Massachusetts · 2026 plan year
Medicare Advantage PPO plans in Massachusetts
There are 32 Medicare Advantage PPO plans in Massachusetts from 9 carriers, averaging 3.98 out of 5 stars across the 30 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
32
PPO plans
9
Carriers
14
Counties covered
4.0
Avg stars (30 of 32 rated)
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Massachusetts PPO plans rank 12th of 51 on star rating.
Across the 30 rated plans here the average overall rating is 3.98 stars, 12th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated PPO plans in Massachusetts
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Aetna Medicare Signature (PPO)Aetna Medicare | 4.5★ | — | $0 |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare | 4.5★ | — | $0 |
| Medicare PPO Blue EssentialRx (PPO)Blue Cross Blue Shield of Massachusetts | 4.5★ | — | $25.20 |
| Medicare PPO Blue PlusRx (PPO)Blue Cross Blue Shield of Massachusetts | 4.5★ | — | $175.60 |
| Medicare PPO Blue ValueRx (PPO)Blue Cross Blue Shield of Massachusetts | 4.5★ | — | $20.70 |
Showing 5 of 32. See all MassachusettsMedicare Advantage plans →
Who sells here
PPO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Tufts Health PlanPoint32Health, Inc. | 7 | 4.0 | — |
| Mass General Brigham Health PlanMass General Brigham Incorporated | 6 | 4.0 | — |
| Aetna MedicareCVS Health Corporation | 4 | 4.5 | — |
| Blue Cross Blue Shield of MassachusettsBlue Cross and Blue Shield of Massachusetts, Inc. | 4 | 4.5 | — |
| UnitedHealthcareUnitedHealth Group, Inc. | 4 | 3.5 | — |
| eternalHealthEternal Health of Delaware, Inc. | 2 | — | — |
| HumanaHumana Inc. | 2 | 3.5 | — |
| Mass AdvantageCentral Mass Health Holding LLC | 2 | 4.0 | — |
| Health New England Medicare Advantage PlansBaystate Health, Inc. | 1 | 2.5 | — |
Other plan types in Massachusetts
How PPO compares
Nearby on quality
States with similar PPO star ratings
Common questions
Massachusetts Medicare Advantage PPO plans, answered
How much do Medicare Advantage PPO plans cost in Massachusetts?
Of the Massachusetts PPO plans with a published premium, 58% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Massachusetts PPO plans?
The 30 rated PPO plans in Massachusetts average 3.98 out of 5 stars, with 23 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Massachusetts?
There are 32 PPO plans from 9 carriers, sold across 14 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place.
Do Massachusetts PPO plans include prescription drug coverage?
32 of the 32 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Massachusetts?
None of the PPO plans in Massachusetts are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
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