Medicare Supplement Plans in Maryland
On this page we help consumers: Compare Maryland Medicare supplemental insurance. See premiums, fees, and reviews on all MD Medigap plans, including Plan F, G, and N.
| 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
Looking for a different plan? Compare all Medicare supplement plans here.
Maryland Medicare Supplement Plan F Comparison Chart
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[3] | Fee | Review[4] |
|---|---|---|---|
| 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 | |
Maryland Medicare Supplement Plan G Comparison Chart
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[3] | Fee | Review[4] |
|---|---|---|---|
| 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. | |||
Maryland Medicare Supplement Plan N Comparison Chart
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[3] | Fee | Review[4] |
|---|---|---|---|
| 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. | |||
Abour our Maryland Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement 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 your 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. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Supplemental Medicare Plans Cost in Maryland?
To get an accurate rate on Medicare Supplement plans, Maryland agents will ask for your address, age, sex, and use of tobacco products. The rates we list are samples based on a 65-year-old, non-smoking woman, and include applicable household discounts. Use our rates for comparison purposes only. Call 1-855-266-4865 to get quote.
Medicare Supplement Plans in Maryland are Standardized
The Maryland Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Maryland offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage 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:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Maryland Department of Insurance website at http://www.mdinsurance.state.md.us/.
Maryland Medicare Supplement Plan Comparison Chart
The following chart offers a quick look at the benefits provided by each standardized plan.
| 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.
Got questions about Medicare Supplement Insurance in Maryland?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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
Additional Foot Notes
[3] 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.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .