Massachusetts
Massachusetts runs its own standardized Medigap system — the state-approved “Core” and “Supplement 1” plans replace most federal letters, and insurers cannot deny or rate by health for these products.
| Rule | Massachusetts |
|---|---|
| Own Medigap system | Yes — Core & Supplement 1 |
| Guaranteed issue | Year-round for Core/Supplement 1 |
| Rating | Issue-age style, community features |
| Federal letters | Limited availability |
| Practical edge | Simplified two-plan choice; no health underwriting |
Core vs Supplement 1
Core covers the essentials (Part A coinsurance, hospice, blood); Supplement 1 adds the Part A deductible, skilled nursing, and foreign travel. The state’s simplified menu is the extreme case of the plan-letter logic explained on the plans board.
Shopping MA differently
Because both products are guaranteed issue year-round, the normal six-month OEP urgency does not apply — compare premiums on the local pricing file whenever, with no health risk.
FAQ
Can I buy Plan G in Massachusetts?
Standard G exists only in limited filings; Core/Supplement 1 are the state products with guaranteed issue.
Does MA have Medigap underwriting?
Not for Core/Supplement 1 — health cannot be used to deny or rate.
Related reading: All states · Plans board · OEP file