Maryland Medicare Supplement Plans (Medigap)

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Maryland Medicare Supplement Plans were created to work with Medicare to supplement your Traditional Medicare health coverage.

These benefits are intended to provide coverage for what isn’t covered by Original Medicare, including out of pocket expenses like deductibles, copayments, and coinsurance.

Medigap plans are the same as Medicare Supplement insurance. Maryland Medicare options are broken down into parts and plans.

Medicare Benefits in Maryland ExplainedMaryland Medicare Supplement Plans

  • Original Medicare, Part A and Part B: These cover hospital care (Part A) and physician care (Part B).
  • Medicare Advantage Plans: These plans are Medicare insurance plans offered by private insurance companies. Medicare Advantage plan options may differ depending on location. Part C replaces Parts A and B, but with limitations.
  • Medicare Part D Prescription Drug Plans (PDPs): provide separate prescription medicine coverage for beneficiaries who have Original Medicare, Part A and Part B. Private insurance companies approved by Medicare offer these plans.
  • Maryland Medicare Supplement Plans: This option is called Medigap. This covers health care costs that Original Medicare does not, including plan deductibles, copayments, and coinsurance. In Maryland, Medicare Supplement Plans are available to purchase from a variety of insurers.

Breakdown of Medicare Benefits in Maryland

Medicare Part A covers hospital costs. Part A pays for inpatient hospital care, necessary stay in a skilled nursing facility (for limited periods), home health care services as designated by the plan, and hospice care.

For those who have been employed at least 10 years and paid Medicare taxes while working, Part A will be premium free. In other situations, there will be a premium due.

Medicare Part A benefits include:Medicare Part A benefits include

  • For days 1 through 30, there is $0 per day coinsurance payment.
  • 61 through 90 days: $335 per day coinsurance.
  • 91 days and beyond: $670 per day coinsurance for each lifetime reserve day (you may get up to 60 lifetime reserve days in your lifetime).

Medicare Part B benefits include:

  • office doctor services
  • outpatient hospital services
  • specified home health services
  • some medical equipment.

Once the deductible has been met, the responsibility for the insured for Part B is 20% of the Medicare-approved amount. Limits on physical therapy, occupational therapy, and speech-language pathology services may be applied.

These copays, pay gaps and deductibles can be a financial strain for Medicare recipients. A Medigap plan can cover the difference.

Requirements for Maryland Medicare Supplement Plans

Maryland Medicare Supplements are available to residents who are 65 years or older and are signed up for Medicare Part B.

It’s important that applicants enroll in Medicare Part B as soon as they’re eligible. This eligibility begins the month of your 65th birthday. If not, you will be subjected to a late penalty, and you may not have the coverage you need.

Maryland Medicare Eligibility for Those Under 65 and Disabled

Those who are disabled and under the age of 65 will automatically get Medicare Part A and Medicare Part B after receiving disability benefits from Social Security, or disability benefits from the Railroad Retirement Benefits, for 24 months.

In Maryland, it is a requirement that insurers offer a Medigap plan for disabled and under 65 Medicare recipients.

How to Enroll in Medicare Supplement or Medigap Coverage in MarylandHow to Enroll in Medicare Supplement or Medigap Coverage in Maryland

Medicare’s Open Enrollment Period (OEP) begins on the first day of the month you are 65 years old. You must be covered under Medicare Part B.

For example, if your birthday was August 31st and your Medicare Part B effective date was October 5th, then your OEP begins November 1st.

Your Open Enrollment Period is effective for six months. During that time, you have Guaranteed Issue (GI) for Medigap coverage. With Guaranteed Issue, insurers must cover you despite any pre-existing conditions.

After your OEP, it is challenging to find Medigap plans that cover pre-existing conditions or disabilities. Prompt enrollment will avoid that problem.

If you have creditable coverage, you can avoid the pre-existing condition limitations.

Maryland Medicare Supplement Plans

There are a variety of options for Medicare Supplemental Plans in the state of Maryland. Keep n mind, the premiums for these plans are set by the insurance carriers, not by the state or by Medicare. Your age, your sex, and where you will also impact your premiums.

A 65-year-old woman in Rockville will have a different monthly payment than a 73-year-old man in Baltimore.

The Best Medicare Supplement Plans in Maryland

With many carriers to choose from, you might think Medicare Supplement Plans might vary, depending on which you choose. However, the plans are the same from carrier to carrier. This means, regardless of the carrier you go with, the letter plan benefits are identical.

  • Plan F and Plan G are the same, except that Plan F covers the Medicare Part B deductible, and Plan G does not.
  • Plan N offers coverage for those who frequently travel overseas. It does not cover excess Part B costs.
  • HDF (High Deductible F) offers a more affordable way to supplement Medicare, but with a higher deductible.

Medicare Advantage Plans in Maryland

While Maryland Medicare Advantage Plans – Part C – offer lower premiums, there are distinct disadvantages in comparison to Medicare Part A, Part B and Part D coverage, when used in conjunction with a Medigap plan.

Medicare Part C limits provider choices to HMOs and PPOs. Additionally, it doesn’t have the kind of prescription coverage that Parts A & B has when used with Medicare Part D and a Medigap insurance plan.

Maryland Medicare Prescription Drug Coverage

Medicare Part D is the prescription drug coverage plan. It works with Parts A & B, neither of which have coverage for prescription drug costs.

You should enroll in Medicare Part D as soon as you are eligible. Due to a penalty that may be added to your Part D premiums that will stay with you as long as you have the plan.

Sign Up for Maryland Medicare Supplement PlansSign Up for Maryland Medicare Supplement Plans

We take the confusion out of signing up for Maryland Medicare Supplement Plans. In addition, we’ll help you understand all your different Medicare health insurance options available in your area. We work all the top carriers to help you get the best plan for your budget.

Give us a call today, or you can compare rates online by completing our rate form here.

Maryland Medicare Assistance Resources

Maryland’s State Health Insurance Program (SHIP) can guide Medicare enrollees in finding help paying for their coverage options if they are in need of assistance.

State FAQs:

  1. Will my Florida Medicare cover me in Maryland? Original Medicare (Parts A & B, plus Part D) is national, but Medicare Advantage plans are not.
  2. Does Medicare pay for assisted living in Maryland? Medicare pays for Medicare-certified skilled nursing facilities or through Medicare-certified home health or hospice agencies. It does not cover care in a continuing care retirement community (CCRC) or an assisted living facility (ALF).