Seniors have more health insurance options than ever before, including Maryland Medicare Advantage Plans. When you enroll in Medicare Advantage you are trading your Original Medicare benefits for private health insurance available in Maryland.
Plans vary from county to county. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
How-To Enroll in a Maryland Medicare Advantage Plan
If you are age 65 or older, you most likely qualify to enroll the Maryland Medicare Advantage plan of your choice. If you have End-Stage Renal Disease (ESRD), you will likely need to stay on Original Medicare.
You can join or switch plans during a Medicare Election Period. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
You also have an Individual Election Period (IEP). Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
You have three different enrollment options. You can call a plan directly. This makes for quick and easy enrollment if you already know the plan you want.
The second way is to go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
The third way is to use an independent insurance agent. This is ideal when you want to meet with someone face-to-face to get sound advice. Many agents work with multiple insurance companies, so you’ll have plenty of options.
Maryland Medicare Advantage vs. Original Medicare + Medigap
Medicare Advantage is one way to get full coverage healthcare. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Maryland Medicare Part D Plan (prescriptions) and Maryland Medicare Supplement Insurance.
A Medicare Supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our Maryland Medigap Plans page for more information. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
About Our 2015 Maryland Medicare Advantage (Part C) Information
MedicareWire.com collects Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must consult with a licensed insurance agent to get an exact quote for your situation.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.