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Maryland Medicare Supplement Plans for 2022


Medicare Supplement plans in Maryland extend Original Medicare coverage by providing you with additional coverage. Medicare Supplement (Medigap) plans cater to you by allowing you the freedom to visit any doctor you wish and allowing you to receive the same coverage nationwide.

Below we review the top Medigap plans in Maryland and how you can utilize the plan benefits to your advantage.

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Best Medigap Plans in Maryland for 2022

Like other states, Medigap plans in Maryland are standardized, so the top Medigap plans in Maryland are also the top plans in several other states nationwide. In Maryland, the best Medicare Supplement plans are Medigap Plan F, Plan G, and Plan N, due to their comprehensive benefits.

Medicare Supplement Plan F vs G vs N Comparison

However, not all Medicare enrollees in Maryland are eligible for Medicare Supplement Plan F. You may enroll in Medicare Supplement Plan F if you were enrolled in Original Medicare before 2020.

Medicare Supplement Plan F is one of the best Medicare Supplement plans as it covers 100% of your out-of-pocket costs from Medicare Part A and Medicare Part B. However, this plan is also the highest in monthly premium when compared to the other top Medicare Supplement Plans in Maryland.

If you are not eligible for Medigap Plan F or want a lower premium with similar benefits, Medicare Supplement Plan G may be right for you. When you enroll in Plan G in Maryland, you are responsible for the Medicare Part B annual deductible. Once you meet this, your plan pays 100% of your out-of-pocket costs for the rest of the year, like Medigap Plan F.

Lastly, when you enroll in Medigap Plan N, you are responsible for the Part B deductible, copayments of $20 at the doctor or specialist, copayments of $50 at the ER if you are not admitted, and Medicare excess charges if applicable.

If you reside in Maryland and enroll in any of these three plans, you could see significant savings on your out-of-pocket costs when compared to Original Medicare. In Maryland, the plan you enroll in should be based on your budget and healthcare needs.

Who is Eligible for Medigap Plans in Maryland in 2022?

Anyone enrolled in Original Medicare (Medicare Part A and Medicare Part B) is eligible for Medigap Plans in Maryland in 2022.

The best time to enroll in a Medigap plan is during your Medicare Supplement Open Enrollment Period because you receive Guaranteed Issue Rights. These Guaranteed Issue rights prevent insurance companies from charging you more or denying you coverage based on health conditions. The Medicare Supplement Open Enrollment period lasts for six months and begins on the day your Medicare Part B is active. This enrollment period only happens once in your lifetime. So, if you miss this enrollment period, you may not receive another chance to enroll in a Medicare Supplement plan without underwriting health questions.

Once your Medicare Supplement Open Enrollment Period has closed, you can still apply for Medigap coverage. However, you will need to answer underwriting health questions. This means that you can be denied coverage based on your pre-existing health conditions. The only way to avoid this is by qualifying for a Special Enrollment Period.

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How Much do Medigap Plans in Maryland Cost?

Medicare Supplement Plans in Maryland do not cost the same in each ZIP Code. There are several factors that impact your costs including your age, gender, location, and tobacco-use status.

The chart below shows an example of a 65-year-old and 75-year-old male and female on the same plans in the same zip code. Notice how the monthly premium cost differs depending on the demographic.

Female, No Tobacco, Maryland ZIP Code 21209
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $136-$432* $170-$532
Medicare Supplement Plan G $115-$420 $144-$478
Medicare Supplement Plan N $96-$400 $121-$400
Male, No Tobacco, Maryland ZIP Code 21209
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $150-$487 * $188-$592
Medicare Supplement Plan G $127-$473 $159-$531
Medicare Supplement Plan N $111-$452 $137-$452

* If on Medicare before 1/1/20

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Does Maryland Allow Medicare Excess Charges?

Medicare excess charges are a fee of up to 15% on top of the Medicare-approved amount for Medicare covered services. This fee is only charged by certain physicians who do not accept Medicare Assignment.

These are some states in the U.S. who do not allow physicians to charge this fee. However, Maryland is not one of those states. Only a small number of physicians in Maryland charge this additional fee. However, it is important to know whether your doctor accepts Medicare Assignment.

Before receiving services, speak with your doctor and understand if you may encounter excess charges in the future.

Medicare Supplement Plans in Maryland for those on Disability Under 65

The Federal Government does not require insurance companies to sell Medigap to beneficiaries under 65.

However, the state of Maryland requires insurance carriers to provide at least Medicare Supplement Plan A to beneficiaries under 65 during their Medicare Supplement Open Enrollment Period. However, the monthly premium of these plans tends to be much higher for those under 65.

Additional Coverage Options in Maryland

In addition to Medigap, Medicare Advantage, Medicare Part D, and stand-alone ancillary plans are also available for those enrolled in Original Medicare in Maryland.

Medicare Part D is a great asset to enroll in once you have Medicare Part A, because it covers your prescription medications. You’ll want to enroll when you are first eligible to avoid late penalties.

If you decide a Medicare Supplement plan is not for you, you may want to enroll in a Medicare Advantage plan. Medicare Advantage plans typically have low monthly premiums, high out-of-pocket costs, deductibles, copayments, and network restrictions. The good part of these plans are the additional benefits that may come with the plan.

These additional benefits may include dental, vision, prescription drug, wellness, and hearing benefits. However, not all plans offer these benefits, and each plan has their own coverage levels, networks, costs, and restrictions.

How to Apply for Medicare in Maryland

At MedicareFAQ, we take the confusion out of enrolling for Maryland Medicare Supplement Plans. We also help you understand all the different Medicare health insurance options available in your area and find the right plans for you.

We work with all the top carriers to help you get the best plan for your budget and health care needs. To review your policy and plan comparison, complete our online rate form or give us a call at the number above.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medciare Open Enrollment, Department of Aging . Accessed July 2022.
    https://aging.maryland.gov/Pages/MedicareOpenEnrollment.aspx
  2. Medicare Details, MDOI. Accessed July 2022.
    https://health.maryland.gov/mmcp/eid/Pages/Medicare-Details.aspx

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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