Save on Medicare Supplement Plans in Maryland

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Maryland Medicare Supplement Plans

Updated on: May 12th, 2021

We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.

Original Medicare — which is Medicare Part A and Part B combined — covers many of your healthcare expenses, but it doesn’t cover all of them.1 With Original Medicare, you’ll need to pay for expenses like copayments and deductibles. And if you have frequent healthcare needs, those leftover costs can add up. 

Medigap policies offer additional coverage to help cover those out-of-pocket expenses. After your Original Medicare covers its portion of your healthcare expenses, your Medigap policy pays its contribution toward your remaining costs. Thus, your out-of-pocket expenses may be reduced or eliminated. 

What You Need to Know

Original Medicare covers many costs, but you’ll still have healthcare expenses. Medigap policies help to cover those remaining expenses. 

To qualify for a Medigap policy, you must be enrolled in Medicare Part A and Part B. 

In Maryland, you can choose from 10 Medigap policies. Two of those policies also have high-deductible options. 

When Can You Enroll in Medigap?

Just like traditional health insurance, Medigap has an Open Enrollment Period. This Open Enrollment Period starts the month you turn 65 and are enrolled in Medicare Part B, and lasts for six months.2 During that time, you can buy any Medigap policy available in Maryland, even if you have pre-existing health conditions such as diabetes. 

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You can still buy a Medigap policy outside of that Open Enrollment Period, but you’ll face more restrictions. An insurance company can deny you coverage if you have a pre-existing condition. Companies can also implement a six-month waiting period before your coverage takes effect. Coverage for your pre-existing condition can also be excluded. 

Besides the Open Enrollment Period, under certain situations, you may be eligible for guaranteed issue rights.3 When you have guaranteed issue rights, an insurance provider is required to let you buy a policy. The provider can’t increase your policy price and will have to cover your pre-existing conditions. An example would be if you move outside of your current Medicare Advantage Plan’s service area, 

In addition to guaranteed issue rights, certain events — like losing your current insurance — may qualify you for a Special Enrollment Period (SEP).4 A SEP means that you can change your coverage, although the specific changes you can make will depend on the details of your qualifying event. 

In Maryland, you can choose from 10 Medigap plans, plus high-deductible options for Plan F and Plan G.5 Each plan offers different coverage, but Plans F, G, and N tend to be popular options. Note: Plan F is not available if you are eligible for Medicare after January 1, 2020. 

Plan F

Plan F offers the most comprehensive coverage, including the following: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency – 80%

Plan G

Plan G provides almost the same coverage as Plan F, but excludes the Part B deductible: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B excess charges
  • Foreign travel emergency – 80% 

Plan N

Plan N provides almost the same coverage as Plan F, minus the Part B deductible and Part B excess charges: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Foreign travel emergency – 80%

How to Choose a Medicare Supplement Plan

Coverage and costs differ slightly between Medigap plans. To choose the right plan for your needs, think about the types of healthcare expenses that you most often face. Look for a policy that covers those costs and that also has a premium you can afford. A third-party comparison tool such as HealthCare.com can help you understand the differences between plans. 

How Much Do Medigap Policies Cost?

Medigap policy costs vary. The following prices can give you a rough idea of plan costs. These prices reflect quotes for a 65-year-old female in Maryland who doesn’t use tobacco.6 

  • Medigap Plan F: Premiums from $145 to $395
  • Medigap Plan F High Deductible: Premiums from $28 to $69
  • Medigap Plan G: Premiums from $116 to $384
  • Medigap Plan G High Deductible: Premiums from $27 to $67
  • Medigap Plan N: Premiums from $95 to $332

Source: Medicare.gov cost calculator

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Considering a Medicare Plan?

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What If You Want to Change Your Medigap Policy?

As mentioned, you’ll only have a few chances to change your Medigap policy.7  If you’re within the Open Enrollment Period, you can change your policy. Certain situations, like moving to another state, will also mean that you can change policies. But otherwise, it can be difficult to change your policy. This makes it even more important that you carefully research and choose the policy that’s right for you.

What Are Alternatives to Medicare Supplement?

If a Medigap policy isn’t right for you, a Medicare Advantage Plan may be an alternative.8 With a Medicare Advantage Plan, you’ll get additional coverage to help minimize the out-of-pocket costs you have with Medicare Part A and Part B. Some of these plans also cover prescription costs.

What Are Medicare Resources in Maryland?

Next Steps

Medicare can help to pay for a lot of your healthcare costs, but it won’t cover all of them. A Medigap policy can provide extra coverage to help reduce your out-of-pocket expenses. When you apply for Medigap, you’ll want to understand the details of each plan available to make the right choice. For more guidance, check out How to Choose a Medicare Supplement Plan.



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  1. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” medicare.gov. (accessed October 17, 2020).

  2. Medicare.gov. Medicare. “When Can I Buy Medigap?” medicare.gov. (accessed October 17, 2020).

  3. Medicare.gov. “Guaranteed Issue Rights.” medicare.gov. (accessed October 17, 2020).

  4. Medicare.gov. “Special Circumstances (Special Enrollment Periods).” medicare.gov. (accessed October 17, 2020).

  5. Medicare.gov. “Benefits Offered by Each Medigap Plan.” medicare.gov. (accessed October 17, 2020).

  6. Medicare.gov. “Find a Medicare Plan.” medicare.gov. (accessed October 17, 2020).

  7. Medicare.gov. “Switching Medigap Policies.” medicare.gov (accessed October 17, 2020).

  8. Medicare.gov. “Medicare Advantage Plans.” medicare.gov (accessed October 17, 2020).