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Maryland

Top Medicare Advantage Plans in Maryland for 2024

by David Bynon, last updated September 22, 2023

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2024 Medicare Advantage Open Enrollment Begins October 15

Be the first to know about the best new plans in Maryland for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.

Finding the Best Medicare Advantage Plan in Maryland Starts Here

If you live in Maryland and you're thinking about enrolling in a 2024 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
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

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.)

Maryland has 5-star Medicare Advantage plans available in 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Maryland come from:

  1. Kaiser Permanente
  2. UnitedHealthcare

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
  • Cigna
  • Humana
  • Johns Hopkins HealthCare
  • Kaiser Permanente
  • Lasso Healthcare
  • 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 2023
Provider Plan ID Plan Name Premium Limit Stars
Kaiser PermanenteH2172-002Kaiser Permanente Medicare Advantage High MD (HMO-POS)$141.00$5,7005.0
Kaiser PermanenteH2172-004Kaiser Permanente Medicare Advantage Standard MD (HMO-POS)$23.00$6,9005.0
Kaiser PermanenteH2172-011Kaiser Permanente Medicare Advantage Value MD (HMO)$0.00$7,2005.0
Kaiser PermanenteH2172-006Kaiser Permanente Medicare Advantage Value Balt (HMO)$0.00$7,2005.0
UnitedHealthcareH5652-006Erickson Advantage Freedom (HMO-POS)$68.00$4,3005.0
UnitedHealthcareH5652-008Erickson Advantage Liberty with Drugs (HMO-POS)$0.00$7,5505.0
UnitedHealthcareH5652-001Erickson Advantage Signature with Drugs (HMO-POS)$197.00$2,6005.0
HumanaH5216-029HumanaChoice H5216-029 (PPO)$69.00$7,5504.5
HumanaH6622-081Humana Gold Plus H6622-081 (HMO)$54.00$7,5504.5

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.

Best MA 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 City 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 Georges County, MD Medicare Advantage Plans
Queen Annes County, MD Medicare Advantage Plans
Saint Marys County, MD Medicare Advantage Plans
Somerset 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
Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

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

If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

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 $63.52. 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 January 13, 2023
  • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
  • CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
  • CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023

Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.

For Researchers

Next State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/massachusetts/

Previous State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/maine/

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[3] Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.


[4] The standard Part B premium for 2023 is $164.90. Monthly savings vary and may be subject to processing delays and may not be immediate. Not available with all plans. Availability varies by carrier and location.


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