The Best Medicare Supplement (Medigap) Plans in Maryland

Christian Worstell
In this article...
  • Medicare Supplement Insurance (Medigap) can help Maryland beneficiaries cover Medicare out-of-pocket costs. Check out our review of Maryland Medigap plans to find one that's right for you.

Maryland Medicare beneficiaries who receive health insurance through Original Medicare (Medicare Parts A and B) may find themselves coping with the high out-of-pocket costs associated with copays, coinsurance and deductibles. More than a quarter (29%) of the state’s Original Medicare beneficiaries are enrolled in Medicare supplement insurance, also known as Medigap, to help cover some or all of these expenses.1

If you’re considering joining the hundreds of thousands of Maryland beneficiaries who rely on Medigap to help cover their out-of-pocket medical expenses, plans are available from private insurers throughout the state. The information provided in this article is intended to help you understand what Medigap plans are available in Maryland so you can find the ideal policy for your needs and budget.

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Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Maryland Medicare Supplement Plans?

To determine the best Medicare supplement plan for you, it’s helpful to understand how Medigap works. Medigap has 10 standardized plan types, which are distinguished using letters ranging from A to N. Each plan offers the same basic coverage, reimbursing policyholders for hospice care copays and at least a percentage of Part A and B coinsurance costs, and adds 365 days of inpatient hospital coverage beyond what Medicare offers.

What additional benefits you'll get depends on the plan letter you choose — for example, Plan C covers the coinsurance for skilled nursing facility care, but Plans A and B don’t — and coverage for a particular benefit can range from 50% to 100% of the cost.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Medigap plans may cover up to 100% of the following Medicare-related expenses:

  • The Part B deductible
  • Coinsurance for residential skilled nursing services
  • Medically necessary care received while traveling outside the United States
  • Medical charges that exceed the approved amounts under Medicare Part B

Limitations and restrictions may also apply under some plans. For a more comprehensive comparison of plans by letter type, refer to the chart below.

What Are the Most Popular Types of Medigap Plans?

Medigap plans vary in popularity due to differences in benefits, coverage levels and premiums. Three of the most consistently popular Medigap plans are Plans F, G and N, likely due to the lower premiums associated with these policies, which may benefit seniors living on a fixed income.

All three of these plans cover the full coinsurance amount for residential skilled nursing care, plus 80% of foreign travel exchange expenses.

Although Plans F and G are open to any Original Medicare beneficiary during open enrollment, only beneficiaries who were initially eligible to enroll in Medicare Part B prior to the start of 2020 may purchase a Plan F policy.

What’s the Best Way to Compare Medigap Insurance Companies?

Because Medicare supplement insurance is standardized by type, plans identified by the same letter are consistent from company to company. If you compare a Plan C policy offered by Company X with Plan C policies offered by Companies Y and Z, you’ll find the benefits identical. Typically, the only difference between policies of the same type sold by different insurers is their premiums.

Not all insurance companies that sell Medigap plans offer the same selection of policies, however. Insurance companies that sell Medigap policies must offer Plans A, C and F, but other plan type offerings are optional.

How Do I Enroll in a Maryland Medigap Plan?

Medicare supplement insurance is only available to Original Medicare beneficiaries aged 65 and older. So, if you’re about to turn 65 and are enrolling in Medicare Part B, it may be time to consider a Medigap plan.

When Is the Best Time to Enroll?

If you’re planning on purchasing a Medigap policy, the ideal time to do so is during your Medigap open enrollment period.

Your Medigap open enrollment period starts once you are at least 65 years old and are enrolled in Medicare Part B. Your Medigap open enrollment period lasts for six months. This time period is typically the best time to enroll, particularly for beneficiaries who have health concerns, because you can’t be denied coverage. During open enrollment, insurance companies that sell Medigap policies are legally required to sell you a plan, regardless of your health, at the price a person in good health would pay.

If you’ve hit 65 but still receive medical benefits through your employer or union, you have the option of delaying your Medicare Part B enrollment until after your current coverage ends. In this case, your six-month Medigap enrollment period begins once you enroll in Original Medicare.

If you miss your Medigap enrollment period or apply for a play during any other time when you don't have guaranteed issue rights, you may have to go through an insurer’s medical underwriting process, which can result in higher premiums if you’re found to be a high risk. For seniors in poor health, this can potentially result in your application for coverage being denied.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are Guaranteed Issue Rights?

In certain circumstances, beneficiaries who didn’t enroll in a Medigap policy during the open enrollment period may still sign up for a plan without going through a medical underwriting process. Known as guaranteed issue rights, these federal protections may be invoked in certain situations, including the following common scenarios:

  • A Medicare Advantage participant lost coverage because the plan was discontinued or no longer offered coverage in their region, and they reverted to Original Medicare.

  • A Medicare Advantage participant moved to an area that their plan doesn’t cover and reverted to an Original Medicare plan.

  • A Medicare enrollee exercised a trial right to a Medicare Advantage plan and opted to switch back to Part B within the year.

  • A Medigap policyholder lost their supplemental insurance through no fault of their own and now wants to purchase a new policy.

  • A Medigap policyholder terminated their coverage because the company had misleading policies or refused to follow federal guidelines, and they now wish to purchase a new plan.

  • A Medicare-eligible senior lost employer- or union-sponsored coverage that they used to supplement Original Medicare, and they want to replace it with a Medigap plan.

If you think you’re entitled to enroll in a plan under one of these guaranteed issue right protections, let your chosen Medigap provider know right away. Your eligibility to enroll in a Medigap plan may begin as early as 60 days prior to when you’ll lose your current coverage, and it generally continues for 63 days afterward.

  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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