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Medicare Supplement Insurance Plans in Maryland
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What Do Maryland Residents Need to Know About Medicare Supplement Insurance Plans?
Maryland has several famous bridges that span the gap between land and sea. However, when it comes to spanning some of the gaps in Medicare Parts A and B, such as copayments, coinsurance and deductibles, you may need a healthcare coverage bridge, like a Medigap or a Medicare Supplement Insurance plan. A Medicare Supplement Insurance plan covers some of the out-of-pocket costs and is available from private insurance companies throughout Maryland.
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In 2023, residents of Maryland have 8 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.
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As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.
Maryland residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs in order to determine if a Medigap plan might be right for them.
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Most Popular Medicare Supplement Insurance Plans in Maryland
Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Maryland. The statistics below outline the most popular Medigap plans selected by Maryland residents. Insurance companies that sell Medigap plans offer the same basic benefits, but those plans may come at different prices. Each insurer in Maryland may not offer each of the available Medigap plans.
As reported by America’s Health Insurance Plans (AHIP), 263,480 Maryland beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Maryland enrollees by Medigap plan type.
PlanABCDEFGHIJKLMN
Enrollment #4,7292,6459,0511,801288112,99581,3776333866,9562,3361,0693337,849
Source:
AHIP
(2021)
While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Maryland Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Maryland Medicare Advantage plan.
Learn more about your Medicare Supplement Insurance plan options in Maryland by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Maryland.
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Maryland residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can’t be used to pay for any expenses for a Medicare Advantage plan.
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When is the Maryland Medicare Supplement Plan Enrollment Period?
Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Maryland begins the first day of the month you turn at least 65 years old. It never hurts to get a jump on knowing more about Medicare benefits. In fact, you can make important enrollment choices as early as 64 and 6 months. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.
Maryland residents have a six-month period around their birth month to buy a Medicare Supplement Insurance plan. In special cases, certain younger individuals can enroll earlier. Maryland residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.
The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting during this time. If you apply for Maryland Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.
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No obligation to enroll
How Will I Know If a Maryland Medicare Supplement Insurance Plan is Right for Me?
Working with a SelectQuote licensed insurance agent is a great way to stay current on the various annual Medicare plan changes made by insurance companies. In addition, SelectQuote can help you understand the Medicare insurance options available in Maryland to ensure you’re getting all available benefits. As an independent third-party company that’s equipped to help Maryland residents with Medicare Insurance needs, SelectQuote can find the right Medicare Supplement Insurance plan for you.
To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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Work with one of our licensed insurance agents to get answers to your Medicare questions, unbiased comparisons of coverage and resources to simplify the entire process. Call 1-833-574-3011 (TTY: 1-877-486-2048) to get started.

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