Speak with a licensed agent: 1-888-414-4547
Find Affordable Medigap Plans in Maryland

Best Medicare Supplement Plans in Maryland 2021

When you sign up for Original (traditional) Medicare through Social Security, Medicare Supplement plans in Maryland are available to you at the same time. Medicare Supplement plans in Maryland offer additional coverage to lower your out-of-pocket costs. Let’s take a look at why some Medicare beneficiaries think Original Medicare alone may not be enough.

What are the Top 5 Medicare Supplement Plans in Maryland?

The following five Medicare Supplement Plans in Maryland are considered the top plans based on value, coverage, and/or pricing. As you review these plan options, consider your personal priorities when it comes to Medicare coverage.

1. Best full coverage: Medicare Plan F

Plan F covers every benefit that Medigap has to offer.

If your effective date of Medicare eligibility was prior to January 1, 2020, you can select this program.

Benefits:

  • Part A coinsurance when you are hospitalized (up to plan limits)
  • Part B coinsurance or copayment
  • Blood – first three pints
  • Hospice care coinsurance or copayment
  • Skilled nursing facility coinsurance
  • Part B and Part A deductible
  • Part B excess charges
  • Emergency services during travel (up to plan limits)

2. Most comprehensive coverage: Medicare Plan G

Plan G encompasses the same benefits as Plan F with the exception of the Part B deductible. Plan G maybe your top choice if you:

  • Prefer Plan G over F because the premium is lower

3. Best value: Medicare Plan N

Plan N offers a lower premium to counterbalance the following:

  • No coverage for Part B deductible and excess charges
  • Copayment due for office visits: up to $20
  • Copayment due for emergency room visits: up to $50 (waived if you are admitted to the hospital)

4. Best high deductible plan: High-Deductible Plan F

High deductible Plan F is available if you were eligible for Medicare earlier than January 1, 2020. When you compare this to the original Plan F, you will see that all the benefits are the same. The difference is:

  • You pay a lower monthly premium than Plan F.
  • Before the plan pays benefits, you must meet a deductible ($2,370 in 2021).

5. Best for lowest premiums: High-Deductible G

This plan mimics the original Plan G. Premiums are lower to compensate for the deductible due ($2,370 in 2021).

What is the Best Supplemental Insurance to go with Medicare?

Identifying the best Medicare Supplement insurance plan is not always easy because there are multiple variables to consider. Our licensed insurance agents have in-depth knowledge of each policy. They can answer your questions to make the decision-making process easier.

What is the most popular Medicare Supplement plan in Maryland for 2021

Plan G has taken over Plan F in popularity because G is available regardless of when you became eligible for Medicare. The benefits are almost the same.

Which plan has the best benefits in Maryland?

Plan G: Best For Comprehensive Benefit Package

Plan G offers every benefit you get with Plan F less the Part B deductible. Additionally, you get the comfort of knowing that you can:

  • Go to your health care provider of choice as long as the provider participates in Medicare.
  • Move to a different medical practice if you desire.
  • Go to the hospital or health care center you prefer as long as the facility is contracted with Medicare.
  • Get medical services from a specialist – no referral needed.

Plan F: Best For Full coverage

Plan F offers the full range of benefits available within Medigap insurance. However, availability is limited, depending on when you became eligible for Medicare and whether or not you have enrolled. Also, you still need to buy a Medicare Part D plan if you want prescription drug coverage.

How do I choose the best plan?

Our Policy Guides can help you evaluate each plan. The best plan for you is the one that gives you the most coverage at a price you can afford.

Which Medigap company offers the best rates in Maryland?

Different insurers have different approaches to how they rate Medigap policies. You may know someone who was quoted a good rate by a certain company, but that does not mean the same rate would apply to you. Our Policy Guides are efficient in providing quotes specific to your situation so you can compare apples to apples.

What is the Average Cost for a Medicare Supplement Plan in Maryland for 2021?

Let’s say you are:

  • A woman 65 years of age
  • Not a smoker
  • Living in Montgomery, zip code 20878

These are the rates you can expect:

Maryland Medigap Plan Premium Range Average Premium
Plan L $126.93 – $143.20 $135.07
Plan N $94.80 – $142.39 $119.84
Plan G $123.3 – $207.77 $156.17

Common Maryland Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Maryland?

The following health insurance companies earned four-star ratings from Consumer Affairs:

  • Aetna
  • Cigna
  • Mutual of Omaha
  • Kaiser

When Can I Apply for a Maryland Medicare Supplement Plan

If you are at least 65 years old and enrolled in Part B, you can apply for a Medicare Supplement insurance plan in Maryland.

Here are the possible scenarios when you may sign up:

  • During Medigap Open Enrollment Period: six month period that begins from the month you turn 65
  • After losing other health insurance, giving you a guaranteed issue right
  • Delayed enrollment without guaranteed issue rights

The best time to sign up is during the Medigap Open Enrollment Period. During that time, or later if you have guaranteed issue rights, the insurance company must:

  • Sell you a Medicare Supplement insurance plan in Maryland
  • Include coverage for pre-existing conditions
  • Refrain from higher pricing due to your health conditions

Delaying enrollment may cost you more money or leave you with no Medigap coverage.

Which is better, Medigap Plan G or Plan N?

Both Plan G and N offer many benefits. If you want to keep your premium low, Plan N is better. However, unlike Plan G, you may have to pay copayments for office visits and emergency room visits. Also, any excess charges will not be covered

What is Medicare Supplement Insurance?

When you sign up for Original (traditional) Medicare through Social Security, Medicare Supplement plans in Maryland are available to you at the same time. Medicare Supplement plans in Maryland offer additional coverage to lower your out-of-pocket costs. Let’s take a look at why some Medicare beneficiaries think Original Medicare alone may not be enough.

Is Plan G the Best Medigap Plan in Maryland?

How Much Does it Cost?

Your cost will be based on:

  • Your age
  • Whether or not you smoke
  • Where you live

For example, The average monthly premium for a 65-year-old nonsmoking female living in zip code 20906 is about $156. 

What is the Plan G Deductible?

There is no deductible for Plan G. However, you will be responsible for the Part B deductible – $203 in 2021. 

What does Medigap Plan G Cover in Maryland?

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Maryland Medicare Resources

Maryland Enrollment Statistics

Maryland has an estimated population of more than 6 million living in 23 counties. Here are the five largest:

  • Montgomery
  • Prince Georges
  • Baltimore
  • Anne Arundel
  • Howard

Of the 6 million, about 14 percent are 65 or older. Here are some more Medicare tidbits for Maryland:

  • In 2018, 893,817 residents had Original Medicare insurance.
  • Of those enrolled in Medicare, 12 percent had Medicare Advantage.
  • In 2015, about 28 percent of seniors enrolled in one of Maryland’s Medicare Supplement insurance plans.
Key Take Aways
  • In Maryland, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Maryland to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547