Maryland Medicare Supplement Plans 2019 Medigap Plans
Maryland Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with a Medicare Supplement, offers the best health coverage Maryland seniors can get. But, which Medigap plan is the right one for you?
This is a complicated question. After all we're all different and have different needs. For most of us it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G and N. Keep reading and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $148.59 | $127.65 | $104.34 |  |
|
| Aetna | $163.93 | $135.20 | $109.29 |  |
|
| American National | $146.64 | $116.58 | N/A |  |
|
| American Retirement Life | $186.84 | $155.27 | $122.11 | |
|
| Americo Life | $177.10 | $141.17 | $111.59 |  |
|
| Assured Life | $164.16 | $124.74 | $105.14 | |
|
| Bankers Fidelity | $161.54 | $145.79 | N/A | |
|
| CareFirst BlueCross BlueShield | $159.70 | $144.92 | $110.15 | |
|
| Central States | $209.08 | $177.75 | $131.33 | |
|
| Cigna | $153.22 | $127.38 | $108.20 | |
|
| Colonial Penn | $226.56 | $177.80 | $110.76 | |
|
| Equitable National | $158.96 | $124.35 | $93.23 | |
|
| Everence | $214.57 | $171.59 | $98.12 | |
|
| Gerber Life | $256.55 | $170.45 | N/A | |
|
| Globe Life | $172.00 | N/A | N/A | |
|
| GPM Health and Life | $165.81 | $127.28 | $107.29 |  |
|
| Greek Catholic Union | $171.68 | $132.72 | $107.77 | |
|
| Guarantee Trust Life | $166.36 | $132.29 | $110.90 | |
|
| Humana | $191.46 | N/A | $119.81 | |
|
| IAC | $192.85 | $141.84 | $115.29 | |
|
| Liberty Bankers Life | $163.58 | $131.11 | $112.07 | |
|
| Loyal Christian | $188.76 | $135.86 | $113.44 | |
|
| MassMutual | $162.68 | $130.20 | $112.38 | |
|
| Medico | $198.92 | N/A | $131.63 | |
|
| Oxford Life | $221.42 | N/A | $136.66 | |
|
| Pan-American Life | $167.07 | $133.88 | $112.77 | |
|
| Physicians Mutual | $168.58 | $149.45 | N/A | |
|
| Puritan Life | $167.45 | $133.41 | $108.88 | |
|
| Renaissance Life | $173.16 | $134.90 | $114.34 | |
|
| Reserve National | $169.05 | $147.85 | $122.10 | |
|
| Sentinel Security Life | $169.63 | $135.94 | $111.65 | |
|
| Shenandoah Life | $168.56 | $127.89 | $108.07 | |
|
| Standard Life | $303.51 | $209.67 | $179.25 | |
|
| State Farm | $179.26 | N/A | N/A | |
|
| Thrivent | $151.10 | $119.32 | $100.79 | |
|
| Transamerica | $186.65 | $122.46 | $109.33 | |
|
| Unified Life | $163.24 | $128.93 | $108.34 | |
|
| United American | $178.00 | $165.00 | $101.00 | |
|
| United of Omaha | $171.88 | $134.12 | $111.32 | |
|
| USAA Life | $164.90 | N/A | $115.94 | |
|
| Western Catholic Union | $163.37 | $125.21 | $104.89 | |
|
| Western United Life | $169.92 | $128.50 | $106.67 | |
|
Compare Plan RatesThe average Maryland senior compares three or more quotes before making an enrollment decision. |
|||||
Top 10 Medicare Supplement Plans in Maryland
Looking for the best Plan F, G or N available to Maryland seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Maryland
Medicare Supplement Plan F is the most popular Medigap plan available in Maryland. Here are the 10 best Plan F policies available in Maryland based on our reviews (click for details):
| Carrier | Premium[1] | Fee | Review[2] |
|---|---|---|---|
| AARP | $148.59 | None | |
| Thrivent | $151.10 | $25.00 | |
| American National | $146.64 | None | |
| Cigna | $153.22 | None | |
| CareFirst BlueCross BlueShield | $159.70 | None | |
| MassMutual | $162.68 | None | |
| USAA Life | $164.90 | None | |
| United American | $178.00 | None | |
| Standard Life | $303.51 | None | |
| Equitable National | $158.96 | $20.00 | |
10 Best Medigap Plan G Policies in Maryland
Medicare Supplement Plan G is rapidly gaining popularity among Maryland seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Maryland based on our reviews (click for details):
| Carrier | Premium[1] | Fee | Review[2] |
|---|---|---|---|
| Thrivent | $119.32 | $25.00 | |
| AARP | $127.65 | None | |
| American National | $116.58 | None | |
| Cigna | $127.38 | None | |
| MassMutual | $130.20 | None | |
| CareFirst BlueCross BlueShield | $144.92 | None | |
| United American | $165.00 | None | |
| Standard Life | $209.67 | None | |
| Equitable National | $124.35 | $20.00 | |
| Unified Life | $128.93 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Maryland
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Maryland seniors. Here are the 10 best Medigap Plan N policies available in Maryland based on our reviews (click for details):
| Carrier | Premium[1] | Fee | Review[2] |
|---|---|---|---|
| Thrivent | $100.79 | $25.00 | |
| AARP | $104.34 | None | |
| United American | $101.00 | None | |
| Cigna | $108.20 | None | |
