Best Medicare Supplement Plans in Maryland (2026)

Key Takeaways

Plans A, C, K and L from United American offer Maryland's cheapest Medicare Supplement coverage, saving residents $13 to $347 monthly compared to average state rates.

Aetna, State Farm, Humana and Transamerica provide the most affordable options for Plans B, D, F, G, M and N in the state.

Maryland residents pay $32 to $1,318 monthly for Medigap coverage at age 65, depending on which plan type they choose.

Best Cheap Medicare Supplement Companies in Maryland

Monthly premiums range from $95 to $266 for seniors aged 65 seeking affordable Medigap coverage in Maryland. Our analysis identified the lowest-cost providers across 10 standardized plan types, with these budget-friendly options providing strong financial protection.

United American has the best rates across multiple popular plans, including Plan A at $124 per month, Plan C at $266 per month, Plan K at $95 per month and Plan L at $136 per month. Aetna provides Plan B coverage, while State Farm offers Plan D and Humana handles Plans F, G and N at competitive rates. Transamerica covers Plan M with budget-conscious pricing for Maryland beneficiaries. These low-cost options save Maryland seniors $13 to $347 per month compared to average state rates.


United American	A	$124	$347	Attained Age Pricing
Aetna	B	$225	$92	Attained Age Pricing
United American	C	$266	$224	Attained Age Pricing
State Farm	D	$202	$13	Attained Age Pricing
Humana	F	$200	$161	Attained Age Pricing
Humana	G	$171	$125	Attained Age Pricing
United American	K	$95	$27	Attained Age Pricing
United American	L	$136	$77	Attained Age Pricing
Transamerica	M	$181	$65	Issue Age Pricing
Humana	N	$124	$126	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

United American

MoneyGeek Rating

4.9/ 5

4.8/5Affordability

5/5Pricing Style

5/5Plan Availability

Average Plan G Rate
$212
Plan Types
A, B, C, D, F, G, K, L, N

pros
- Best Plan A rates in Maryland ($124/month)
- Best rates for cost-sharing Plans K and L
- Issue Age Pricing locks in rates based on enrollment age
- Nine plan types available including popular options
cons
- Doesn't offer Plan M
- No high-deductible Plan G option
United American brings national brand recognition to Maryland's Medicare Supplement market, backed by nearly six decades of experience since 1966 and a strong commitment to customer service for seniors. The company offers particularly competitive rates on Plan A at just $124 monthly, saving Maryland residents $347 compared to the state average. United American also leads pricing for Plan C at $266 per month, with Plan K at $95 monthly and Plan L at $136 monthly. The insurer offers nine total plan types, including A, B, C, D, F, G, K, L and N, giving seniors comprehensive coverage choices.

United American uses premiums that increase with age. The company's biggest advantage lies in its extensive network of health care providers and focus on personalized customer service.

Aetna Medicare

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$250
Plan Types
A, B, F, G, N

pros
- Best Plan B rates in Maryland ($225/month)
- Wide range of plan options available
- Strong financial stability
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
Aetna brings national brand recognition and comprehensive coverage options to Maryland's Medicare Supplement market, building on its well-established presence and commitment to customer care. The company ranks first for Plan B at $225 monthly, saving seniors $92 compared to the state average, while also offering Plans A, F, G and N for a total of five plan types.

Aetna's monthly premiums range from $54 to $529, giving Maryland residents options across different coverage levels and budgets.

Aetna uses Attained Age Pricing. It also holds an A rating from AM Best, indicating strong financial stability and the reliability that comes with a major national insurer.

State Farm

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Plan Availability

Average Plan G Rate
$202
Plan Types
A, C, D, F, G, N

pros
- Best Plan D rates in Maryland ($202/month)
- Six plan types including less common but valuable options (D)
- Strong financial stability with good ratings
cons
- Doesn't offer cost-sharing plans (K, L) or high-value Plan M
- Attained Age Pricing means your premiums increase with age
State Farm offers six plan types that cover the most popular coverage options. The company holds the best rate for Plan D at $202 monthly, saving Maryland seniors $13 compared to the state average. State Farm provides Plans A, C, D, F, G and N with premiums ranging from $156 to $442 for 65-year-olds.

The company uses Attained Age Pricing, which means premiums increase as you get older to reflect higher health care costs. The company's biggest advantage is its extensive network of local agents who provide personalized service and support throughout your coverage.

Humana

MoneyGeek Rating

4.0/ 5

4.2/5Affordability

4.1/5Pricing Style

3.5/5Plan Availability

Average Plan G Rate
$171
Plan Types
A, F, G, N

pros
- Best Plan F rates in Maryland ($200 per month)
- Best Plan G rates in Maryland ($171 per month)
- Best Plan N rates in Maryland ($124 per month)
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer Plans B, C, D, K, L or M
Humana brings national brand recognition with competitive rates across multiple plan types. The company offers four plan options, including A, F, G and N, with particularly strong pricing on Plan F at $200 monthly and Plan G at $171 monthly. Humana's Plan N stands out at just $124 per month, providing an affordable option for seniors comfortable with small copayments.

Humana uses Attained Age Pricing, which means premiums increase with age over time. One of Humana's unique advantages is its comprehensive wellness programs and resources that support preventive care for seniors.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$209
Plan Types
A, B, F, G, K, L, M, N

pros
- Best Plan M rates in Maryland ($181/month)
- Wide range of plan options available
- Strong financial stability with A.M. Best rating
cons
- No Plan G options available
- Attained Age Pricing means premiums increase with age
The company ranks first for Plan M at just $181 monthly, saving seniors $65 compared to other providers in the state. Transamerica offers Plans A, B, F, G, K, L, M and N with premiums ranging from $99 to $542 for 65-year-olds, giving Maryland residents extensive choice across budget and comprehensive coverage levels.

Transamerica uses Attained Age Pricing, which means premiums increase as you get older. The company holds an AM Best rating of A, indicating strong financial stability for long-term coverage reliability.

Find Maryland Medicare Supplement Plans That Fit Your Needs

Your specific needs may differ from these popular choices. Use the filterable table below to discover the best Medicare Supplement provider that matches your situation in Maryland.

Data filtered by:


Humana	G	No	65	$171	$0	No Data
LifeShield National	G	No	65	$172	$0	No Data
Erie Family	G	No	65	$200	$0	No Data
State Farm	G	No	65	$202	$0	No Data
AFLAC	G	No	65	$203	$0	No Data
Nassau	G	No	65	$204	$0	No Data
Transamerica	G	No	65	$209	$0	No Data
American Benefit	G	No	65	$211	$0	No Data
Wisconsin Physicians Service	G	No	65	$214	$0	No Data
USAA	G	No	65	$215	$0	No Data

Maryland Medicare Supplement Plan Cost

Medigap costs in Maryland span $122 to $490 monthly for 65-year-olds depending on plan type. Medicare Supplement insurance costs vary greatly based on which coverage level you choose.

Plan G, Maryland's most popular choice, runs $296 each month and provides comprehensive benefits at a reasonable price. At $122 per month, Plan K offers the lowest premiums, while Plan C tops the cost spectrum at $490 monthly. Seniors wanting strong protection with lower premiums often choose Plan N at $250 monthly. Additional affordable plans include Plan L at $213, Plan D at $215 and Plan M at $246 each month.


A	$471	$5,652
B	$317	$3,804
C	$490	$5,880
D	$215	$2,580
F	$361	$4,332
G	$296	$3,552
K	$122	$1,464
L	$213	$2,556
M	$246	$2,952
N	$250	$3,000

How to Choose the Best Maryland Medicare Supplement Plan

Here's what you need to know about Medicare Supplement plans in Maryland: they're standardized by federal law, so Plan G offers identical benefits whether you buy it from Company A or Company B. Premium amounts vary while benefits stay the same across insurers.

