Best Medicare Supplement Plans in Maryland

In Maryland, Mutual of Omaha offers the best Medicare Supplement plans with the most affordable rates. Plan G has the best rate, coming in at $172.65 per month in Montgomery County, while the most competitive Plan N rates were just $122.27 per month in Baltimore County.

More than 263,480 residents in Maryland have chosen to enroll in a Medigap plan. Among these individuals, a significant number, totaling over 81,377, have opted for the comprehensive coverage provided by Plan G. Moreover, an impressive count of 37,849 people have specifically selected Plan N.

These statistics highlight the popularity and preference for these particular plans within the state.

Let’s take a closer look.

Cheapest Plan G Rates: Mutual of Omaha

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Cheapest Medigap Plan G Cost in Montgomery County, MD:
Female Ages:

65:  $150.13

70:  $166.33

75:  $199.47

Male Ages:

65:  $172.65

70:  $191.29

75: $229.39

Plan G Overview:

These plans provide household discounts, access to their fitness program Mutually Well, fast underwriting, low monthly premiums, and high customer satisfaction rates.

Mutual of Omaha also has additional dental, vision, and hearing policies that can be purchased for an additional premium.

Mutual of Omaha Medigap Plan G offers a wide array of benefits. It covers Part B excess charges, Medicare Part A deductible, foreign travel emergency care, and Part B coinsurance.

Even more impressive is that you won’t need any referrals or be confined to a limited network of providers, and your plan benefits never change.

You can choose any medical provider if they participate in the Original Medicare network. Embrace the flexibility and peace of mind that comes with this comprehensive plan. Benefits never change.

Cheapest Plan N Rates: Mutual of Omaha

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Cheapest Medigap Plan N Cost in Baltimore County, MD:
Female Ages:

65:  $106.33

70:  $117.16

75:  $140.07

Male Ages:

65:  $122.27

70:  $134.74

75:  $161.07

Plan N Overview:

Medigap Plan N from Mutual of Omaha allows seeing any doctor who accepts Original Medicare. With this plan, your benefits never change.

You’ll have a $25 copay for office visits and $50 for ER visits.

Additionally, you can include dental and vision coverage for an additional premium.

Unlike Medicare Advantage plans, neither Plan G nor Plan F restrict you to a network of providers or require referrals. Enjoy the freedom of choice with access to a wide range of healthcare professionals.

Plan N Helps Pay the Following:
  • Original Medicare Part A and B coinsurance
  • Part A deductible
  • Emergency care
  • Lower out-of-pocket expenses overall

To find the best Medicare Supplement plan in Maryland, we only considered financially viable options from companies with a proven track record of stability.

We did this because choosing a new or unfamiliar insurance provider does not necessarily result in lower rates; these relatively unknown companies may also increase their prices unexpectedly. It’s best to go with brands you know and trust to avoid unnecessary expenses and difficulties.

Top Medicare Supplement Companies in Maryland

The overall best Medigap provider in Maryland is Mutual of Omaha.

Mutual of Omaha Medigap plans are typically the more affordable option in Maryland, which is why it’s a popular provider in our reviews. However, the best Medicare Supplement company depends on the specific plan you’re considering.

For example, while one company may have lower costs for Plan N, another may be more affordable for Plan G. Each company has advantages and disadvantages based on its plan levels.

Plan G
Plan N
Cost by CountyFinancial
Mutual Of Omaha Health Insurance Company11.52%$172.65$122.27FrederickA+
Cigna Health Group1.98%$164.62$116.39Prince George'sA
United Health Care42.57%$173.22$148.97Anne ArundelA+
Aetna Health Insurance Company5.70%$191.59$123.53HowardA

In Maryland, ten standardized Medicare Supplement insurance plans offer the same coverage, regardless of the insurance company you select. Additionally, certain areas may provide a high deductible Medigap option.

Most of these plans do not have networks, allowing you to visit any provider that accepts Original Medicare.

To simplify the process of choosing an insurance company, it is important to compare their costs and policyholder satisfaction ratings. By doing so, you can make an informed decision that meets your healthcare needs.

Medicare Supplement Plan Cost in Maryland

Premiums for a Maryland Medicare Supplement plan can cost as little as $50 or as high as $180, depending on your age and the level of coverage you choose.

Medigap PlanMonthly CostCost by CountyEnrollment in Maryland
Plan F$180.86Harford43%
Plan G$164.62Carroll31%
Plan N$116.39Charles14%
High Deductible G$50.49Washington0.5%
Plan A$177.37St. Mary's1.79%
Plan K$78.36Cecil0.89%

What Percent of People Choose Medicare Supplement Plans?

According to the latest data, approximately 30% of Medicare beneficiaries, equating to nearly 14 million seniors, have chosen Medicare Supplement plans, also called Medigap. These plans offer additional coverage beyond basic Medicare, addressing gaps in healthcare costs not covered by traditional Medicare.

When Do Tobacco Rates Apply in Maryland?

In Maryland, tobacco rates may be applicable outside of Open Enrollment or guaranteed issue situations. Insurance providers may assign tobacco users to a different rating category, potentially resulting in higher premiums.

Prospective policyholders who use tobacco should make the most of Open Enrollment periods or guaranteed issue rights situations. These opportunities allow individuals to secure health insurance coverage without the risk of being denied or facing elevated premiums based on tobacco use.

Final Verdict

With years of industry experience and a proven track record of assisting numerous individuals in finding coverage, we have developed a deep appreciation for Mutual of Omaha. Our clients who opt for their services often remain loyal for an extended period due to the exceptional quality they provide.

Regarding value and enrollment speed, Mutual of Omaha is unparalleled. Additionally, their prompt claims processing sets them apart from the competition.

Choosing the right Medicare plan is a decision that requires careful consideration. With the assistance of Policy Guide, you gain access to the knowledge and expertise of professional agents who can help you compare different health plans, quotes, and policies.

Allow us to guide you through this process, ensuring that your chosen plan fits you best.

Article Sources:  Maryland Medigap Rate Guide  |  How Do I Enroll?Mutual of Omaha  |  Plan Cost  MD AHIP

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Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.