Massachusetts › Worcester County
Medicare plans in Worcester County, Massachusetts
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Worcester County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (36 plans)
- Part D drug plans (11 plans)
- Special needs plans (15 plans)
- Medicare Advantage without drug coverage (7 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Worcester County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Worcester County
At a glance
- 43 Medicare Advantage plans are open to anyone with Medicare here; 23 charge no monthly premium.
- 8 give back part of your Part B premium, up to $100 a month.
- The lowest yearly limit on what you pay for in-network care is $0.
- 11 Part D drug plans, from $8.40 to $238.60 a month.
Medicare Advantage plans with drug coverage 36
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| HumanaChoice Giveback H5216-138 (PPO) Humana · H5216-138-000 | PPO | $0/moGives back $61/mo of your Part B premium | $6,500 | 3.5★ |
| HumanaChoice Giveback H7617-046 (PPO) Humana · H7617-046-000 | PPO | $0/moGives back $61/mo of your Part B premium | $6,500 | 4.5★ |
| eternalHealth Give Back (PPO) eternalHealth · H2694-002-000 | PPO | $0/moGives back $60/mo of your Part B premium | $6,500 | 3.0★ |
| Humana Direct Choice Giveback (PPO) Humana · H5216-424-000 | PPO | $0/moGives back $60/mo of your Part B premium | $5,200 | 3.5★ |
| eternalHealth Forever (HMO) eternalHealth · H1280-001-000 | HMO | $0/mo | $5,000 | Not yet rated |
| Tufts Medicare Preferred HMO Smart Saver Rx (HMO) Tufts Health Plan · H2256-046-000 | HMO | $0/mo | $6,400 | 4.0★ |
| Medicare HMO Blue SaverRx (HMO-POS) Blue Cross Blue Shield of Massachusetts · H2261-024-000 | HMO-POS | $0/mo | $9,200 | 4.5★ |
| eternalHealth Freedom (PPO) eternalHealth · H2694-001-000 | PPO | $0/mo | $6,500 | 3.0★ |
| HumanaChoice H5216-249 (PPO) Humana · H5216-249-000 | PPO | $0/mo | $6,750 | 3.5★ |
| AARP Medicare Advantage from UHC MA-0003 (HMO-POS) UnitedHealthcare · H5253-157-001 | HMO-POS | $0/mo | $5,900 | 4.0★ |
| AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) UnitedHealthcare · H5253-159-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-160-000 | PPO | $0/mo | $6,750 | 4.5★ |
| Aetna Medicare Signature Extra (PPO) Aetna Medicare · H5521-450-000 | PPO | $0/mo | $5,900 | 4.5★ |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · H5793-014-000 | HMO-POS | $0/mo | $6,750 | 3.5★ |
| Mass Advantage Basic (HMO) Mass Advantage · H7670-001-000 | HMO | $0/mo | $6,750 | 4.5★ |
| Fallon Medicare Plus Orange (HMO) Fallon Health · H9001-038-000 | HMO | $0/mo | $7,550 | 4.0★ |
| Mass General Brigham Advantage (PPO) Mass General Brigham Health Plan · H9485-001-000 | PPO | $0/mo | $5,500 | 4.0★ |
| Mass Advantage Premiere (PPO) Mass Advantage · H9904-001-000 | PPO | $0/mo | $6,000 | 4.0★ |
| Mass Advantage Extra (PPO) Mass Advantage · H9904-002-000 | PPO | $0/mo | $6,750 | 4.0★ |
| Tufts Medicare Preferred PPO Rx (PPO) Tufts Health Plan · H9907-002-001 | PPO | $20/mo | $6,750 | 4.0★ |
| AARP Medicare Advantage from UHC MA-0006 (PPO) UnitedHealthcare · H8768-055-001 | PPO | $45/mo | $6,700 | 3.5★ |
| Tufts Medicare Preferred HMO Basic Rx (HMO) Tufts Health Plan · H2256-036-000 | HMO | $55/mo | $3,850 | 4.0★ |
| Medicare PPO Blue EssentialRx (PPO) Blue Cross Blue Shield of Massachusetts · H2230-019-000 | PPO | $59/mo | $9,250 | 4.5★ |
| Mass General Brigham Advantage Secure (HMO-POS) Mass General Brigham Health Plan · H6847-001-000 | HMO-POS | $62/mo | $3,350 | 4.0★ |
| Medicare HMO Blue ValueRx (HMO) Blue Cross Blue Shield of Massachusetts · H2261-022-002 | HMO | $79/mo | $3,750 | 4.5★ |
| Mass Advantage Plus (HMO) Mass Advantage · H7670-002-000 | HMO | $95/mo | $4,750 | 4.5★ |
| Fallon Medicare Plus Green (HMO) Fallon Health · H9001-030-015 | HMO | $100/mo | $5,200 | 4.0★ |
| Medicare PPO Blue ValueRx (PPO) Blue Cross Blue Shield of Massachusetts · H2230-018-002 | PPO | $101/mo | $6,600 | 4.5★ |
| Medicare HMO Blue FlexRx (HMO-POS) Blue Cross Blue Shield of Massachusetts · H2261-023-002 | HMO-POS | $129/mo | $4,100 | 4.5★ |
| Mass General Brigham Advantage Premier (PPO) Mass General Brigham Health Plan · H9485-002-000 | PPO | $150/mo | $3,150 | 4.0★ |
| Tufts Medicare Preferred HMO Value Rx (HMO) Tufts Health Plan · H2256-034-000 | HMO | $173/mo | $3,850 | 4.0★ |
| Tufts Medicare Preferred HMO Prime Rx (HMO) Tufts Health Plan · H2256-033-000 | HMO | $203/mo | $3,850 | 4.0★ |
| Fallon Medicare Plus Blue (HMO) Fallon Health · H9001-031-015 | HMO | $207/mo | $3,400 | 4.0★ |
| Medicare HMO Blue PlusRx (HMO) Blue Cross Blue Shield of Massachusetts · H2261-005-000 | HMO | $245/mo | $3,800 | 4.5★ |
| Medicare PPO Blue PlusRx (PPO) Blue Cross Blue Shield of Massachusetts · H2230-002-000 | PPO | $300/mo | $4,200 | 4.5★ |
| Mass General Brigham Advantage Signature (PPO) Mass General Brigham Health Plan · H9485-003-000 | PPO | $325/mo | $0 | 4.0★ |
Part D drug plans 11
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Central New England (Connecticut, Massachusetts, Rhode Island, and Vermont).
