If you’re trying to find the best Maryland Medicare Supplement plans, you’ve come to the right place. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Maryland Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in Maryland
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Mutual of Omaha, Aetna or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in Maryland
How much will you pay for your Maryland Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Maryland residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G plan savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Maryland Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Maryland Medicare Supplement Insurance Coverage.
Compare Maryland Medicare Supplements
It is important to know that even though the coverage for Maryland Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Maryland Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, 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.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Maryland Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Maryland Medigap coverage.
Be an informed buyer and comparison shop your Maryland Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Maryland Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Maryland that I serve. Click here if you’re looking for other Medicare Supplement states.
Aberdeen Aberdeen Proving Ground Accident Accokeek Adamstown Adelphi Algonquin Allen Andrews AFB Annapolis Annapolis Neck Antietam Aquasco Arbutus Arden on the Severn Arnold Ashton-Sandy Spring Aspen Hill Baden Bagtown Bakersville Ballenger Creek Baltimore Baltimore Highlands Barclay Barnesville Barrelville Barton Bartonsville Beaver Creek Bel Air Bel Air North Bel Air South Beltsville Benedict Bensville Berlin Berwyn Heights Bethesda Betterton Bier Big Pool Big Spring Bishopville Bivalve Bladensburg Bloomington Boonsboro Bowie Bowleys Quarters Bowling Green Bowmans Addition Braddock Heights Brandywine Breathedsville Brentwood Brock Hall Brookeville Brooklyn Park Brookmont Brookview Broomes Island Brownsville Brunswick Bryans Road Bryantown Buckeystown Burkittsville Burtonsville Butlertown Cabin John California Calvert Beach Calverton Cambridge Camp Springs Cape St. Claire Capitol Heights Carlos Carney Catonsville Cavetown Cearfoss Cecilton Cedarville Centreville Chance Charlestown Charlotte Hall Charlton Chesapeake Beach Chesapeake City Chesapeake Ranch Estates Chester Chestertown Cheverly Chevy Chase Chevy Chase Section Five Chevy Chase Section Three Chevy Chase View Chevy Chase Village Chewsville Chillum Choptank Church Creek Church Hill Clarksburg Clarysville Clear Spring Clinton Cloverly Cobb Island Cockeysville Colesville College Park Colmar Manor Columbia Coral Hills Cordova Corriganville Cottage City Crellin Cresaptown Crisfield Crofton Croom Crownsville Cumberland Damascus Dames Quarter Danville Dargan Darlington Darnestown Dawson Deal Island Deale Deer Park Delmar Denton Derwood Detmold District Heights Downsville Drum Point Dundalk Dunkirk Eagle Harbor Eakles Mill East New Market East Riverdale Easton Eckhart Mines Eden Edesville Edgemere Edgemont Edgewater Edgewood Edmonston Eldersburg Eldorado Elkridge Elkton Ellerslie Ellicott City Elliott Emmitsburg Ernstville Essex Fairland Fairlee Fairmount Fairmount Heights Fairplay Fairview Fairwood Fallston Federalsburg Ferndale Finzel Fishing Creek Flintstone Forest Glen Forest Heights Forestville Fort Meade Fort Ritchie Fort Washington Fountainhead-Orchard Hills Four Corners Franklin Frederick Frenchtown-Rumbly Friendly Friendship Friendship Heights Village Friendsville Frostburg Fruitland Fulton Funkstown Gaithersburg Galena Galestown Galesville Gambrills Gapland Garrett Park Garretts Mill Garrison Georgetown Germantown Gilmore Girdletree Glassmanor Glen Burnie Glen Echo Glenarden Glenmont Glenn Dale Golden Beach Goldsboro Gorman Grahamtown Grantsville Grasonville Greenbelt Greensboro Greensburg Hagerstown Halfway Hampstead Hampton Hancock Havre de Grace Hebron Henderson Herald Harbor Highfield-Cascade Highland Highland Beach Hillandale Hillcrest Heights Hillsboro Hughesville Huntingtown Hurlock Hutton Hyattsville Ilchester Indian Head Indian Springs Jarrettsville Jefferson Jennings Jessup Jesterville Joppatowne Jugtown Keedysville Kemp Mill Kemps Mill Kennedyville Kensington Kent Narrows Kettering Kingstown Kingsville Kitzmiller Klondike Konterra La Plata La Vale Lake Arbor Lake Shore Landover Landover Hills Langley Park Lanham Lansdowne Largo Laurel Layhill Laytonsville Leisure World Leitersburg Leonardtown Lexington Park Libertytown Linganore Linthicum Little Orleans Loch Lynn Heights Lochearn Lonaconing Long Beach Luke Lusby Lutherville Madison Manchester Mapleville Mardela Springs Marlboro Meadows Marlboro Village Marlow Heights Marlton Martin’s Additions Marydel Maryland City Maugansville Mayo Mays Chapel McCoole Mechanicsville Melwood Mercersville Middle River Middleburg Middletown Midland Midlothian Milford Mill Millington Mitchellville Monrovia Montgomery Village Morningside Moscow Mount Aetna Mount Airy Mount Briar Mount Lena Mount Rainier Mount Savage Mount Vernon Mountain Lake Park Myersville Nanticoke Nanticoke Acres National National Harbor Naval Academy New Carrollton New Market New Windsor Newark Nikep North Beach North Bethesda North Brentwood North Chevy Chase North East North Kensington North Laurel North Potomac Oakland Ocean Ocean City Ocean Pines Odenton Oldtown Olney Overlea Owings Owings Mills Oxford Oxon Hill Paramount-Long Meadow Parkville Parole Parsonsburg Pasadena Pecktonville Peppermill Village Perry Hall Perryman Perryville Pikesville Pinesburg Piney Point Pittsville Pleasant Grove Pleasant Hills Pocomoke City Point of Rocks Pomfret Pondsville Poolesville Port Deposit Port Tobacco Village Potomac Potomac Heights Potomac Park Powellville Preston Prince Frederick Princess Anne Pylesville Quantico Queen Anne Queenland Queenstown Randallstown Rawlings Redland Reid Reisterstown Ridgely Ringgold Rising Sun Riva Riverdale Park Riverside Riviera Beach Robinwood Rock Hall Rock Point Rockville Rohrersville Rosaryville Rosedale Rosemont Rossville Sabillasville Salisbury San Mar Sandy Hook Savage Scaggsville Seabrook Seat Pleasant Secretary Severn Severna Park Shady Side Shaft Sharpsburg Sharptown Silver Hill Silver Spring Smith Island Smithsburg Snow Hill Solomons Somerset South Kensington South Laurel Spencerville Spring Gap Spring Ridge Springdale St. George Island St. James St. Leonard St. Michaels Stevensville Stockton Sudlersville Suitland Summerfield Swanton Sykesville Takoma Park Tall Timbers Taneytown Taylors Island Temple Hills Templeville Thurmont Tilghman Island Tilghmanton Timonium Tolchester Towson Trappe Travilah Trego-Rohrersville Station Tyaskin Union Bridge University Park Upper Marlboro Urbana Vale Summit Vienna Waldorf Walker Mill Walkersville Washington Grove Waterview West Denton West Laurel West Ocean City West Pocomoke Westernport Westminster Westphalia Whaleyville Wheaton White Marsh White Oak Whitehaven Willards Williamsport Williston Wilson-Conococheague Woodland Woodlawn Woodmore Woodsboro Worton Yarrowsburg Zihlman