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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 16, 2025

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Medicare Advantage
 » 
Maryland

2025 Guide to Medicare Advantage Plans in Maryland

by David Bynon, last updated July 16, 2025

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Finding the Top Medicare Advantage Plan in Maryland Starts Here

If you live in Maryland and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.

This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Maryland, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.

Table of Contents

Who Has The Best Plans in Maryland? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps

Comparing the Leading Medicare Advantage Plans in Maryland

Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Maryland based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)

There are no 5-star plans in Maryland in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Maryland come from:

    We recommend evaluating the health plans from these Maryland health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.

    CRUCIAL: Benefits are not the same throughout Maryland. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.

    Complete List of Maryland's MA Plan Companies

    Maryland's Medicare Advantage plans are offered by 9 plan providers, including:

    • Aetna Medicare
    • Alterwood Advantage
    • CareFirst BlueCross BlueShield Medicare Advantage
    • Cigna Healthcare
    • Communicare Advantage
    • Humana
    • Johns Hopkins Advantage MD
    • Kaiser Permanente
    • UnitedHealthcare®

    Top Ranked Plans in Maryland

    According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Maryland:

    Top Medicare Advantage Plans in Maryland

    Best Medicare Advantage Plans in Maryland for 2025
    Provider Plan ID Plan Name Premium Limit Stars

    The top providers listed above do not tell the full story. That's because your Maryland County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.

    Top-Rated Medicare Advantage Plans in Maryland by County

    Choose your Maryland County below to see the best (and the worst) plans.

    Allegany County, MD Medicare Advantage Plans
    Anne Arundel County, MD Medicare Advantage Plans
    Baltimore County, MD Medicare Advantage Plans
    Baltimore County, MD Medicare Advantage Plans
    Calvert County, MD Medicare Advantage Plans
    Caroline County, MD Medicare Advantage Plans
    Carroll County, MD Medicare Advantage Plans
    Cecil County, MD Medicare Advantage Plans
    Charles County, MD Medicare Advantage Plans
    Dorchester County, MD Medicare Advantage Plans
    Frederick County, MD Medicare Advantage Plans
    Garrett County, MD Medicare Advantage Plans
    Harford County, MD Medicare Advantage Plans
    Howard County, MD Medicare Advantage Plans
    Kent County, MD Medicare Advantage Plans
    Montgomery County, MD Medicare Advantage Plans
    Prince George's County, MD Medicare Advantage Plans
    Queen Anne's County, MD Medicare Advantage Plans
    Somerset County, MD Medicare Advantage Plans
    St. Mary's County, MD Medicare Advantage Plans
    Talbot County, MD Medicare Advantage Plans
    Washington County, MD Medicare Advantage Plans
    Wicomico County, MD Medicare Advantage Plans
    Worcester County, MD Medicare Advantage Plans

    Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Maryland

    You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.

    1. Evaluate How You Plan to Use Your Benefits

    Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.

    2. Examine Your Prescription Medication Expenses

    Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Maryland Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.

    3. Consider Your Needs for Additional Coverage

    Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.

    4. Think About Your Preferred Healthcare Providers

    Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Maryland tell us it's difficult to find a plan their doctors take. We can help!

    Find Plans in your area with your ZIP Code

    Next Steps

    Frequently Asked Questions

    Still have questions? These common questions and answers might help.

    What are the disadvantages of a Medicare Advantage plan?

    Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.

    How much do Medicare Advantage plans cost in Maryland?

    A Medicare Advantage plan in Maryland costs an average of $nan. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.

    What are Medicare Advantage plans required to cover?

    At a minimum, every Medicare Advantage plan sold in Maryland must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.

    Citations & References

    • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
    • Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
    • Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
    • KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
    • Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
    • CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
    • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024

    For details on how we research, analyze, and construct plan information for Maryland using CMS data, see our Medicare Plan Research Methodology.

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    [3]About the Author

    David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

    David is also the founder of TrustPublishing.com and the inventor of the Memory-First Publishing and Semantic Digest protocols.

    Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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