Best Medicare Supplement Plans in Maryland
Medicare Supplement plans in Maryland, also called Medigap, help pay for deductibles and coinsurance that Original Medicare doesn't cover.
- Of the ten Maryland plans offered in 2023, we found Cigna offers the best Medicare Supplement Plan G rates, coming in at $118.65 per month for the most comprehensive coverage.
- We also found Cigna offers the best Medicare Supplement Plan N rates at $83.89 per month, for those that want the best monthly value without significantly compromising benefits.
- If you're looking for the lowest possible monthly premium, High Deductible Plan G is offered at a low rate of $43.90 with Mutual of Omaha. This plan has an annual deductible of $2,700 that needs to be met before coverage.
The following information outlines Medicare Supplement plans, highlighting key benefits and the companies with the most competitive prices.
Cigna Medicare Supplement Plan G
- Maryland residents looking for a comprehensive plan that safeguards them from out-of-pocket expenses beyond Medicare Part B's deductible, can take advantage of Cigna's Plan G, which offers extensive coverage.
Cigna Plan G offers various benefits, such as:
- This coverage includes Part B excess fees, the Medicare Part A deductible, and all coinsurance costs associated with Part B.
- No required referrals.
- Freedom to choose any medical provider that accepts Original Medicare.
Plan Costs: $118.65
*Quotes for a 65 year old non smoking female, in zip code 20601.
Medicare Supplement Plan N
- If you're searching for affordable yet reliable healthcare coverage, Cigna Medicare Plan N will be your top choice. Not only does it provide a low premium rate compared to Plans F and G, but also delivers exceptional protection with no compromises in quality.
In addition, here are some of the advantages that come with choosing Cigna Plan N:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Plan Costs: $83.89
*Quotes for a 65 year old non smoking female, in zip code 20601.
Mutual Of Omaha High-Deductible Plan G
- When searching for a way to save money while maintaining the same coverage of Medicare Supplement Plan G, High-Deductible Plan G is an excellent choice. This policy equals Plan G in terms of its benefits. However, you must pay the $2,700 deductible before these benefits become available to you.
Plan Costs: $43.90
*Quotes for a 65 year old non smoking female, in zip code 20601.
Cigna Medicare Supplement Plan F
- Medicare Plan F is the most comprehensive coverage available, covering Part A deductibles, Medicare Part B deductible and coinsurances. In order to qualify for these benefits, it's required that you have been enrolled in Original Medicare prior to January 1st of 2020.
Plan Costs: $130.35
*Quotes for a 65 year old non smoking female, in zip code 20601.
What's the Best Medicare Supplement Company in Maryland?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Maryland.
While Cigna Medigap plans tend to be more affordable in Maryland, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Cigna that are also available in Maryland, including sample premiums, ratings, and market share:
Cigna
Market share: 2.25%
Plan G cost: $118.65
Plan N cost: $83.89
Financial strength: A
Mutual of Omaha
Market share: 12.41%
Plan G cost: $141.63
Plan N cost: $100.30
Financial strength: A+
Aetna
Market share: 8.87%
Plan G cost: $144.94
Plan N cost: $98.63
Financial strength: A
United Healthcare
Market share: 39.75%
Plan G cost: $144.57
Plan N cost: $124.59
Financial strength: A
For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.
How Much Does a Medigap Plan Cost in Maryland?
The best price for Medicare Supplement Plan G in Maryland is $118.65 per month with Cigna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$130.55
$118.65
$83.89
$43.90
$140.21
$56.58
Plan Popularity in Maryland
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Maryland for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply For a Medicare Supplement Plan?
If You are 65 or Older
The best time to enroll is during the Medigap Open Enrollment Period. The Medigap Open Enrollment Period in Maryland starts the first month you are 65 or older and have started your Part B coverage. This period lasts six months, and it cannot be changed or repeated. When you apply during the Open Enrollment Period, medical underwriting cannot be used to determine policy approval, limitations, or pricing. If you try to apply after this window closes, your application can be declined, and if it is approved, you may be charged a higher premium. An exception is made for people with guaranteed issue rights.
If You are Younger than 65
You will likely not be able to purchase a Medigap policy if you are under 65, unless you have a qualifying disability or ESRD (end-stage renal disease). Several states are required to sell at least one Medigap plan to those with a qualifying disability or ESRD. If you live in one of these states, your MOpen Enrollment Period starts when your Part B coverage begins.
Guaranteed Issue Rights
These rights require a Medicare insurance company to:
- Offer at least one Medicare Supplement insurance plan
- Include coverage for pre-existing conditions
- Refrain from billing you a higher premium because of your past or current health condition
Examples of scenarios where guaranteed issue rights may apply, and you may receive a Special Enrollment Period:
- You are employed or retired, and your group health plan is ending.
- You had joined Medicare Advantage, and that plan is leaving your area.
- You are losing Medicare Advantage because you relocated to a place not serviced by your plan.
- You are under 65 and have a disability or end-stage renal disease (this is specific to Maryland and several other states).
FAQ:
When Can I Change Medigap Plans?
You can switch anytime, but changing plans inside the six-month Open Enrollment Period is best. Outside of this period, the insurance carrier will review your medical records and consider your health condition. As a result, you could face higher monthly premiums or be refused coverage.
Can I Be Denied Medigap Insurance Coverage?
No, you cannot be denied coverage for a Medicare Supplement insurance policy unless you are outside the enrollment period. Even if you are outside of one, the insurer may accept you at a higher premium.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
For over 15 years, Matt Kiggins has been the senior editor at Senior Life Insurance Plans, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
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