay each day
  • Days 6+: $0 copay

Outpatient Hospitals Service

  • $300 copay 

Emergency Care

  • $90 copay per visit (waived if admitted within 24 hours)

Urgent Care

  • $10 copay per visit

Ambulance

  • $300 copay for each one-way Medicare-covered trip

Diagnostic Tests, X-rays and Lab Services

  • Diagnostic tests and procedures: $20 copay
  • Outpatient X-ray services: $0 copay
  • Lab services: $0 copay

Dental Services

  • 2 routine preventive dental exams and cleanings per year
  • Comprehensive dental at 50% coinsurance
  • $1,000 annual comprehensive allowance

Routine Eye Exam, Vision Benefit

  • $0 copay, 1 per year
  • Up to $200 allowance annually

Routine Hearing Exam, Hearing Aid Benefit

  • $0 copay, 1 per year
  • 6 options available: ranging from $500 - $1,975 copay per hearing aid
  • Limit 2 per year / 1 per ear

Over-the-Counter Allowance

Up to $50 per quarter

Flex Card

  • $300 annual allowance for:
    • Fitness (gyms, wearables, online memberships)
    • Weight management
    • Nutritional / Dietary
    • Vision upgrades

Parking*

  • $50 additional allowance with the Flex Card for qualifying members

Personal Emergency Response System

  • $0 copay for device & monitoring

In-Home Support

  • 12 hours annually

Post Discharge Meal Services

  • 14 days post discharge (28 meals)

Transportation Services

  • $0 copay / 12 one-way rides
Mass Advantage Plus (HMO)

Monthly Plan Premium

  • $100 Monthly Premium

Physical & Wellness Exams

  • $0 copay

Primary Care Physician (PCP) visit

  • $0 copay

Specialist Office Visit (in person or via Telehealth)

  • $20 copay per visit

Maximum Out of Pocket (MOOP)

  • $3,450 yearly out of pocket limit

Inpatient Hospital Acute Admission

  • Days 1–5: $150 copay each day
  • Days 6+: $0 copay

Outpatient Hospitals Service

  • $150 copay 

Emergency Care

  • $90 copay per visit (waived if admitted within 24 hours)

Urgent Care

  • $0 copay per visit

Ambulance

  • $200 copay for each one-way Medicare-covered trip

Diagnostic Tests, X-rays and Lab Services

  • Diagnostic tests and procedures: $0 copay
  • Outpatient X-ray services: $0 copay
  • Lab services: $0 copay

Dental Services

  • 2 routine preventive dental exams and cleanings per year
  • Comprehensive dental at 20% coinsurance
  • $1,500 annual comprehensive allowance

Routine Eye Exam, Vision Benefit

  • $0 copay, 1 per year
  • Up to $200 allowance annually

Routine Hearing Exam, Hearing Aid Benefit

  • $0 copay, 1 per year
  • 6 options available: ranging from $500 - $1,975 copay per hearing aid
  • Limit 2 per year / 1 per ear

Over-the-Counter Allowance

Up to $100 per quarter

Flex Card

  • $500 annual allowance for:
    • Fitness (gyms, wearables, online memberships)
    • Weight management
    • Nutritional / Dietary
    • Vision upgrades

Parking*

  • $50 additional allowance with the Flex Card for qualifying members

Personal Emergency Response System

  • $0 copay for device & monitoring

In-Home Support

  • 36 hours annually

Post Discharge Meal Services

  • 14 days post discharge (28 meals)

Transportation Services

  • $0 copay / 12 one-way rides
Mass Advantage Premiere (PPO)

Monthly Plan Premium

  • $0 Monthly Premium 

Physical & Wellness Exams

  • $0 copay

Primary Care Physician (PCP) visit

  • $ 0 copay per visit

Specialist Office Visit (in person or via Telehealth)

In Network:

  • $45 copay per visit

Out of Network:

  • $65 copay per visit
  • Telehealth not covered out of network

Maximum Out of Pocket (MOOP)

In Network:

  • $6,550 yearly out of pocket limit

Out of Network:

  • $11,300 combined yearly out of pocket limit

Inpatient Hospital Acute Admission

In Network:

  • Days 1–5: $350 copay each day
  • Days 6+: $0 copay

Out of Network:

  • 35% of the cost

Outpatient Hospitals Service

In Network:

  • $300 copay

Out of Network:

  • 40% of the cost

Emergency Care

  • $90 copay per visit (waived if admitted within 24 hours)

Urgent Care

  • $40 copay per visit

Ambulance

  • $275 copay for each one-way Medicare-covered trip

Diagnostic Tests, X-rays and Lab Services

In Network

  • Diagnostic tests and procedures: $20 copay
  • Outpatient X-ray services: $0 copay
  • Lab services: $0 copay 

Out of Network

 

  • Diagnostic tests and procedures: 40% coinsurance
  • Outpatient X-ray services: 40% coinsurance
  • Lab services: 40% coinsurance

Dental Services

  • 2 routine preventive dental exams and cleanings per year
  • Comprehensive dental at 20% coinsurance
  • $2,000 annual comprehensive allowance

Routine Eye Exam, Vision Benefit

In Network:

  • $0 copay
  • Up to $200 allowance annually

Out of Network:

  • $65 copay
  • Up to $200 allowance annually

Routine Hearing Exam, Hearing Aid Benefit

  • $0/$65 copay, 1 per year
  • 6 options available: ranging from $500 - $1,975 copay per hearing aid
  • Limit 2 per year / 1 per ear

Over-the-Counter Allowance

Up to $50 per quarter

Flex Card

  • $150 annual allowance for:
    • Fitness (gyms, wearables, online memberships)
    • Weight management
    • Nutritional / Dietary
    • Vision upgrades

Parking*

  • No coverage

Personal Emergency Response System

  • $0 copay for device & monitoring

In-Home Support

  • No Coverage

Post Discharge Meal Services

  • No Coverage

Transportation Services

  • $0 copay / 6 one-way rides

*The parking benefit mentioned is part of special supplemental program for the chronically ill. Not all members qualify.

