Medicare Supplement Plans

Health New England offers Medicare Supplement plans. Medicare Supplement plans are designed to help pay for all or some of your out-of-pocket costs not covered by Original Medicare. These out-of-pocket costs may include deductibles, coinsurance and copays.

With one of our Medicare Supplement plans, you can choose the providers you want to see – no network restrictions, no referrals. You can see any provider who accepts Medicare. Use your Medicare Part A and Part B covered benefits – then we cover your cost sharing amounts. You may have little to no out-of-pocket cost.

With Health New England, you get a local health plan with an award-winning customer service team. We’re here to help you get the most out of your Medicare Supplement plan.

Types of Plans

There are two standard Medicare Supplement plans offered to Massachusetts residents:
  • Medicare Supplement Core 
  • Medicare Supplement 1

Health New England offers these two types of Medicare Supplement plans. Please view the Medicare Supplement 2020 Pre-Enrollment Kit for additional plan details or call Member Services at (877) 431-2122 or TTY (800) 439-2370 for more information.

If you join either of our Medicare Supplement plans, you can join a separate stand-alone Part D prescription drug plan. For more information, visit or call (800) Medicare or (800) 633-4227.

Eligibility Requirements

Medicare Supplement plans have requirements that you must meet in order to be eligible for a Medicare Supplement plan.
  • You must reside in Massachusetts, which means your permanent home address is within the state of Massachusetts.
  • You must be entitled to Medicare Part A (hospital), enrolled in Medicare Part B (medical), and continue to pay your Medicare Part B monthly premiums.
  • You may also be eligible if you are under age 65 and have a disability other than End Stage Renal Disease (ESRD).

Note: If you are dual eligible - covered by both Medicare and Medicaid, you probably don't need a Medicare Supplement plan. Call Member Services at (877) 431-2122 or TTY (800) 439-2370 for additional information.

Provider Network

As a Health New England Medicare Supplement member, you have coverage anywhere in the United States and U.S. territories as long as the provider, doctor or hospital accepts Original Medicare. There are no network requirements.

As a Medicare Supplement member, you do not need any of the following:

  • No primary care provider (PCP)
  • No referrals to see a specialist
  • No prior authorization for services. If the service is covered by Original Medicare (Part A & B), then it is covered under your Medicare Supplement plan—your provider will always bill Original Medicare first and then bill Health New England.

When to Join

If you are eligible for a Medicare Supplement plan, you can enroll at anytime!

Massachusetts Medicare Supplement plans have a continuous open enrollment. This means that you can purchase, upgrade or downgrade your Medicare Supplement plan at anytime during the calendar year. Any changes made will be effective on the first of the following month.

To be eligible for a Health New England Medicare Supplement plan, you must live within the state of Massachusetts, be entitled to Medicare Part A (hospital insurance), be enrolled in Medicare Part B (medical insurance) and continue to pay your Medicare Part B premiums.

The best time to enroll in a Medicare Supplement plan is during your Medicare Open Enrollment Period. This six-month period begins on the first day of the month in which you turn 65 and have enrolled in Medicare Part B.

Savings on premiums

You may save on your monthly premiums during this period of time. If you are eligible for Medicare Parts A & B, are 65 or older, and enrolled in Medicare Part B for the first time within six months of joining Health New England's Medicare Supplement plan, you will receive a 15% discount off the base rate for the first two years of coverage.

  • 15% in the first 12 months of enrollment
  • 15% in the second 12 months of enrollment
  • There are no discounts after the second year of enrollment.

For additional information, please contact Member Services at (877) 431-2122 or TTY (800) 439-2370.

Request a Kit

To request an all-in-one booklet that has all the information you need to choose one of our plans, fill out the Request Form.