Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Maryland
Connect with Medicare agents in Maryland
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Maryland
In Maryland, 76% of people on Medicare are on Original Medicare. The other 24% have a Medicare Advantage plan or other Medicare health plan.
Original Medicare doesn't cover prescription drugs. Maryland residents can get prescription coverage through a Part D plan. Most Medicare Advantage plans include Part D (prescription drug) coverage. The cost of prescriptions can vary depending on the plan and pharmacy.
Medicare beneficiaries may have to pay monthly premiums, deductibles, and other out-of-pocket costs. Original Medicare has no yearly limit on these costs, though other insurance may help pay some of them. Medicare Advantage plans have an annual out-of-pocket limit for covered Part A and Part B services.
Medigap, also known as Medicare Supplement insurance, helps pay some of the costs left over after Original Medicare pays for covered services. These include deductibles, copayments, and coinsurance. The best time for most people to enroll in a Medigap plan is when you first get Medicare, during your Medigap Open Enrollment Period. Outside of this time, if you don’t have a guaranteed issue right, insurance carriers may deny your application or charge you more based on your health history.
How to apply for Medicare in Maryland?
Medicare eligibility in Maryland follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Maryland takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
What should I look for when choosing Medicare guidance in Maryland?
Maryland residents should look for a licensed Maryland Medicare agent who can explain the differences between plans and compare every option from every insurance company. Chapter's Maryland Medicare agents help residents compare Medicare plans based on their healthcare needs and budget. The service is free, and residents can call (855) 900-2427 to ask questions or book a free consultation.
How does Maryland's Medicare Supplement birthday rule work?
Maryland has a Medigap birthday rule that allows residents with an existing Medigap policy to switch to another policy with the same or fewer benefits without medical underwriting. This birthday-rule period lasts for 30 days after your birthday each year and allows you to shop Medigap plans to save on your monthly premium.
How does living in Maryland affect which Medicare Advantage plans are available to me?
Insurance companies can choose which Medicare Advantage plans they offer in each county. Insurance companies can also change their plans and plan service areas from year to year. Checking plans by ZIP code can help residents see what's available in their area and compare prices and coverage.
Can Maryland residents use Medicare when getting care in another state?
With Original Medicare, beneficiaries can get care from any doctor or hospital in the US that accepts Medicare—and the vast majority of doctors nationwide accept Medicare. Medicare Advantage works differently. Non-emergency care from an out-of-network provider will either cost more or not be covered at all. Residents planning to travel should check their plan's rules for out-of-network care and any costs involved. All Medicare Advantage plans cover emergency and urgent care throughout the US, including outside their service area.
