Maryland Medigap plans follow many of the same federal rules that take place in other states. Medicare Supplemental policies in Maryland can seem confusing at first but can be simpler to understand than you think! Read below to learn simple Maryland Medigap plans in the Chesapeake state really are.
Enroll in your Maryland Medigap Plan IMMEDIATELY
Our caps lock button didn’t get stuck. We really mean it! There is one Maryland Medigap Open Enrollment Period (OEP, also called your Medigap initial enrollment period). This OEP occurs when you first qualify for Medicare Part Ba and it is not an annual event. OEP generally applies to those turning 65. However, if you delay Medicare Part B while you continue working your OEP can begin later.
Available Medigap Plans in Maryland
As in most states, Maryland Medigap plans are given standardized letters like Medigap D, Medigap G, or Medigap N. No matter which insurance provider offers a lettered plan, the benefits and access to doctors/facilities are the same. So a Humana Medigap G has the same core benefits and doctor network as Aetna Medigap G. Below is a list of the lettered Medigap plans currently available in Maryland and what they cover.
| Benefits | A | B | D | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,600) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($226) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $6,940 | $3,470 |
Get a Medigap Quote Enroll in Medigap
Medigap Plan C and Plan F are only available to those who were Part B-eligible prior to January 1, 2020.
Choosing your Maryland Medigap policy
If you’ve done your research, you’ll find that after 2020 Medigap Plan G is the most popular plan in Maryland (source AHIP). Plan G covers the majority of Original Medicare Part A & B costs and gives some extra coverage like foreign emergency travel healthcare at a fair price. For those on a budget, is recommended to look at Plan G High Deductible and Medigap Plan N.
Are there Maryland Medigap discounts?
Maryland Medigap plans offer discounts to help you save money on your plan each month (click on each to learn more details):
Maryland Medigap for Under 65
If an MD insurance provider offers Medigap Plans A and D to persons who are at least 65 years old, it must also offer these plans to individuals who are under 65 and eligible for Medicare due to a disability during the first 6 months following the individual’s enrollment in Part B of Medicare or if the applicant is notified by Medicare of retroactive enrollment in Medicare for the 6 months following notice. Plan A and D may not be denied in the state of Maryland based on the health status or claims history of the applicant. Learn more about Under 65 Medigap here.
Can I keep my Maryland Medigap plan if I move?
Most likely you will be able to keep your Maryland Medigap plan if you move out of state. Maryland and the majority of states have the identical standardized plans. However, if you move to one of the following states, you may have to drop your Maryland Medigap plan and join one of theirs (Don’t sweat it! You’ll have a Medigap guaranteed issuance period):
- Massachusetts Medigap plans
- Minnesota Medigap plans
- Wisconsin Medigap plans
Maryland Medicare SHIP
Maryland’s State Health Insurance Program (SHIP) is a free program to help those on Medicare with personalized Medicare counseling, education, and access to financial assistance resources.
Next Steps
Get an instant quote for Maryland Medigap plans. If you have any questions about Maryland Medigap policies, leave a comment below or give one of our licensed agents a call at 800-930-7956.
Our agents can NEVER charge you a fee for a quote or to enroll you in a plan