Compare Our 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) | |
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Monthly Plan Premium |
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Physical & Wellness Exams |
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Primary Care Physician (PCP) visit |
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Specialist Office Visit (in person or via Telehealth) |
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In Network:
Out of Network:
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Maximum Out of Pocket (MOOP) |
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In Network:
Out of Network:
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Inpatient Hospital Acute Admission |
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In Network:
Out of Network:
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Outpatient Hospitals Service |
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In Network:
Out of Network:
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Emergency Care |
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Urgent Care |
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Ambulance |
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Diagnostic Tests, X-rays and Lab Services |
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In Network
Out of Network
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Dental Services |
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Routine Eye Exam, Vision Benefit |
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In Network:
Out of Network:
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Routine Hearing Exam, Hearing Aid Benefit |
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Over-the-Counter Allowance |
Up to $50 per quarter |
Up to $100 per quarter |
Up to $50 per quarter |
Flex Card |
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Parking* |
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Personal Emergency Response System |
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In-Home Support |
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Post Discharge Meal Services |
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Transportation Services |
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Compare Our 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
Mass Advantage Basic (HMO) |
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Monthly Plan Premium
|
Physical & Wellness Exams
|
Primary Care Physician (PCP) visit
|
Specialist Office Visit (in person or via Telehealth)
|
Maximum Out of Pocket (MOOP)
|
Inpatient Hospital Acute Admission
|
Outpatient Hospitals Service
|
Emergency Care
|
Urgent Care
|
Ambulance
|
Diagnostic Tests, X-rays and Lab Services
|
Dental Services
|
Routine Eye Exam, Vision Benefit
|
Routine Hearing Exam, Hearing Aid Benefit
|
Over-the-Counter Allowance Up to $50 per quarter |
Flex Card
|
Parking*
|
Personal Emergency Response System
|
In-Home Support
|
Post Discharge Meal Services
|
Transportation Services
|
Mass Advantage Plus (HMO) |
---|
Monthly Plan Premium
|
Physical & Wellness Exams
|
Primary Care Physician (PCP) visit
|
Specialist Office Visit (in person or via Telehealth)
|
Maximum Out of Pocket (MOOP)
|
Inpatient Hospital Acute Admission
|
Outpatient Hospitals Service
|
Emergency Care
|
Urgent Care
|
Ambulance
|
Diagnostic Tests, X-rays and Lab Services
|
Dental Services
|
Routine Eye Exam, Vision Benefit
|
Routine Hearing Exam, Hearing Aid Benefit
|
Over-the-Counter Allowance Up to $100 per quarter |
Flex Card
|
Parking*
|
Personal Emergency Response System
|
In-Home Support
|
Post Discharge Meal Services
|
Transportation Services
|
Mass Advantage Premiere (PPO) |
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Monthly Plan Premium
|
Physical & Wellness Exams
|
Primary Care Physician (PCP) visit
|
Specialist Office Visit (in person or via Telehealth) In Network:
Out of Network:
|
Maximum Out of Pocket (MOOP) In Network:
Out of Network:
|
Inpatient Hospital Acute Admission In Network:
Out of Network:
|
Outpatient Hospitals Service In Network:
Out of Network:
|
Emergency Care
|
Urgent Care
|
Ambulance
|
Diagnostic Tests, X-rays and Lab Services In Network
Out of Network
|
Dental Services
|
Routine Eye Exam, Vision Benefit In Network:
Out of Network:
|
Routine Hearing Exam, Hearing Aid Benefit
|
Over-the-Counter Allowance Up to $50 per quarter |
Flex Card
|
Parking*
|
Personal Emergency Response System
|
In-Home Support
|
Post Discharge Meal Services
|
Transportation Services
|
*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 |
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30 Day Supply Retail and Mail Order Pharmacy |
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90 Day Supply Retail and Mail Order Pharmacy |
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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.
Mass Advantage Basic (HMO) |
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Annual Prescription Drug Deductible
|
30 Day Supply
|
90 Day Supply
|
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
|
30 Day Supply
|
90 Day Supply
|
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
|
30 Day Supply
|
90 Day Supply
|
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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