Compare the Best Medigap Plans in Maryland for 2025
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If you’re a Maryland resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Maryland. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Maryland that fits both your financial and healthcare needs has never been easier.
This page provides an overview of the leading Maryland Medicare Supplement plans and insurance companies available in 2025.
Top 3 Best Medigap Plans in Maryland for Full Coverage Options
Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Maryland. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.
Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Maryland.
Medigap Plan F in Maryland
Medigap Plan F stands out as the most comprehensive Medigap plan, covering both Medicare Part A and Part B deductibles. It’s the best Medicare Supplement plan for individuals who want the broadest coverage possible. Learn more about how Plan F compares to Plan G .
Required Benefits of Plan F in Maryland
Medigap Plan G in Maryland
Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.
Required Benefits of Plan G in Maryland
Medigap Plan N in Maryland
Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.
Required Benefits of Plan N in Maryland
Average Costs for Medigap Plans in Maryland
Plan costs in Maryland are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Maryland:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
What Affects the Cost of Medigap Plans in Maryland?
The price of Medicare Supplements in Maryland can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in Maryland can impact your premium due to regional cost differences.
If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.
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Compare All Medicare Supplement Plans in Maryland
If you want to see how all Medicare Supplement Insurance plans sold in Maryland stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Maryland and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Maryland
Enrolling in a Medigap plan in Maryland requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Ready to sign up for Medicare Supplement coverage in Maryland? Here's how to do it:
- Review Your Options: Compare the available Medigap plans in Maryland to find the right match for your healthcare needs and budget.
- Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
- Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.
For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.
Common Questions About Medigap Plans in Maryland
How is Medigap different from Medicare Advantage?
Medigap works alongside Original Medicare to cover gaps in coverage, while a Medicare Advantage plan is an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans later?
Yes, you can switch plans, but medical underwriting may apply unless you qualify for guaranteed issue rights. Learn more about changing Medigap plans.
Does Medigap include prescription drug coverage?
No, Medigap plans don’t cover prescription drugs. You’ll need a separate prescription drug plan, called Medicare Part D for that.
What additional costs will I have with Medigap?
Beyond the monthly premium, you may face deductibles, copayments, and coinsurance, depending on your plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023