The Best Maryland Medicare Supplement Plans (2024)

In Maryland, Medicare Supplement plans cost an average of $183 per year for 65-year-olds and $346 per year for 75-year-olds.

Plans F, G and N are the most comprehensive plans. On average, Plans F and G cost $267.56 and $122.60 per year, respectively. As a quick note, only those eligible for Medicare before 2020 can buy Plan F.

Plan N, on the other hand, carries the same coverage as Plan G, except for Part B excess charges. This plan costs $127.40 on average in Maryland.

Using MoneyGeek’s methodology, MoneyGeek ranks the best options for these three plans based on average premiums and benefits. You can also find out more about the best Medicare Supplement plan types.

MoneyGeek only ranked companies that have online quotes for Plan G in Maryland. We found that Aetna offers the best Medigap Plan G in Maryland at an average cost of $154.94 per month.

Doing your own research, you may be able to find Medicare Supplement plan providers in Maryland without online quotes that offer better rates and plans that match your requirements.

Various factors, including age, provider discounts and medical underwriting, affect the cost of Medigap premiums. In Maryland, Medicare Supplement Plan G costs $168.60 on average. Upon getting an actual quote, your rates may be lower or higher.

When you choose between two different providers, for example, you will already see a difference in rates. For example, Plan G from Aetna is the cheapest, at $105.30 for 65-year-olds. That’s around $51.10 cheaper than the average cost of $156.40 from Cigna, the most expensive company in Maryland offering the same plan.

In Maryland, there are 39 companies that offer Medicare Supplement Plan G. However, only a few of these insurers provide online quote tools on their websites.

MoneyGeek’s methodology only includes companies with online quote tools. We laid out all pricing methods and contact info for each provider to help you find the best Medicare Supplement plan providers in Maryland for this specific plan type.

Plan G covers Part A coinsurance and hospital costs, Part B coinsurance and much more. The only common Medicare benefit it excludes is Part B deductibles. Aetna, the best Plan G provider in the state, provides a foreign travel emergency feature as an additional benefit.

Aetna offers the best Medigap Plan F in Maryland at an average cost of $210.95 per month.

MoneyGeek only ranked companies that provided online quotes. As you do your research, you may be able to find other Medicare Supplement plan providers in Maryland without online quote tools that are able to offer coverages and rates that are more suitable to your needs.

Medicare Supplement Plan F costs an average of $267.60 in Maryland. But there are other factors that affect these rates. Age, provider discounts and medical underwriting factors may cause your premiums to increase or decrease compared to this average.

Plan F from Aetna, for example, is the cheapest at $211 for 75-year-olds. That's around $132 less than the average monthly cost of $342.90 from UnitedHealthcare, the most expensive insurer offering the same plan.

In Maryland, there are 38 companies that provide Plan F, though not all of them provide online quote tools.

MoneyGeek gathered contact information from all Medicare Supplement plan providers in Maryland, outlining each provider's pricing methodologies so you can determine which option is best for your needs.

Medigap policies are standardized and include the same basic coverages, no matter who you buy them from. If you choose Plan F, you will receive comprehensive coverage for all Medicare Part A and B expenses. Aetna provides a foreign travel emergency feature as an additional benefit.

Aetna offers the best Medigap Plan N in Maryland at an average cost of $105.43 per month.

In finding the best insurer, MoneyGeek only ranked companies that provided online quotes. Therefore, our findings are limited to those insurers. As you do your research, you may be able to find better rates and coverage from other Medicare Supplement plan providers in Maryland.

Medicare Supplement Plan N costs an average of $188.40 in Maryland. However, age, provider discounts and medical underwriting factors may influence your exact rates.

Plan N from Aetna, for example, is the cheapest option, at $105.40. That's around $53.90 less than the average monthly cost from Carefirst, which is the most expensive provider in Maryland, offering the same plan at $159.30.

Simply choosing between the cheapest and most expensive providers can already help you save a significant amount on your premiums.

Plan N is available from 37 different companies in Maryland. However, not all of them provide online quotes.

MoneyGeek gathered contact information from all Medicare Supplement plan providers in Maryland, outlining each provider's pricing methodologies so you can determine which option is best for your needs.

Plan N, like all other Medigap policies, has a standard coverage list. Plan N covers almost all common benefits, with the exception of Part B deductibles and excess charges.

Depending on your provider, they may provide additional unique benefits. Aetna’s plans, for example, come with foreign travel emergency benefits.

In addition to Plans F, G and N, there are other plan types available in Maryland for purchase. However, because they provide less comprehensive coverage, these plans are less popular.

Aetna offers the best Medicare Supplement plans in Maryland for most letter plans. This is based on MoneyGeek's criteria for pricing and coverage. Cigna, Carefirst and UnitedHealthcare also provide online quotes for Medigap policies in Maryland.

Those who became eligible for Medicare after January 1, 2020, will not be able to purchase Plan C in Maryland or elsewhere.

Differentiating between Medigap insurance plans in Maryland can be difficult. MoneyGeek assessed several plans with varied pricing options to guide you in finding the best match. MoneyGeek's chart can help you compare Medicare Supplement plans in Maryland more easily.

All Medigap plans have varying degrees of coverage. Some plan types may only be accessible exclusively to select Medicare members.

If you are a new enrollee in the Medicare program, you will not be eligible for Plans F and C but will be offered Plans G and D instead.

Compare coverages and average rates using MoneyGeek’s chart.

The cost of Medicare Supplement plans varies greatly depending on the plan and company. In Maryland, the following are the most common pricing styles:

• Issue-Age: This type of plan bases premiums on the policyholder’s age when they first applied, and rates do not increase with age. This is the most common pricing structure in Maryland.
• Community-Rated: In this pricing model, all policyholders pay the same price for the same plan type. The exceptions are Plans D and M. Community-rated pricing styles are fairly common in Maryland as well.

MoneyGeek answers the most frequently asked questions seniors have about Medicare Supplement plans in Maryland. By learning more about the topic, you can find the right plan for your needs.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Maryland for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.