The Best Maryland Medicare Supplement Plans (2022)

There are a total of 10 Medicare Supplement plans available, each with its own set of eligibility requirements. Based on MoneyGeek’s analysis of online quotes from numerous insurers, Aetna is the best Medicare Supplement provider in Maryland.

You cannot buy both a Medigap and a Medicare Advantage plan. Medicare Advantage plans in Maryland replace an entire Medicare plan, including Original Medicare.

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Last Updated: 7/1/2022
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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.

iconribbonBestMedigapMaryland2022

Best Medicare Supplement Plans in Maryland

Best Medicare Supplement Plan G in Maryland

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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $154.94

Monthly premiums for Aetna’s Plan G are lower than the average monthly cost of Plan G in Maryland of $168.60. Aetna features a member assistance line for policyholders overseas who are caught in a medical emergency.

MORE ABOUT PLAN G IN MARYLAND

Navigate to learn more about Medigap Plan G in Maryland, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Maryland

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.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $105
  • Carefirst
    $107
  • Cigna
    $156
  • UnitedHealthcare
    $156

Providers Offering Plan G in Maryland

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.

Providers Offering Plan G in Maryland

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • CareFirst
    410-581-3000
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

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.

Required Benefits of Plan G in Maryland
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Maryland

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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $210.95

At an average cost of $210.95, Aetna’s Plan F cost is significantly lower than the average premium in the state, which is around $267.60 per month.

In addition to the standard Plan F coverages, Aetna has a member assistance line for plan members that are caught in a medical emergency while traveling abroad.

MORE ABOUT PLAN F IN MARYLAND

Navigate to learn more about Medigap Plan F in Maryland, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Maryland

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.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $169

Providers Offering Plan F in Maryland

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.

Providers Offering Plan F in Maryland

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • CareFirst
    410-581-3000
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan F Cover?

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.

Required Benefits of Plan F in Maryland
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Maryland

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.

mglogo
MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $105.43

Aetna’s Plan N monthly premium is significantly lower than the average $188.40 monthly cost of Plan N in Maryland.

Apart from the standard coverage, Aetna has a member assistance line for plan members that are caught in a medical emergency while overseas. It directs plan members to a local hospital in case they need medical evaluations.

MORE ABOUT PLAN N IN MARYLAND

Navigate to learn more about Medigap Plan N in Maryland, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan N 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.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $105
  • Cigna
    $111
  • UnitedHealthcare
    $134
  • Carefirst
    $159

Providers Offering Plan N in Maryland

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.

Providers Offering Plan N in Maryland

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • CareFirst
    410-581-3000
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Erie
    800-458-0811
    Attained Age

What Does Plan N Cover?

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.

Required Benefits of Plan N in Maryland
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Maryland: Other Plan Types

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.

The Best Medicare Supplement in Maryland - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Aetna

    $277.10

  • B

    Aetna

    $147.03

  • C

    UnitedHealthcare

    $464.47

  • F

    Aetna

    $210.95

  • G

    Aetna

    $154.94

  • K

    UnitedHealthcare

    $71.21

  • L

    UnitedHealthcare

    $116.96

  • M

    Carefirst

    $217.63

  • N

    Aetna

    $105.43

How to Find the Best Medicare Supplement Plans in Maryland

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.

Maryland Medicare Supplement Plans Comparison Chart

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.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Maryland

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.
Average Cost of Medicare Supplement in Maryland

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $277
  • Cigna
    $280
  • UnitedHealthcare
    $284
  • Carefirst
    $718

FAQs About Medicare Supplement Plans in Maryland

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.

Methodology

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%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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