County guide · Franklin County, MA · 2027 plan year
Original Medicare vs Medicare Advantage in Franklin County, MA
This guide lists 22 Medicare Advantage plans for 2027 in Franklin County, with the yearly cost of each one next to Original Medicare without Medigap. Special needs plans are not on this list.
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- Plans
- 22
- $0 premium
- 7 plans
- Lowest in-network limit
- $3,400
- Highest in-network limit
- $9,850
In Massachusetts, you can go back to Medigap later
Massachusetts law makes Medigap companies accept you from February 1 to March 31 each year. Your age and health do not change the price. Coverage from that window starts on June 1. The companies also sell Medigap during the rest of the year. So you can try Medicare Advantage and go back to Original Medicare with Medigap later.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare without Medigapand the lowest-cost drug plan | Part B $209.50 + a drug plan from $13.30 | No yearly limit. You pay 20% of most costs. | Not rated | Short list of services | $3,032 | $6,139 | $10,769 |
| Fallon Medicare Plus Orange (HMO)HMO from Fallon Health · Plan ID H9001-041 · Medicare.govIts page is set for Hampden County, MA | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 18 services | $2,614 | $5,171 | $11,434 |
| Medicare HMO Blue ValueRx (HMO)HMO from Blue Cross Blue Shield of Massachusetts · Plan ID H2261-026 · Medicare.govIts page is set for Middlesex County, MA | $68 plan + Part B $209.50 | $3,750 in network | 4.5 of 5 | 18 services | $3,350 | $5,204 | $9,480 |
| Fallon Medicare Plus Blue (HMO)HMO from Fallon Health · Plan ID H9001-031 · Medicare.govIts page is set for Hampden County, MA | $117 plan + Part B $209.50 | $3,400 in network | 4 of 5 | 18 services | $3,963 | $5,287 | $9,013 |
| Medicare HMO Blue SaverRx (HMO-POS)HMO-POS from Blue Cross Blue Shield of Massachusetts · Plan ID H2261-024 · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 | $9,200 in network; $9,200 in and out of network | 4.5 of 5 | 18 services | $2,514 | $5,299 | $10,489 |
| Fallon Medicare Plus Green (HMO)HMO from Fallon Health · Plan ID H9001-030 · Medicare.govIts page is set for Hampden County, MA | $72 plan + Part B $209.50 | $6,000 in network | 4 of 5 | 18 services | $3,443 | $5,327 | $10,733 |
| Medicare HMO Blue FlexRx (HMO-POS)HMO-POS from Blue Cross Blue Shield of Massachusetts · Plan ID H2261-025 · Medicare.govIts page is set for Middlesex County, MA | $119 plan + Part B $209.50 | $4,100 in network | 4.5 of 5 | 18 services | $3,962 | $5,646 | $10,092 |
| Health New England Medicare Value (HMO)HMO from Health New England Medicare Advantage Plans · Plan ID H8578-012 · Medicare.govIts page is set for Hampden County, MA | $15 plan + Part B $209.50 | $9,000 in network | 3 of 5 | 15 services | $2,824 | $5,651 | $11,694 |
| AARP Medicare Advantage from UHC MA-0003 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-157 · Medicare.govIts page is set for Worcester County, MA | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,514 | $6,122 | $12,064 |
| Health New England Medicare Select (HMO)HMO from Health New England Medicare Advantage Plans · Plan ID H8578-019 · Medicare.govIts page is set for Hampden County, MA | $80 plan + Part B $209.50 | $6,500 in network | 3 of 5 | 15 services | $3,584 | $6,216 | $11,779 |
| Health New England Medicare Compass (PPO)PPO from Health New England Medicare Advantage Plans · Plan ID H2737-001 · Medicare.govIts page is set for Hampden County, MA | $64 plan + Part B $209.50 | $8,150 in network; $11,000 in and out of network | 3 of 5 | 15 services | $3,422 | $6,324 | $12,402 |
| Medicare PPO Blue ValueRx (PPO)PPO from Blue Cross Blue Shield of Massachusetts · Plan ID H2230-020 · Medicare.govIts page is set for Norfolk County, MA | $108 plan + Part B $209.50 | $6,600 in network; $10,000 in and out of network | 4 of 5 | 18 services | $3,810 | $6,370 | $11,510 |
