Author: Dr. Patricia Chen

Medicare Options in Montana

Montana residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 240,000 Medicare beneficiaries, Montana is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Montana

Montana has 8 Medicare Advantage plans available, with an average star rating of 3.6 out of 5.0. The average monthly premium across all MA plans in the state is $4.80/month average premium. Medicare Advantage plans in Montana typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Montana

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Montana is 3.6 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Montana

Montana has 20 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Montana Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Montana

Medigap Plan G is the most popular Medicare Supplement plan in Montana, with an average monthly premium of $118. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Montana

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$118/month
Plan N	Covered	Covered (with copays)	Covered	$97/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$136/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$53/month

Medicaid in Montana

Montana has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Montana (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Montana

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Montana residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Montana

Social Security Disability Insurance (SSDI) recipients in Montana automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Montana, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Montana residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Missouri

Missouri residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,360,000 Medicare beneficiaries, Missouri is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Missouri

Missouri has 44 Medicare Advantage plans available, with an average star rating of 3.9 out of 5.0. The average monthly premium across all MA plans in the state is $8.20/month average premium. Medicare Advantage plans in Missouri typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Missouri

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Missouri is 3.9 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Missouri

Missouri has 24 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Missouri Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Missouri

Medigap Plan G is the most popular Medicare Supplement plan in Missouri, with an average monthly premium of $122. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Missouri

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$122/month
Plan N	Covered	Covered (with copays)	Covered	$100/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$140/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$55/month

Medicaid in Missouri

Missouri has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Missouri (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Missouri

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Missouri residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Missouri

Social Security Disability Insurance (SSDI) recipients in Missouri automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Missouri, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Missouri residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Mississippi

Mississippi residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 680,000 Medicare beneficiaries, Mississippi is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Mississippi

Mississippi has 22 Medicare Advantage plans available, with an average star rating of 3.6 out of 5.0. The average monthly premium across all MA plans in the state is $5.60/month average premium. Medicare Advantage plans in Mississippi typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Mississippi

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Mississippi is 3.6 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Mississippi

Mississippi has 22 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Mississippi Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Mississippi

Medigap Plan G is the most popular Medicare Supplement plan in Mississippi, with an average monthly premium of $108. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Mississippi

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$108/month
Plan N	Covered	Covered (with copays)	Covered	$89/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$124/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$49/month

Medicaid in Mississippi

Mississippi has not expanded Medicaid, meaning most adults without dependent children do not qualify for Medicaid regardless of income. Only parents earning up to 21% FPL ($5,737/year for a family of three) may qualify.

Medicaid Income Limits in Mississippi (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Mississippi

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Mississippi residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Mississippi

Social Security Disability Insurance (SSDI) recipients in Mississippi automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Mississippi, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Mississippi residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Minnesota

Minnesota residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,180,000 Medicare beneficiaries, Minnesota is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Minnesota

Minnesota has 38 Medicare Advantage plans available, with an average star rating of 4.2 out of 5.0. The average monthly premium across all MA plans in the state is $11.20/month average premium. Medicare Advantage plans in Minnesota typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Minnesota

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Minnesota is 4.2 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Minnesota

Minnesota has 23 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Minnesota Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Minnesota

Medigap Plan G is the most popular Medicare Supplement plan in Minnesota, with an average monthly premium of $148. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Minnesota

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$148/month
Plan N	Covered	Covered (with copays)	Covered	$121/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$170/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$67/month

Medicaid in Minnesota

Minnesota has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Minnesota (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,118/month	For seniors and disabled individuals

Medicare Savings Programs in Minnesota

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Minnesota residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Minnesota

Social Security Disability Insurance (SSDI) recipients in Minnesota automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Minnesota, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Minnesota residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Michigan

Michigan residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 2,280,000 Medicare beneficiaries, Michigan is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Michigan

Michigan has 52 Medicare Advantage plans available, with an average star rating of 4.0 out of 5.0. The average monthly premium across all MA plans in the state is $9.40/month average premium. Medicare Advantage plans in Michigan typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Michigan

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Michigan is 4.0 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Michigan

Michigan has 25 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Michigan Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Michigan

Medigap Plan G is the most popular Medicare Supplement plan in Michigan, with an average monthly premium of $132. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Michigan

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$132/month
Plan N	Covered	Covered (with copays)	Covered	$108/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$152/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$59/month

Medicaid in Michigan

Michigan has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Michigan (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Michigan

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Michigan residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Michigan

Social Security Disability Insurance (SSDI) recipients in Michigan automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Michigan, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Michigan residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Massachusetts

