Maryland Medicare Plans & Maryland Health Insurance Plans

Maryland Health Insurance Plans
UPDATED Feb. 7, 2019. There is a wide variety of Maryland Medicare Plans for people aged 65 years and older, or for people with disabilities younger than 65. There is also Maryland Health Insurance Plans for people under age 65.

Maryland Medicare Plans: Maryland Medicare Advantage Plans
Maryland Medicare Plans: Maryland Medicare Prescription Drug Plans
Maryland Medicare Plans: Maryland Medicare Supplement Plans
Maryland Short Term Insurance
Maryland Dental Insurance Plans
Maryland Supplemental Insurance
Additional Resources

Maryland Medicare Plans

Maryland Medicare Plans: Maryland Medicare Advantage Plans

The alternative to using Original Medicare is to enroll in one of Maryland’s Medicare Advantage Plans. These plans are offered by private insurance companies. They cover all services as provided by the Original Medicare program. Plans typically include a Medicare Prescription Drug Plan and extra services such as gym membership, wellness programs as well as dental, hearing and vision services.

There are several types of Medicare Advantage plans available. These include HMO, PPO, PFFS, MSA and SNP. All plans are available within the state of Maryland. Below is the list of Maryland Medicare Advantage providers represented by Liberty Medicare:

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Maryland Medicare Plans: Maryland Medicare Prescription Drug Plans

If you are covered by the Original Medicare in Maryland, you should enroll in one of the stand-alone Medicare Prescription Drug Plans (PDPs). The enrollment is optional. However, there is a penalty charged for delayed enrollment, making enrollment a practical necessity. PDP’s are run by private companies that cover both generic and brand name drugs. Most of these are well-known companies that conduct business across most of the United States.

State Pharmaceutical Assistance Programs (SPAPs)

Maryland has the following SPAP: Maryland Senior Prescription Drug Assistance Program (SPDAP). This program help to pay for prescription drugs based on financial need, age, or medical condition.

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Maryland Medicare Plans: Maryland Medicare Supplement Plans

Original Medicare does not cover all of your medical expenses. Medicare Supplement Plans (Medigap Plans) provide protection against Original Medicare out-of-pocket costs. The costs include deductibles, co-payments, coinsurances and excess charges. Your Medicare health costs may be very significant without such plans. Plans are sold by private insurance companies licensed in Maryland.

Maryland Medicare Supplement Plans describe Maryland specific Medigap regulations and provide a Liberty Medicare list of Maryland Medigap carriers.

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Maryland Short Term Health Insurance

Maryland Short Term Health Insurance provides health insurance for individuals and families in times of transition. Short Term Health Insurance covers the need for temporary medical coverage. It is an alternative to Qualified Health Plans whenever those plans are either unavailable (i.e., fall outside of Annual Enrollment Period) or unaffordable.

See Liberty Medicare list of Short Term Health Care Providers.

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Maryland Dental Insurance Plans

Dental Insurance Plans in Maryland are available for people under 65 as well as for people over 65. There are three types of Dental Insurance available. These include:

  • Indemnity Dental Insurance. With this dental insurance, you may choose your own dentist, as there are no network requirements.
  • PPO Dental Insurance. This dental plan operates through a network of preferred doctors whose services are based on discount fees. Fees are higher for patients who visit doctors outside of the network.
  • Dental Discount Plans. These plans are not dental insurance. Instead, they are an agreement by the participating doctors to offer discount prices for the majority of dental work.

All of the above dental insurance plans are available in Maryland. See Liberty Medicare list of Dental & Vision Insurance Providers.

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Maryland Supplemental Insurance

Maryland supplemental insurance plans, such as Hospital Indemnity plans, Recovery Care plans and Critical Illness plans, are Indemnity Health Plans. They allow you to visit any health provider without health network limitations. Such plans pay you the specified cash amount for each covered service, regardless of what the provider charges you.

A variety of Supplemental Plans are available in Maryland. See Liberty Medicare list of Individual Supplemental Insurance Providers.

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Additional Resources

Maryland Department of Human Resources
Maryland Medical Assistance
Maryland Resources for Senior Citizens

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Let Liberty Medicare Help you to Select one of the Maryland Medicare Plans / Maryland Individual Health Plans

Liberty Medicare is here to help you through the entire process of selecting and enrolling in the best, most suitable for you Maryland Health Plan (either Medicare Plan or Individual Health Insurance Plan).

All of our many services are offered to you at no cost. We’ll help you to compare key attributes of the Maryland Health Plans in your area, such as:

  • Benefits
  • Cost
  • Doctor access and network limitations
  • Medical Underwriting (if applicable)
  • Plan quality

Liberty Medicare represents many well-known Medicare and Individual Health providers in Maryland. Learn more about all the benefits of working with Liberty Medicare.

If you are looking for Maryland Health insurance, let us guide you. To view real quotes from insurance providers, please fill out the Medicare Quotes or Individual Health Quotes form. Alternatively, you may give us a call at 877-657-7477, and you will be connected to a licensed agent/broker.