Most Comprehensive Coverage

Plan G: Comparable to Plan F, covers everything except the Part B deductible.
Plan F: Covers all gaps, including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan M: Covers 50% of Part A deductible with moderate premiums.
Plan K: Most affordable premiums with 50% cost-sharing and an out-of-pocket limit of $8,000.
Plan L: Similar to Plan K with 75% cost-sharing and a lower out-of-pocket limit of $4,000.

Premium Coverage

Plan C: Includes Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Maryland Medicare Supplement Company

After choosing your plan type, you'll want to compare providers in Maryland. Focus on these critical elements when selecting your Medicare Supplement insurer.

1
Customer satisfaction and complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. For a dependable insurer, review customer satisfaction scores from J.D. Power and the NAIC. These resources provide valuable insights into how insurers handle customer concerns and service quality across Maryland and nationwide.
2
Plan pricing
Identical plans cost different amounts across insurers, so do side-by-side comparisons to find the best value. Look for the lowest cost while maintaining coverage quality and service standards. Premium differences can be significant even for the same lettered plan, making comparison shopping essential for Maryland residents seeking affordable Medicare Supplement coverage.
3
Added benefits
Insurers may provide discounts on other services like gym memberships or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. While not the primary factor in choosing coverage, these extras can enhance your plan's worth and provide additional savings for Maryland residents.

Maryland Medicare Resources

Maryland residents seeking help with Medicare coverage have access to free state and federal resources.

Maryland State Health Insurance Assistance Program (SHIP): The Maryland SHIP provides free, one-on-one counseling to Medicare beneficiaries, helping them understand their options and make informed decisions. They offer plan comparisons, fraud prevention education and unbiased guidance to ensure beneficiaries receive the benefits they are entitled to. Visit the Maryland State Health Insurance Assistance Program (SHIP)
Maryland Insurance Administration: The Maryland Insurance Administration offers services related to Medicare Supplement plans, including rate comparisons and consumer protection. They also provide a consumer hotline for assistance with complaints and inquiries. Visit the Maryland Insurance Administration
Maryland Area Agencies on Aging: The Maryland Area Agencies on Aging assist seniors, people with disabilities and caregivers with Medicare enrollment and benefits counseling. They provide various programs aimed at supporting older adults in the community. Find your local agency
Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov

Medicare Supplement Plans in Maryland: FAQ

Frequently asked questions about Medigap coverage in Maryland answered below.

What does Medigap cover in Maryland?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance and copayments. Certain plans also handle skilled nursing facility coinsurance, Part B excess charges, and foreign travel emergencies. Medigap won't pay for prescription drugs, dental, vision, or long-term care services.

Are Medicare Supplement plans worth it?

Medicare Supplement plans benefit seniors who want stable costs and nationwide provider flexibility. They're particularly valuable for those with ongoing healthcare needs or chronic conditions who can't afford surprise medical bills.

When can I enroll in Medigap plans in Maryland?

The best time to enroll in Medigap is during your six-month enrollment window, which begins when you turn 65 and enroll in Medicare Part B. During this initial enrollment period, insurers must accept you regardless of health conditions and can't charge higher premiums for pre-existing medical issues.

Can I switch from Medicare Advantage to Medigap in Maryland?

Yes, you can switch from Medicare Advantage to Medigap in Maryland. However, insurers will evaluate your health and may deny coverage or charge higher premiums based on medical conditions. The ideal time to make this change is during your Medigap Open Enrollment Period at age 65, when you have guaranteed coverage rights.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Maryland for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Maryland based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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Best Medicare Supplement Plans in Maryland (2026)

Best Cheap Medicare Supplement Companies in Maryland

Find Maryland Medicare Supplement Plans That Fit Your Needs

Maryland Medicare Supplement Plan Cost

How to Choose the Best Maryland Medicare Supplement Plan

How to Find the Best Maryland Medicare Supplement Company

Maryland Medicare Resources

Medicare Supplement Plans in Maryland: FAQ

What does Medigap cover in Maryland?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Maryland?

Can I switch from Medicare Advantage to Medigap in Maryland?

Our Review Methodology

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