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Best Medicare Supplement Plans in Maryland – F, G & N Benefits

Medicare beneficiaries are searching for the best Medicare Supplement insurance plans in Maryland to help cover healthcare expenses that Medicare doesn’t cover.

After you meet yearly deductibles, Original Medicare pays 80 percent of its approved amount for each service. The remaining 20 percent is coinsurance that you’re responsible for paying. This “gap” between what Medicare pays and what you’re responsible for is why Medicare Supplement plans in Maryland are often referred to as Medigap policies.

Although Medicare Supplement insurance plans help cover copayments and other out-of-pocket expenses, they don’t cover everything you might need. Medigap policies exclude the following:

  • Routine dental
  • Routine vision
  • Prescription drugs
  • Hearing aids and exams
  • Procedures and treatments that Original Medicare insurance doesn’t cover

Also, Medicare Supplement plans in Maryland only offer single coverage. Your spouse has to buy a separate Medigap policy.

Best Types of Medicare Supplement Plans in Maryland

There are 10 Medigap plans in Maryland that a Medicare beneficiary can select from. A letter designates each plan, such as Plan M. Following is more information about Medicare Supplement insurance plans in Maryland:

  • Plan letters offer identical benefits regardless of which insurer sells you the policy (from Blue Cross Blue Shield to United Healthcare and more) and where you reside.
  • A Medicare insurance company isn’t required to sell all plan letters.
  • You must stay enrolled in Medicare Part A and Medicare Part B through the U.S. government Medicare program to qualify for Medicare Supplement plans.
  • Medigap plans in Maryland are guaranteed renewable as long as you pay your premiums and don’t falsify information.

A Medicare insurance company offering Medigap plans in Maryland must provide at least one plan to Medicare beneficiaries under age 65 who have a disability or end-stage renal disease. For Plan A only, Medigap insurers cannot charge higher premiums for those under 65 than they charge for policyholders over age 65.

Buying the best Medicare Supplement insurance plan in Maryland starts with comparing the benefits that each plan features. Consider several things when you’re determining which plan fits your needs:

  • Do you go to the doctor a lot? If so, you might want a plan that pays all of your Medicare A and B deductibles.
  • Are you healthy? If so, then you might opt for a plan that features copayments or higher coinsurance in return for a lower premium.
  • Is there a waiting period before the carrier pays for a pre-existing condition?

Once you’ve decided on the plan that best matches your health needs, to buy the best Medicare Supplement plan in Maryland, your next step is to compare rates for that plan. Rates will vary based on several factors:

  • Insurance agency
  • Gender
  • Age
  • Location
  • When you apply for a Medigap policy
  • Whether you smoke
  • Whether the carrier offers a household premium discount (discounts range from 7 percent to 10 percent)
  • Method used to calculate rates

Insurance companies can use three methods to calculate rates:

  • No age (community) — everyone pays the same premium.
  • Attained age — carriers calculate your premium based on your current (attained) age, which means premiums will increase as you age
  • Issue age — insurers calculate the rates based on your age when they sell you the policy.

Insurance carriers sell most of the Medicare Supplement insurance plans in Maryland based on the attained-age method.

Once you shop around and compare coverage, you’ll be equipped to decide which is the best Medicare Supplement plan in Maryland for you.

Benefits of Medicare Supplement Plan F in Maryland:

Medigap Plan F in Maryland is the most popular of all of the Maryland Medigap plans. It has some of the highest monthly premiums, but it provides the most additional coverage on top of the Medicare benefits offered by the federal Medicare program.

Because of all of these benefits, you can enjoy reasonable and predictable out of pocket costs for your healthcare if you choose this Maryland Medicare Supplement:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care 

Benefits of Medicare Supplement Plan G in Maryland:

Another very popular Medicare plan is Medigap Plan G in Maryland. Plan G is another one of the plan options that offers comprehensive benefits. It’s more affordable than Plan F but offers almost the exact same level of coverage.

  • Does NOT cover Medicare Part B deductible 

Benefits of Medicare Supplement Plan N in Maryland:

Plan A and Plan C are a couple of plans that are more basic. They have affordable monthly premiums but don’t cover as much. However, the most popular option for individuals looking to save money on their premiums is Medigap Plan N in Maryland.

If you like the idea of signing up for one of the more affordable Maryland Medicare Supplement plans but want a decent benefit structure, Medicare Plan N is a reasonably priced cost-sharing plan and is a good option to consider:

  • Does NOT cover Part B Deductible
  • Does NOT cover Part B excess charges
  • Requires $20 copay for office visits
  • Requires $50 copay for Emergency room visits 

Medicare Supplement Plans in Maryland: When Can I Enroll?

Maryland, like most other states, has a six-month Medigap Open Enrollment Period (OEP). This initial enrollment period begins the first month that you’re both 65 and enrolled in Part B. The best time to enroll in a Medicare Supplement plan in Maryland is during this OEP because you’re guaranteed certain rights:

  • You don’t have to undergo a medical history.
  • The insurance company can’t deny you because of a pre-existing condition, although it can enforce a waiting period before covering the pre-existing condition.
  • The insurer cannot charge you higher rates because of your medical history.

Once your Medigap Open Enrollment Period expires, you no longer have guaranteed-issue rights except under specific situations.

During Open Enrollment, it’s time to start looking for drug coverage, too. Medicare Part D prescription drug plans are not included in Medicare Supplement plans in Maryland like they are with many Medicare Advantage plans. Signing up is easy with the help of an insurance agent, though, and you’ll have coverage for prescription drugs in no time.

Medicare Supplement Plans in 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.

Maryland Medicare Resources

Senior Health Insurance Program 

Maryland Department of Aging 

Switching Medigap Policies 


Related Topics for Comparing Medicare Supplement Companies and Plans in Maryland

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 AetnaCigna 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.

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