County guide · Worcester County, MA · 2027 plan year
Original Medicare vs Medicare Advantage in Worcester County, MA
This guide lists 34 Medicare Advantage plans for 2027 in Worcester 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
- 34
- $0 premium
- 19 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 |
| Aetna Medicare Signature Extra (PPO)PPO from Aetna Medicare · Plan ID H5521-450 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,564 | $5,015 | $11,059 |
| eternalHealth Give Back (PPO)PPO from eternalHealth · Plan ID H2694-002 · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 (the plan pays back $48 of Part B) | $6,500 in network; $10,000 in and out of network | 2.5 of 5 | 12 services | $1,973 | $5,043 | $10,328 |
| Aetna Medicare Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H5793-014 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network | 3 of 5 | 19 services | $2,564 | $5,085 | $11,011 |
| Fallon Medicare Plus Orange (HMO)HMO from Fallon Health · Plan ID H9001-041 · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 18 services | $2,614 | $5,171 | $11,434 |
| eternalHealth Forever (HMO)HMO from eternalHealth · Plan ID H1280-001 · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 | $6,000 in network | Not enough data available | 13 services | $2,544 | $5,200 | $10,244 |
| eternalHealth Freedom (PPO)PPO from eternalHealth · Plan ID H2694-001 · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 | $6,500 in network; $9,500 in and out of network | 2.5 of 5 | 13 services | $2,549 | $5,325 | $10,179 |
| Fallon Medicare Plus Green (HMO)HMO from Fallon Health · Plan ID H9001-030 · Medicare.gov | $105 plan + Part B $209.50 | $6,000 in network | 4 of 5 | 18 services | $3,839 | $5,723 | $11,129 |
| Tufts Medicare Preferred HMO Smart Saver Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-047 · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 18 services | $2,624 | $6,004 | $12,024 |
| AARP Medicare Advantage from UHC MA-0003 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-157 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,514 | $6,122 | $12,064 |
| Mass General Brigham Advantage Core (HMO-POS)HMO-POS from Mass General Brigham Health Plan · Plan ID H6847-002 · Medicare.govIts page is set for Middlesex County, MA | $0 plan + Part B $209.50 | $7,150 in network; $7,150 in and out of network | 3.5 of 5 | 18 services | $2,624 | $6,132 | $12,064 |
| HumanaChoice H5216-249 (PPO)PPO from Humana · Plan ID H5216-249 · Medicare.gov | $0 plan + Part B $209.50 | $6,750 in network; $6,750 in and out of network | 4 of 5 | 24 services | $2,594 | $6,160 | $11,664 |
| Tufts Medicare Preferred HMO Basic Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-036 · Medicare.gov | $85 plan + Part B $209.50 | $4,500 in network | 4 of 5 | 18 services | $3,644 | $6,182 | $10,434 |
| Mass General Brigham Advantage Secure (HMO-POS)HMO-POS from Mass General Brigham Health Plan · Plan ID H6847-001 · Medicare.govIts page is set for Middlesex County, MA | $60 plan + Part B $209.50 | $5,000 in network; $5,000 in and out of network | 3.5 of 5 | 18 services | $3,329 | $6,197 | $10,634 |
| Aetna Medicare Elite (PPO)PPO from Aetna Medicare · Plan ID H5521-160 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $3,229 | $6,342 | $11,992 |
| Fallon Medicare Plus Blue (HMO)HMO from Fallon Health · Plan ID H9001-031 · Medicare.gov | $217 plan + Part B $209.50 | $3,400 in network | 4 of 5 | 18 services | $5,163 | $6,487 | $10,213 |
| Aetna Medicare Enhanced (PPO)PPO from Aetna Medicare · Plan ID H5521-760 · Medicare.gov | $60 plan + Part B $209.50 | $6,750 in network; $9,550 in and out of network | 4 of 5 | 19 services | $3,334 | $6,542 | $12,384 |
| HumanaChoice Giveback H5216-138 (PPO)PPO from Humana · Plan ID H5216-138 · Medicare.govIts page is set for Hartford County, CT | $0 plan + Part B $209.50 (the plan pays back $40 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,736 | $6,790 | $11,584 |
| HumanaChoice Giveback H7617-046 (PPO)PPO from Humana · Plan ID H7617-046 · Medicare.govIts page is set for Hillsborough County, NH | $0 plan + Part B $209.50 (the plan pays back $40 of Part B) | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $2,736 | $6,790 | $11,584 |
| HumanaChoice Giveback H5216-477 (PPO)PPO from Humana · Plan ID H5216-477 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $48 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,653 | $6,892 | $11,488 |
| 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 |
| Tufts Medicare Preferred HMO Value Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-034 · Medicare.gov | $190 plan + Part B $209.50 | $4,200 in network | 4 of 5 | 18 services | $4,879 | $7,169 | $11,394 |
| Tufts Medicare Preferred HMO Prime Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-033 · Medicare.gov | $224 plan + Part B $209.50 | $3,850 in network | 4 of 5 | 18 services | $5,378 | $7,416 | $10,467 |
| Mass General Brigham Advantage Plus (HMO-POS)HMO-POS from Mass General Brigham Health Plan · Plan ID H6847-003 · Medicare.govIts page is set for Middlesex County, MA | $180 plan + Part B $209.50 | $4,500 in network; $4,500 in and out of network | 3.5 of 5 | 18 services | $4,759 | $7,522 | $11,574 |
| AARP Medicare Advantage from UHC MA-0006 (PPO)PPO from UnitedHealthcare · Plan ID H8768-055 · Medicare.gov | $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 |
| Tufts Medicare Preferred PPO RX (PPO)PPO from Tufts Health Plan · Plan ID H9907-003 · Medicare.govIts page is set for Middlesex County, MA | $220 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3.5 of 5 | 18 services | $5,279 | $8,779 | $14,704 |
| Aetna Medicare Eagle Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-296 · No drug coverage · Medicare.govIts page is set for Fairfield County, CT | $0 plan + Part B $209.50 (the plan pays back $90 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $1,767 | $9,556 | $28,650 |
| 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 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-059 · No drug coverage · Medicare.govIts page is set for Hartford County, CT | $0 plan + Part B $209.50 (the plan pays back $123 of Part B) | $4,950 in network; $8,950 in and out of network | 4 of 5 | 24 services | $1,416 | $10,535 | $27,564 |
| 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 |
| Tufts Medicare Preferred HMO Basic No Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-041 · No drug coverage · Medicare.gov | $50 plan + Part B $209.50 | $4,500 in network | 4 of 5 | 18 services | $3,512 | $11,406 | $29,190 |
| Tufts Medicare Preferred HMO Value No Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-040 · No drug coverage · Medicare.gov | $142 plan + Part B $209.50 | $4,200 in network | 4 of 5 | 18 services | $4,591 | $12,145 | $29,649 |
| Tufts Medicare Preferred HMO Prime No Rx (HMO)HMO from Tufts Health Plan · Plan ID H2256-039 · No drug coverage · Medicare.gov | $182 plan + Part B $209.50 | $3,850 in network | 4 of 5 | 18 services | $5,056 | $12,420 | $28,419 |
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 01331 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 01331 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.