Massachusetts residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,420,000 Medicare beneficiaries, Massachusetts is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Massachusetts

Massachusetts has 24 Medicare Advantage plans available, with an average star rating of 4.3 out of 5.0. The average monthly premium across all MA plans in the state is $18.60/month average premium. Medicare Advantage plans in Massachusetts typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Massachusetts

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Massachusetts is 4.3 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Massachusetts

Massachusetts has 21 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Massachusetts Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Massachusetts

Medigap Plan G is the most popular Medicare Supplement plan in Massachusetts, with an average monthly premium of $182. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Massachusetts

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$182/month
Plan N	Covered	Covered (with copays)	Covered	$149/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$209/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$82/month

Medicaid in Massachusetts

Massachusetts has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Massachusetts (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,118/month	For seniors and disabled individuals

Medicare Savings Programs in Massachusetts

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Massachusetts residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Massachusetts

Social Security Disability Insurance (SSDI) recipients in Massachusetts automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Massachusetts, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Massachusetts residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Maryland

Maryland residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,060,000 Medicare beneficiaries, Maryland is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Maryland

Maryland has 28 Medicare Advantage plans available, with an average star rating of 4.0 out of 5.0. The average monthly premium across all MA plans in the state is $13.20/month average premium. Medicare Advantage plans in Maryland typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Maryland

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Maryland is 4.0 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Maryland

Maryland has 22 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Maryland Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Maryland

Medigap Plan G is the most popular Medicare Supplement plan in Maryland, with an average monthly premium of $156. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Maryland

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$156/month
Plan N	Covered	Covered (with copays)	Covered	$128/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$179/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$70/month

Medicaid in Maryland

Maryland has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Maryland (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Maryland

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Maryland residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Maryland

Social Security Disability Insurance (SSDI) recipients in Maryland automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Maryland, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Maryland residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Maine

Maine residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 380,000 Medicare beneficiaries, Maine is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Maine

Maine has 14 Medicare Advantage plans available, with an average star rating of 3.9 out of 5.0. The average monthly premium across all MA plans in the state is $16.40/month average premium. Medicare Advantage plans in Maine typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Maine

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Maine is 3.9 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Maine

Maine has 20 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Maine Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Maine

Medigap Plan G is the most popular Medicare Supplement plan in Maine, with an average monthly premium of $158. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Maine

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$158/month
Plan N	Covered	Covered (with copays)	Covered	$130/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$182/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$71/month

Medicaid in Maine

Maine has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Maine (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,014/month	For seniors and disabled individuals

Medicare Savings Programs in Maine

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Maine residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Maine

Social Security Disability Insurance (SSDI) recipients in Maine automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Maine, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Maine residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Louisiana

Louisiana residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 890,000 Medicare beneficiaries, Louisiana is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Louisiana

Louisiana has 34 Medicare Advantage plans available, with an average star rating of 3.7 out of 5.0. The average monthly premium across all MA plans in the state is $8.90/month average premium. Medicare Advantage plans in Louisiana typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Louisiana

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Louisiana is 3.7 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Louisiana

Louisiana has 24 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Louisiana Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Louisiana

Medigap Plan G is the most popular Medicare Supplement plan in Louisiana, with an average monthly premium of $124. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Louisiana

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$124/month
Plan N	Covered	Covered (with copays)	Covered	$102/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$143/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$56/month

Medicaid in Louisiana

Louisiana has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Louisiana (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Louisiana

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Louisiana residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Louisiana

Social Security Disability Insurance (SSDI) recipients in Louisiana automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Louisiana, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Louisiana residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Kentucky

Kentucky residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,020,000 Medicare beneficiaries, Kentucky is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Kentucky

Kentucky has 36 Medicare Advantage plans available, with an average star rating of 3.8 out of 5.0. The average monthly premium across all MA plans in the state is $7.60/month average premium. Medicare Advantage plans in Kentucky typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Kentucky

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Kentucky is 3.8 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Kentucky

Kentucky has 23 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Kentucky Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Kentucky

Medigap Plan G is the most popular Medicare Supplement plan in Kentucky, with an average monthly premium of $120. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Kentucky

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$120/month
Plan N	Covered	Covered (with copays)	Covered	$98/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$138/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$54/month

Medicaid in Kentucky

Kentucky has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Kentucky (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Kentucky

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Kentucky residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Kentucky

Social Security Disability Insurance (SSDI) recipients in Kentucky automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Kentucky, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Kentucky residents may qualify for Medicaid to bridge the coverage gap.