Medicare Supplement (Medigap) plans in Maryland are designed to help Medicare beneficiaries pay for out-of-pocket expenses associated with Original Medicare, Part A and Part B, including copayments, coinsurance, and deductibles. As a Medicare beneficiary in Maryland, you have access to a number of Medigap plans, depending on the zip code in which you live, so it's a good idea to understand what Medigap in Maryland covers so you can choose a plan that best suits your needs.
There are 10 standardized Medicare Supplement plans available in 47 states, including Maryland. Each plan is identified by one of 10 letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter offering the same benefits. Different types of standardized Medigap plans are available in three states: Massachusetts, Minnesota, and Wisconsin.
To join Medigap in Maryland, you must already be enrolled in Original Medicare, Part A and Part B. Medigap's Open Enrollment Period starts the first day you are both age 65 or older and enrolled in Medicare Part B, and the period lasts for six months. During the Open Enrollment Period, you can join any Medigap plan available in your area, with the insurance company of your choice, without being denied coverage for pre-existing conditions or required to go through medical underwriting. Note that there are generally no other enrollment periods besides the Medigap Open Enrollment Period, so if you decide to join Medigap in Maryland at a later date, there's a chance you may be denied coverage or charged more for your choice of insurance plan.
Medigap in Maryland is meant to supplement Original Medicare, and not replace it, so you have to stay enrolled in Original Medicare, and keep paying your Medicare Part B premium, if you want to keep your health insurance coverage. Since Medigap plans in Maryland do not offer prescription drug coverage, you may want to consider enrolling in a stand-alone Medicare Part D prescription drug plan to receive drug benefits.
Take a look at the benefits you may receive under the 10 standardized Medicare Supplement plans available in Maryland.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F||G||K||L||M||N|
|Medicare Part A coinsurance hospital costs up to an additional 365 days after Medicare benefits are exhausted||X||X||X||X||X||X||X||X||X||X|
|Medicare Part B copayment or coinsurance coverage||X||X||X||X||X||X||50%||75%||X||X|
|First 3 pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled Nursing Facility care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B 'excess charges'||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare preventive care Part B coinsurance||X||X||X||X||X||X||X||X||X||X|
|Out-of-pocket limits apply|
You may also need to know the following details about specific Medigap plans in Maryland:
As stated earlier, Medicare Supplement plans in Maryland with the same letter designation don't vary in coverage or benefits. However, each independent insurance company that offers Medicare Supplement plans can determine its own monthly premium structure. This means that if you live in Bethesda in Montgomery County you may pay more or less than a resident of Annapolis in Anne Arundel County for an identical Medicare Supplement plan. Considering the differences in costs, it may be a good idea to compare all Medicare Supplement plans available in your area so you can choose a Medigap plan in Maryland that fits your individual health and budget requirements.
For additional information about Medicare in Maryland, view the following pages:
With the various Medigap plan options available in Maryland, it may be smart to get help choosing a plan that fits your individual needs. You can:
Medicare has neither reviewed nor endorsed this information.