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) Humana · S5884-102-000 | $8.40/mo | $615 | 3★ |
| Wellcare Value Script (PDP) Wellcare · S4802-137-000 | $16.40/mo | $615 | 3.5★ |
| Blue MedicareRx Value Plus (PDP) Blue MedicareRx · S2893-001-000 | $20.70/mo | $615 | 4★ |
| Wellcare Classic (PDP) Wellcare · S4802-076-000 | $21.70/mo | $615 | 3.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-004-000 | $32.70/mo | $615 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-348-000 | $38.70/mo | $615 | 2★ |
| Humana Value Rx Plan (PDP) Humana · S5884-182-000 | $73.60/mo | $601 | 3★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-149-000 | $138.60/mo | None | 3★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-008-000 | $139.30/mo | $615 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-385-000 | $155.10/mo | $130 | 2★ |
| Blue MedicareRx Premier (PDP) Blue MedicareRx · S2893-003-000 | $238.60/mo | None | 4★ |
Special needs plans 15
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Senior Whole Health SCO (HMO D-SNP) Molina Healthcare · H2224-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 4.5★ |
| UHC One Care MA-Y3 (HMO D-SNP) UnitedHealthcare · H4610-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | Not yet rated |
| UHC Complete Care MA-7 (HMO-POS C-SNP) UnitedHealthcare · H5253-155-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,900 | 4.0★ |
| Tufts Health Plan Senior Care Options CW (HMO D-SNP) Tufts Health Plan · H8330-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
| Senior Whole Health SCO NHC (HMO D-SNP) Molina Healthcare · H2224-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $4.50/mo | $9,250 | 4.5★ |
| Tufts Health Plan Senior Care Options (HMO D-SNP) Tufts Health Plan · H8330-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $6.60/mo | $9,250 | 3.5★ |
| UHC One Care MA-Y4 (HMO D-SNP) UnitedHealthcare · H4610-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $8.70/mo | $9,250 | Not yet rated |
| UHC Senior Care Options MA-Y001 (HMO D-SNP) UnitedHealthcare · H2226-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $14.50/mo | $9,250 | 4.0★ |
| Tufts Health One Care CW (HMO D-SNP) Tufts Health Plan · H5314-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $14.70/mo | $9,250 | Not yet rated |
| Molina One Care (HMO D-SNP) Molina Healthcare · H4371-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $17.50/mo | $1,500 | Not yet rated |
| UHC Senior Care Options NHC MA-Y002 (HMO D-SNP) UnitedHealthcare · H2226-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $21.80/mo | $9,250 | 4.0★ |
| CCA One Care (HMO D-SNP) Commonwealth Care Alliance, Inc. · H1486-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $25/mo | $8,845 | Not yet rated |
| NaviCare (HMO D-SNP) Fallon Health · H8928-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.20/mo | $7,550 | 4.0★ |
| CCA Senior Care Options (HMO D-SNP) Commonwealth Care Alliance Massachusetts · H2225-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $35.80/mo | $8,980 | 4.0★ |
| Tufts Health One Care (HMO D-SNP) Tufts Health Plan · H5314-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $36.60/mo | $9,250 | Not yet rated |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: Summit ElderCare (PACE), Summit ElderCare (PACE).
Medicare Advantage plans without drug coverage 7
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · H5216-059-000 | PPO | $0/moGives back $100/mo of your Part B premium | $4,950 | 3.5★ |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · H5521-296-000 | PPO | $0/moGives back $80/mo of your Part B premium | $5,900 | 4.5★ |
| Fallon Medicare Plus Saver No Rx (HMO) Fallon Health · H9001-039-000 | HMO | $0/moGives back $75/mo of your Part B premium | $6,700 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) UnitedHealthcare · H8768-045-000 | PPO | $0/moGives back $60/mo of your Part B premium | $6,700 | 3.5★ |
| Tufts Medicare Preferred HMO Basic No Rx (HMO) Tufts Health Plan · H2256-041-000 | HMO | $40/mo | $3,850 | 4.0★ |
| Tufts Medicare Preferred HMO Value No Rx (HMO) Tufts Health Plan · H2256-040-000 | HMO | $132/mo | $3,850 | 4.0★ |
| Tufts Medicare Preferred HMO Prime No Rx (HMO) Tufts Health Plan · H2256-039-000 | HMO | $172/mo | $3,850 | 4.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs. Massachusetts standardizes Medigap its own way, so its plans don't use the usual letters.
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