Best Medicare Supplement Plans in Maryland
In Maryland, Aflac offers the best Medicare Supplement plans with the most affordable rates. Medicare Supplement Plan G has the best rate, coming in at $158.38 per month in Montgomery County, while the most competitive Plan N rates run at $116.31 per month in Baltimore County.
While reviewing Aflac’s Medicare Supplement insurance, we found some noteworthy benefits. Their premiums are 9.2% more affordable on average compared to other providers. Aflac also offers an efficient claims process, up to 7% household premium discounts, and has received positive customer feedback.
In Maryland, Aflac provides four Medigap plans, additional dental insurance, and various policy options.
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 selected Plan N.
These statistics highlight the popularity and preference for these particular plans within the state.
Let’s take a closer look at these two options.
Lowest Plan G Rates: Aflac
65: $138.27
70: $146.04
75: $177.30
65: $158.38
70: $167.28
75: $203.10
Aflac’s Medigap plans provide household discounts, fast underwriting, low monthly premiums, and high customer satisfaction rates.
There are also dental, vision, and hearing policies for purchase at an additional premium.
Aflac 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, won’t be confined to a limited network of providers, and your plan benefits always stay the same.
You can choose to see any medical provider if they participate in the Original Medicare network. Embrace the flexibility and peace of mind that comes with this comprehensive plan.
Lowest Plan N Rates: Aflac
65: $138.27
70: $146.04
75: $177.30
65: $158.29
70: $167.28
75: $203.10
Medigap Plan N from Aflac allows you to see any doctor who accepts Original Medicare. With this plan, your benefits never change.
You’ll have a $25 copay for office visits and a $50 copay for ER visits.
You can also include dental and vision coverage for an additional premium.
Unlike Medicare Advantage plans, neither Plan G nor Plan N restrict you to a network of providers or require referrals. Enjoy the freedom of choice with access to a wide range of healthcare professionals.
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
- Foreign travel emergency care
To find the best Medicare Supplement plans in Maryland, we only considered financially viable options from companies with a proven track record of stability.
We did this because choosing a new-to-the-scene insurance provider who promises low prices does not necessarily result in lower rates; these relatively unknown companies may also increase their prices unexpectedly once you are enrolled. 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 Aflac.
Aflac’s 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. One plan may offer valuable coverage for your circumstances; another may not. Each company has advantages and disadvantages based on its plan levels.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| Aflac | 0.01% | $158.38 | $116.31 | Caroline | A+ |
| ACE Insurance Company | 0.09% | $158.42 | $121.17 | Talbot | A+ |
| Allstate Health Solutions | 0.02% | $185.13 | $134.06 | Queen Anne's | A+ |
| Mutual of Omaha Group | 11.52% | $172.65 | $122.27 | Frederick | A+ |
| Cigna Health Group | 1.98% | $164.62 | $116.39 | Prince George's | A |
| United Health Care | 42.57% | $173.22 | $148.97 | Anne Arundel | A+ |
| Aetna Health Insurance Company | 5.70% | $191.59 | $123.53 | Howard | A |
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 much as $180, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Maryland | ||
| Plan F | $180.86 | Harford | 43% | ||
| Plan G | $158.38 | Carroll | 31% | ||
| Plan N | $116.31 | Charles | 14% | ||
| High Deductible G | $50.49 | Washington | 0.5% | ||
| Plan A | $156.92 | St. Mary's | 1.79% | ||
| Plan K | $78.36 | Cecil | 0.89% | ||
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 (Medigap plans). These plans offer additional coverage which addresses the 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 individuals in finding coverage, we have developed a deep appreciation for Aflac. 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, Aflac 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.
We’d like to guide you through this process, making sure that your chosen plan fits you perfectly.
Article Sources: Maryland Medigap Rate Guide | How Do I Enroll? | Aflac | Plan Cost | MD AHIP
Frequently Asked Questions
- Is there a Medicare Supplement plan in Maryland that covers everything?
- What are the most popular Medigap plans in Maryland?
- How much is Medigap Plan G in Maryland?
