Medicare Supplement Plans in Maryland, also known as Medigap Plans, fill the gaps in Part A and Part B of Original Medicare, such as deductibles, copayments/coinsurances, and excess charges. Without them, your Medicare costs could be very high. Medicare Supplement Plans in Maryland are sold by private insurance companies, and like plans in most other US States, they are standardized.
Article Contents
Standardized Medigap Plans
Maryland State Regulations
Maryland Medigap Plans: Vendors and Premiums
Standardized Medigap Plans
There are 10 Standardized Plans, designated by the letters “A” through “N.” Each of them has its own set of benefits, and these benefits are identical for all vendors. In other words, the benefits of Medicare Supplement Plan F from one vendor are the same as benefits from any other vendors. The difference is just a premium, and it may be significantly different from vendor to vendor. That is why knowledge of Medigap vendors and their premiums in your particular area may be quite important.
Medicare Supplement Plans in Maryland: State Medicare Supplement Regulations
Medigap premiums in Maryland are established using the following factors:
- Age
- Zip code (and sometimes a County within the zip code)
- Gender
- Whether or not you are a tobacco user.
Rates usually are lower in rural areas and higher in urban areas. Male rates are typically higher than female rates by 10-15%.
The Maryland law allows Medicare providers to charge more than what Medicare allows – the difference is known as Extra Charges. The Medicare Supplement Plans in Maryland that include Extra Charges (Medicare Supplement Plan F and Medicare Supplement Plan G) are more expensive than plans that do not include them (Medicare Supplement Plan C and Medicare Supplement Plan D).
For people having Medicare due to disability under the age of 65, Maryland has added requirements that allow people under 65 to get Medicare Supplement. The requirements are:
- Medigap plans A and C are available for people under age 65 enrolling at the Medicare Supplement Open Enrollment
- Medigap plans A and C are available for people under age 65 entitled to Guaranteed Issue Rights
Most Maryland Medicare Supplement providers offer Medigap plans for people age 50-64. The typical cost is 10% more than the corresponding plan for people who are 65 years old.
Maryland does not have any additional special Guaranteed Issue windows, such as 30-day birthday period. A household discount is allowed in Maryland, and several Medicare Supplement vendors include it. The typical discount is 5 to 7 percent.
To find more about Medicare Supplement Plans in Maryland, read Maryland Medigap Plans (Medicare Supplement Plans).
Medicare Supplement Plans in Maryland: Baltimore
Most of Medigap vendors selling policies in Maryland are on the Liberty Medicare list of Medigap carriers. We only deal with highly respected companies. Only two of them have AM Ratings B+; the rest has ratings A-, A, and A+.
There are some well-known names, such as Transamerica, Humana, and United of Omaha. Some of them may have attractive rates in Maryland. But there are also companies that are smaller and less known, and they often provide real Medicare Supplement Plans bargains. Have you heard of the companies Thrivent Financial and Americo? They have high ratings (A++ and A) and provide one of the best Medicare Supplement Rates in Maryland. And the premium is the only real difference in the world of standardized Medigap plans.
In the tables below you’ll find the range of premiums for different ages in major Maryland city – Baltimore.
Table 1. The Range of Medigap premiums for Age 50 in Baltimore, MD
| Medicare Supplement Plans | |
| Gender | Plan A |
| Female | $139-$274 |
| Male | $154-$274 |
Table 2. The Range of Medigap premiums for Age 65 in in Baltimore, MD
| Medicare Supplement Plans | |||
| Gender | Plan F | Plan G | Plan N |
| Female | $144-$394 | $114-$356 | $96-$283 |
| Male | $163-$453 | $131-$409 | $110-$325 |
Table 3. The Range of Medigap premiums for Age 70 in in Baltimore, MD
| Medicare Supplement Plans | |||
| Gender | Plan F | Plan G | Plan N |
| Female | $161-$394 | $129-$356 | $108-$282 |
| Male | $185-$453 | $146-$409 | $124-$325 |
Table 4. The Range of Medigap premiums for Age 75 in in Baltimore, MD
| Medicare Supplement Plans | |||
| Gender | Plan F | Plan G | Plan N |
| Female | $187-$416 | $152-$384 | $128-$305 |
| Male | $215-$478 | $175-$441 | $147-$350 |
If you live in Maryland, please contact us if you need help selecting and enrolling in Maryland Medicare Supplement Plans. Use our very extensive list of Medigap carriers, and find a reputable vendor with the most affordable rate.
For more information, read Compare Medicare Supplement Plans and How to Choose a Medicare Supplement Plan and Vendor.
Maryland Insurance Department
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For help finding the best for YOU Medicare Supplement Plan in Maryland, please contact Liberty Medicare or call us at 877-657-7477.
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