| Health New England Medicare Plus (HMO)HMO from Health New England Medicare Advantage Plans · Plan ID H8578-004 · Medicare.govIts page is set for Hampden County, MA | $138 plan + Part B $209.50 | $5,500 in network | 3 of 5 | 15 services | $4,300 | $6,803 | $11,975 |
| Medicare PPO Blue EssentialRx (PPO)PPO from Blue Cross Blue Shield of Massachusetts · Plan ID H2230-019 · Medicare.govIts page is set for Middlesex County, MA | $69 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 18 services | $3,342 | $6,877 | $11,887 |
| Medicare HMO Blue PlusRx (HMO)HMO from Blue Cross Blue Shield of Massachusetts · Plan ID H2261-005 · Medicare.govIts page is set for Middlesex County, MA | $245 plan + Part B $209.50 | $3,800 in network | 4.5 of 5 | 18 services | $5,454 | $7,003 | $10,319 |
| Health New England Medicare Premium (HMO)HMO from Health New England Medicare Advantage Plans · Plan ID H8578-001 · Medicare.govIts page is set for Hampden County, MA | $188 plan + Part B $209.50 | $5,000 in network | 3 of 5 | 15 services | $4,875 | $7,208 | $11,555 |
| AARP Medicare Advantage from UHC MA-0006 (PPO)PPO from UnitedHealthcare · Plan ID H8768-055 · Medicare.govIts page is set for Worcester County, MA | $67 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $4,033 | $7,686 | $12,868 |
| Medicare PPO Blue PlusRx (PPO)PPO from Blue Cross Blue Shield of Massachusetts · Plan ID H2230-002 · Medicare.govIts page is set for Middlesex County, MA | $300 plan + Part B $209.50 | $4,200 in network; $6,300 in and out of network | 4 of 5 | 18 services | $6,114 | $7,718 | $11,729 |
| Fallon Medicare Plus Saver No Rx (HMO)HMO from Fallon Health · Plan ID H9001-039 · No drug coverage · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 (the plan pays back $75 of Part B) | $6,700 in network | 4 of 5 | 18 services | $1,937 | $9,616 | $27,895 |
| AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-225 · No drug coverage · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 (the plan pays back $110 of Part B) | $7,150 in network | 4 of 5 | 24 services | $1,482 | $9,786 | $29,920 |
| Health New England Medicare Premium No Rx (HMO)HMO from Health New England Medicare Advantage Plans · Plan ID H8578-003 · No drug coverage · Medicare.govIts page is set for Hampden County, MA | $44 plan + Part B $209.50 | $4,500 in network | 3 of 5 | 15 services | $3,400 | $10,889 | $28,268 |
| Health New England Medicare Basic No Rx (HMO)HMO from Health New England Medicare Advantage Plans · Plan ID H8578-009 · No drug coverage · Medicare.govIts page is set for Hampden County, MA | $0 plan + Part B $209.50 | $5,500 in network | 3 of 5 | 15 services | $2,922 | $10,936 | $29,590 |
| AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO)PPO from UnitedHealthcare · Plan ID H8768-045 · No drug coverage · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 (the plan pays back $60 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,797 | $11,166 | $30,520 |
Massachusetts sets its own Medigap plans: Core and Supplement 1A. Supplement 1 is open only to people who were eligible for Medicare before 2020. These plans are not the plans with letters, such as Plan G and Plan N. This guide has no prices for these plans, so the Original Medicare totals leave out Medigap. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Massachusetts sets its own Medigap plans: Core and Supplement 1A. Supplement 1 is open only to people who were eligible for Medicare before 2020. These plans are not the plans with letters, such as Plan G and Plan N. We have no prices or cost model for these plans, so the totals show Original Medicare without Medigap. You can look up Medigap plans and prices for ZIP 01339 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 01339 on Medicare.gov
- Medigap plans in Massachusetts: Medicare.gov, Choosing a Medigap Policy (2026), Section 7
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.