| CareFirst BlueCross BlueShield | $110.15 | None | |
| MassMutual | $112.38 | None | |
| USAA Life | $115.94 | None | |
| Standard Life | $179.25 | None | |
| Equitable National | $93.23 | $20.00 | |
| Everence | $98.12 | None | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplemental Insurance Reviews
We evaluate all Medicare Supplement (Medigap) companies servicing policies in Maryland. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask you agent to provide this information.
We review Medicare Supplement Plans in Maryland head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medicare Supplement Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Maryland. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
All Medicare Supplement insurance carriers in Maryland are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
All Maryland Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Maryland Department of Insurance website at http://www.mdinsurance.state.md.us/.
Why is Medicare Supplement Plan F Favored in Maryland?
Medicare Plan F costs more than all other Medigap plans, yet it is the most popular among Maryland seniors. In fact, more than 50% of people with supplemental coverage buy Plan F. The top reason is that it covers all gaps in Original Medicare, offering peace-of-mind and convenience.
IMPORTANT: If you need protection from high medical bills, you must buy a Medicare Supplement Plan F policy before January 1, 2020. Congress voted and supplement insurance carriers will not be able to offer these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in Maryland than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Med Supp Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medigap vs Medicare Advantage
Still wondering if a Medigap plan is right for you? Considering Medicare Advantage as an alternative? For many seniors it's a difficult decision. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Maryland. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Maryland Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Maryland SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-243-3425 (in state only); (844) 627-5465 (out of state)
- http://aging.maryland.gov/StateHealthInsuranceProgram.html
Looking for Insurance Carrier Contact Information?
Disclaimers
The Medicare Supplement Insurance data on MedicareWire.com comes from Medicare.gov, CMS.gov, and private sources and is subject to change. CMS has neither reviewed nor endorsed the information on this site.
The MedicareWire.com website is available for educational purposes. Our goal is to present information about senior health insurance accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers:
Compare 2019 Medicare Supplement Plans in Maryland. Get rates and reviews, including Plan F, G, and N. Find the best Medigap Plans in Maryland at the lowest cost available. Get an AARP Med Supp plan, guaranteed issue, if you're turning age 65.
MedicareWire.com is an independent research, technology and publishing organization. We are not affiliated with Medicare, Medicare plans, insurance carriers, or healthcare providers, nor are we compensated for Medicare plan enrollments.
Trademark Notice
MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. We make no claim to the marks whatsoever. All trademarks remain the property of their owner and are used by MedicareWire only to review, editorialize and describe the products and services offered by a trademark holder.
The use of third party trademarks on this site in no way indicates any relationship, connection, association, sponsorship, or affiliation between MedicareWire and the trademark holder. MedicareWire is a comparison and research website that does not offer Medicare insurance products (no solicitation of insurance).
MedicareWire uses brand names and logos for editorial purposes only, as permitted and governed by U.S. Trademark Fair Use Law and the Great State of Maryland. Specifically, nominative fair use permits MedicareWire to reference a mark to identify the actual goods and services that the trademark holder identifies with the mark. Insurance carrier legal and brand protection departments concerned with the unauthorized use of protected marks and brand names, please read our Partner with Us! page.
Foot Notes
[1] Sample premium is for a 65 year old, non smoking, woman living in Maryland. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[2] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare supplement insurance information on MedicareWire is maintained by David Bynon and was last updated on .