Compare Medicare Advantage Plans in Berkshire County, MA
There are 21 Medicare Advantage plans available in Berkshire County, Massachusetts for 2023. See Plans
Berkshire County MA Plans By The Numbers
- 4 to 5-Star Plan Availability: 55%
- Average premium: $48.60/month
- Average out-of-pocket limit: $5,936/year
- Average Part D deductible: $230.67/year
- Plan types available: HMO, PPO, MSA, and SNP
- New or Unrated Plans: 8
4 and 5-Star Medicare Advantage Plans available in Berkshire County, MA
Here are the top-rated Medicare Advantage plans in Berkshire County.
3.5-Star and Below Medicare Advantage Plans available in Berkshire County, MA
These are the Medicare Advantage plans in Berkshire County rated 3.5 stars or lower by Medicare.
| Plan Name | Monthly Premium |
Part D Deductible | Out of Pocket Max | CMS Star Rating |
|---|---|---|---|---|
3.5 out of 5 |
AARP Medicare Advantage Choice (PPO R7444-001) | $53 | $295 | $7,550 |
0.0 out of 5 |
Health New England Medicare Compass (PPO H2737-001) | $0 | $380 | $6,700 |
0.0 out of 5 |
Health New England Medicare Compass Premier (PPO H2737-002) | $99 | $250 | $4,900 |
0.0 out of 5 |
Lasso Healthcare Growth (MSA H1924-001) | $0 | N/A | * |
0.0 out of 5 |
Lasso Healthcare Growth Plus (MSA H1924-004) | $0 | N/A | * |
0.0 out of 5 |
Wellcare Giveback Open (PPO H9761-002) | $0 | $350 | $7,550 |
0.0 out of 5 |
Wellcare No Premium (HMO H6193-001) | $0 | $0 | $6,500 |
0.0 out of 5 |
Wellcare No Premium Open (PPO H9761-001) | $0 | $0 | $6,500 |
0.0 out of 5 |
Wellcare Premium Enhanced Open (PPO H9761-004) | $60 | $0 | $4,700 |
NOTE: Plans with a 0.0 rating are new and have not yet been rated by Medicare.
Berkshire County, MA
Medicare Advantage Information
Medicare Advantage (MA) plans are the private health plan alternative to Original Medicare. Berkshire County residents have a total of 21 MA plans available. Plans are provided by Medicare-approved, private companies. Also known as Medicare Part C, MA plans offer additional benefits that are not available through Original Medicare.
Some Medicare Advantage plans cover prescription medications. These plans, also known as Medicare Advantage Prescription Drug Plans, MAPDs, provide comprehensive coverage to people who want to increase their Medicare benefits.
3 Plan Types Available
Medicare Advantage offers a variety of plan types. This is one of its many benefits. HMO and PPO are two of the most popular types of plans. But there are others. Although not all plans are available in every area, people on Medicare in Berkshire County can choose from 3 plan options.
| Plan Type | Description |
|---|---|
| HMO | Health Maintenance Organization (HMO) members usually receive services through the plan’s local network of providers. Referrals are typically required to see a specialist and other providers. However, plans allow out-of-network care for emergencies and out-of-area dialysis. Prescription drug coverage is often included in HMO plans, and many plans include some coverage for dental, vison, and hearing. |
| PPO | Preferred Provider Organization (PPO) members can usually use in-network and out-of-network providers for care, including hospitalization. However, visits to non-network providers could cost significantly more. PPO plans often include prescription drug coverage and other benefits, and referrals are typically not required for specialist visits. |
| MSA | Medicare Medical Savings Account (MSA) plans are private companies that the Medicare program pays to manage a beneficiary's Medicare benefits. As with all types of Medicare Advantage plans, MSA plans must offer the same basic benefits included in Medicare Part A and Part B. However, benefits may have different rules, restrictions, and costs. Unlike other Medicare Advantage plans, MSAs have a high deductible health plan (HDHP) and a government-funded bank account for paying your medical costs. |
| SNP |
Special Needs Plans (SNPs) are highly specialized and you must be qualified to join. For this reason, All Medicare organizes Medicare Advantage Special Needs plans for Berkshire County, Massachusetts residents in their own directory. |
Some Medicare Advantage Plans Do Not Include Part D
Some people may also be eligible for a standalone Medicare prescription drug plan. A standalone prescription drug plan, also known as a PDP (or Medicare Part D) plan, provides coverage for prescription drugs. These plans work with both Original Medicare and Medicare Advantage plans without Part D.
Medicare Advantage vs. Medicare Supplement Insurance
Medicare Advantage is only one option. Many people in a Berkshire County think that Medicare Advantage plans can be too expensive or restrictive. Some of these people choose to keep their Original Medicare benefits and get more coverage with Medicare Supplement Insurance (Medigap).
If you're not familiar with Medicare Supplements, and how they protect you from Original Medicare's high out-of-pocket costs, have a look at our Medicare Supplement directory. We make it easy for you to compare plans and costs. All Medicare Supplement plans are standardized in Massachusetts, which makes choosing a plan easier.
Medicare Advantage Plan Availability
The MA and MAPD plans listed on this page are available to individuals enrolled in both Medicare Part A and Part B who reside in Adams, Becket, Cheshire, Dalton, Great Barrington, Hinsdale, Housatonic, Lanesborough, Lee, Lenox, North Adams, Pittsfield, Sheffield, Stockbridge, West Stockbridge, Williamstown, and all other areas of Berkshire County, Massachusetts.
Individuals who are institutionalized, have a severe chronic illness, or have special financial needs are encouraged to look into the 2023 Medicare SNP Plans in Berkshire County, Massachusetts.
The 2023 Medicare Part C plan information for Berkshire County, Massachusetts was last updated by the All Medicare team on .