Prescription Drug Benefits

Mass Advantage Basic (HMO) Mass Advantage Plus (HMO) Mass Advantage Premiere (PPO)

Annual Prescription Drug Deductible

  • $195 annual deductible for Tier 3, Tier 4, & Tier 5 Part D prescription drugs only
  • $0 annual deductible
  • $250 annual deductible for Tier 3, Tier 4, & Tier 5 Part D prescription drugs only

30 Day Supply

Retail and Mail Order Pharmacy

  • Tier 1: $0 copay
  • Tier 2: $4 copay
  • Tier 3: $47 copay
  • Tier 4: $100 copay
  • Tier 5: 30% coinsurance
  • Tier 1: $0 copay
  • Tier 2: $4 copay
  • Tier 3: $47 copay
  • Tier 4: $100 copay
  • Tier 5: 33% coinsurance
  • Tier 1: $2 copay
  • Tier 2: $6 copay
  • Tier 3: $42 copay
  • Tier 4: $95 copay
  • Tier 5: 29% coinsurance

90 Day Supply

Retail and Mail Order Pharmacy

  • Tier 1: $0 copay
  • Tier 2: $8 copay
  • Tier 3: $94 copay
  • Tier 4: $200 copay
  • Tier 5: 30% coinsurance
  • Tier 1: $0 copay
  • Tier 2: $8 copay
  • Tier 3: $94 copay
  • Tier 4: $200 copay
  • Tier 5: 33% coinsurance
  • Tier 1: $4 copay
  • Tier 2: $12 copay
  • Tier 3: $84 copay
  • Tier 4: $190 copay
  • Tier 5: 29% coinsurance

Select Insulins

30 Day Supply

You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t paid your deductible.

You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t paid your deductible.

You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t paid your deductible.

Vaccines

Our plan covers most Part D vaccines at no cost to you even if you haven’t paid your deductible.

Our plan covers most Part D vaccines at no cost to you even if you haven’t paid your deductible.

Our plan covers most Part D vaccines at no cost to you even if you haven’t paid your deductible.

Prescription Drug Benefits

Mass Advantage Basic (HMO)

Annual Prescription Drug Deductible

  • $195 annual deductible for Tier 3, Tier 4, & Tier 5 Part D prescription drugs only

30 Day Supply

  • Tier 1: $0 copay
  • Tier 2: $4 copay
  • Tier 3: $47 copay
  • Tier 4: $100 copay
  • Tier 5: 30% coinsurance

90 Day Supply

  • Tier 1: $0 copay
  • Tier 2: $8 copay
  • Tier 3: $94 copay
  • Tier 4: $200 copay
  • Tier 5: 30% coinsurance

Select Insulins

You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t paid your deductible.

Vaccines

Our plan covers most Part D vaccines at no cost to you even if you haven’t paid your deductible.

Mass Advantage Plus (HMO)

Annual Prescription Drug Deductible

  • $0 annual deductible

30 Day Supply

  • Tier 1: $0 copay
  • Tier 2: $4 copay
  • Tier 3: $47 copay
  • Tier 4: $100 copay
  • Tier 5: 33% coinsurance

90 Day Supply

  • Tier 1: $0 copay
  • Tier 2: $8 copay
  • Tier 3: $94 copay
  • Tier 4: $200 copay
  • Tier 5: 33% coinsurance

Select Insulins

You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t paid your deductible.

Vaccines

Our plan covers most Part D vaccines at no cost to you even if you haven’t paid your deductible.

Mass Advantage Premiere (PPO)

Annual Prescription Drug Deductible

  • $250 annual deductible for Tier 3, Tier 4, & Tier 5 Part D prescription drugs only

30 Day Supply

  • Tier 1: $2 copay
  • Tier 2: $6 copay
  • Tier 3: $42 copay
  • Tier 4: $95 copay
  • Tier 5: 29% coinsurance

90 Day Supply

  • Tier 1: $4 copay
  • Tier 2: $12 copay
  • Tier 3: $84 copay
  • Tier 4: $190 copay
  • Tier 5: 29% coinsurance

Select Insulins

You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t paid your deductible.

Vaccines

Our plan covers most Part D vaccines at no cost to you even if you haven’t paid your deductible.

You want a health plan that gives you access to UMass Memorial Health. 

You get a health plan designed to do just that. 

Medicare and Social Security can be complicated topics as you start thinking about retirement. We have pulled together some key information to assist you. 

Ready to Find a Plan?

Learn more through our easy-to-use portal.

 

Questions?

We’re here to help.

From October 1 to March 31, we’re available 7 days a week from 8 am to 8 pm EST. From April 1 to September 30, we’re available Monday through Friday from 8 am to 8 pm EST.

Call: (844) 794-0231

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