Best Medicare Supplement Plans in Maryland (2026)

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.

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

Your needs may differ. Use the table to find the Medicare Supplement provider that fits your situation in Maryland:

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. 

Most Maryland seniors buy Plan G at $296 monthly because it fills nearly all Medicare coverage gaps once you've paid the Part B deductible. Budget-focused options start with Plan K at $122 per month. Plan C costs the most at $490 monthly. Plan N attracts seniors who want strong benefits at $250 without the highest premiums. Mid-range choices are Plan L ($213), Plan D ($215), and Plan M ($246 monthly), each balancing cost against coverage.

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.

Learn More: What Does Medicare Cover and Not Cover?

Plan G benefits are identical across all Maryland insurers, but selecting the wrong company can cost you thousands in overpaid premiums or denied claims. Three factors separate smart shoppers from those who regret their decision six months later.

Maryland Medicare beneficiaries who need Medicare Supplement information can reach out to these state organizations: 

• State Health Insurance Assistance Program (SHIP): Every Maryland county and Baltimore City has a SHIP office staffed by certified counselors who answer Medicare questions at no charge. Counselors walk you through Part D options, Medigap policy comparisons, premium costs, and Medicare Savings Programs. Sessions happen virtually or face-to-face depending on your preference. Call (410) 767-1100 to find your local office. Spanish line: (410) 767-1100.
• Maryland Insurance Administration (MIA): The MIA reviews Medigap policy forms, approves rate changes, and investigates policyholder complaints. You can file online through their secure portal or call their Health Coverage Assistance Team at (410) 468-2442 for Medicare Supplement questions. The Consumer Complaint Investigation unit accepts calls at (410) 468-2000 or toll-free at 1-800-492-6116. Email health insurance questions to hcat.mia@maryland.gov.
• Maryland Area Agencies on Aging: Nineteen local agencies across all Maryland counties run senior programs including caregiver support, meal services, transportation, ombudsman advocacy, and the Maryland Access Point referral system. Each county agency connects residents to benefits screening, legal aid, and long-term care resources. Find your county agency through the Maryland Department of Aging website.
• Medicare.gov: Browse all Medicare Supplement plans sold in Maryland by entering your county. Results show monthly premiums, coverage details, and insurer financial ratings side-by-side.

Frequently asked questions about Medigap coverage in Maryland answered below.

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.