Don't let all of the Medicare health insurance options in Baltimore County scare you. Click one of the plan types below to compare just the Medicare coverage you need. Click here to learn more about your Medicare options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Baltimore County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in Maryland. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of Baltimore County or throughout the state).
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Baltimore County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a Baltimore County Medicare Advantage plan you are opting to receive all of your healthcare benefits through the plan. There are strict rules governing going back to Original Medicare, so read and be informed. In most cases you must wait until the next Annual Election Period.
For most Baltimore County seniors cost is a factor, so let's talk about it. You have plans as low as $0.00 per month and some as high as $189.00 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 6 plans that give you prescription drug coverage and 5 that don't include it.
There are several different type of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Medical Savings Account (MSA). HMO and PPO plans are the most common. We identify the plan type and its benefits on each plan page.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
The most important benefit offered by Medicare Advantage insurance is the annual cap on your out-of-pocket expenses. The limit, called your Maximum Out-of-Pocket (MOOP) expense, is set each year by the Centers for Medicare and Medicaid Services (CMS). However, CMS allows plans to offer a lower alternative MOOP, so look for it. It's the MOOP that will help you sleep better at night knowing that a trip to the emergency room won't clean out your savings.
A full thirty-three percent of all Medicare beneficiaries enroll in Medicare Advantage each year. The reason is simple: it's a cost-effective alternative to Original Medicare. We encourage you to learn more by visiting our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages.
Medicare Supplement Insurance in Baltimore County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in Maryland (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Baltimore County
Most Maryland seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a PDP.
You have a variety of options available to you throughout Maryland. This year there are a total of 31 prescription drug plans available, each with its own formulary. Monthly premiums start at just $12.60 and go up to $170.50 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
How-To Find a Medicare Doctor in Baltimore County, Maryland
We've recently added all Baltimore County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Baltimore, Catonsville, Cockeysville, Dundalk, Essex, Fort Howard, Gwynn Oak, Halethorpe, Hunt Valley, Hydes, Kingsville, Lutherville Timonium, Middle River, Monkton, Nottingham, Owings Mills, Parkton, Parkville, Perry Hall, Phoenix, Pikesville, Randallstown, Reisterstown, Rosedale, Sparks Glencoe, Towson, White Marsh, Windsor Mill, and surrounding areas.