Medicare Advantage Plans by Maryland County
Greetings Maryland seniors. If you’re looking for a Medicare Advantage Plan for Maryland seniors with Medicare, you’re in the right place. An Advantage Plan is an approved HMO or PPO healthcare plan that you can elect to replace your Original Medicare private-fee-for-service benefits. They are designed to save you money and reduce your financial risk.
Rural counties in Maryland may have few HMO or PPO health plans, or possibly none at all. Advantage Plan providers uses hospital and doctor networks to provide care. Find your county below to start comparing plans..
Find a Maryland Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in Maryland. Click Here to see your agents. You can request confidential quotes online to compare rates.
Supplement Plans vs. Advantage HMO or PPO: Full Coverage Health Plan Options in Maryland
A Medicare Advantage plan is one option for full coverage health insurance, but you have a second option that works with your Original Medicare. You can keep your Part A and Part B coverage and supplement it with a Medigap policy and a Medicare Part D Prescription Drug Plan. If you’re not familiar with Medigap policies in Maryland, and how they pay your deductibles, co-insurances and co-pays, read our Medicare Supplement page. All Medigap plans available in Maryland are standardized. That means a Plan F, as an example, has the same benefits from every company that sells it. The only difference is the monthly premium
Medicare Advantage Enrollment in Maryland
In general, there are two times that you can enroll in a Maryland Medicare Advantage plan that’s available in your county. The first time you can enroll is during your Initial Enrollment Period (IEP). For most people, your IEP happens when you turn 65. After that, you enroll in an MA plan during open enrollment, called the Annual Election Period (AEP). During AEP, which starts every year on October 1st and ends on December 7th, you can enroll, dis-enroll or change plans.
If you are ready to enroll in an Maryland MA plan, but you’re not sure how, relax, because it’s easy. To get started you’ll need a Medicare insurance agent. Your agent is licensed in your state to sell health and life insurance products. Plus, they are experts on the latest plans available, and they are required by law to follow strict selling and marketing guidelines. It’s all for your protection. If you prefer, you can purchase plans directly through Medicare.gov, as well. Click here to get started.
Medicare Advantage Plan in Maryland vs. Obamacare
Like a lot of Maryland seniors, you might be wondering how the new Obamacare law and the Maryland State Health Insurance Exchange affect Medicare Advantage Plans. In general, the new healthcare law leaves MA plans virtually unchanged. There are new rules specifying a medical loss ratio for the carriers, but that’s about it.
Here are some additional facts about your Maryland State Health Insurance Exchange. First, it’s not for Maryland seniors with Medicare or those with Medicare Disability, and you can’t trade your Medicare benefits for a plan on your state exchange. Second, your state’s health exchange won’t help you with additional benefits, regardless of your income level. If you need Extra Help, visit your local Social Security Administration office. Learn more about Obamacare at www.HealthCare.gov.
Maryland Medicare Advantage Plan Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details and only a licensed insurance agent can give you quote. For additional information go to the CMS website at: http://cms.gov.