Medicare Supplement Plans Maryland: What You Need to Know

Maryland’s Medicare population exceeds 1.1 million beneficiaries, and the state’s Medigap market offers competitive pricing alongside consumer protections that can give residents additional flexibility when choosing and switching plans. If you are exploring the Medicare Supplement plans Maryland has available, you will find many licensed insurers competing for your business, with premiums that generally fall in line with the mid-Atlantic average. This guide covers what is Maryland-specific — from costs and carriers to enrollment rights and state regulations — while pointing you to official sources to verify the current rules. It does not recommend any particular plan or company; the right choice depends on your health, budget, and providers.

Maryland’s Medigap Landscape

Maryland follows the standard federal Medigap framework, offering the standardized plan letters (A, B, C, D, F, G, K, L, M, and N) with identical, standardized benefits for a given letter regardless of which insurer sells it. That standardization is the key consumer-friendly feature of Medigap: because a Plan G from one carrier covers exactly the same benefits as a Plan G from another, you can compare largely on price, financial strength, and customer service. The state’s proximity to Washington, D.C. and its mix of urban, suburban, and rural communities create varied pricing across different counties.

The Maryland Insurance Administration (MIA) regulates Medigap insurers in the state and reviews rate filings. Most major national and regional carriers sell policies throughout Maryland, and the competitive marketplace generally benefits consumers with a wide range of premium options for Medicare Supplement plans Maryland residents can choose from. Because carrier participation and rates change, verify what is currently available in your ZIP code.

Which Plans Are Available (and Which Are Closed)

Two plan letters are worth flagging up front. Plan F and Plan C are closed to people who first became eligible for Medicare on or after January 1, 2020, per Medicare.gov, because those plans cover the Part B deductible. If you were eligible before that date, you may still be able to buy Plan F or Plan C. For newer enrollees, Plan G and Plan N are the most common choices. Plan G covers nearly everything Original Medicare doesn’t except the annual Part B deductible (about $283 in 2026 — verify current), and it covers Part B excess charges. Plan N has a lower premium but leaves you responsible for small copays on some office and emergency visits and does not cover Part B excess charges. Plans K and L are cost-sharing plans with annual out-of-pocket limits (for 2026, about $7,220 and $3,610 respectively — verify current).

Average Premiums in Maryland

Premiums vary by insurer, your age, where you live, tobacco use, and the insurer’s rating method, so treat any range as a rough guide and get personalized quotes. For a 65-year-old nonsmoker enrolling during the Medigap Open Enrollment Period, approximate monthly premiums in Maryland have historically fallen in these ranges (verify current): Plan G roughly $125 to $260; Plan N roughly $95 to $200; Plan F (pre-2020 eligible only) roughly $155 to $310; Plan A roughly $85 to $190; Plan K roughly $45 to $110; and High-Deductible Plan G roughly $28 to $70.

Premiums tend to be somewhat higher in the Baltimore and Washington, D.C. suburban areas (Montgomery, Prince George’s, Howard, and Anne Arundel counties) compared with the Eastern Shore and western Maryland. These differences reflect varying healthcare costs and provider reimbursement across the state. Insurers also price using different rating methods (community-rated, issue-age-rated, or attained-age-rated), which affects how your premium changes as you age — ask each carrier which method it uses. For a broader perspective on Medigap pricing, see our Medigap Cost Comparison Chart.

Insurers Serving Maryland

Many carriers sell Medigap in Maryland. The list below is descriptive, not an endorsement — always compare current quotes and financial-strength ratings for yourself.

CareFirst BlueCross BlueShield

CareFirst is a prominent health insurer in Maryland and the broader D.C. metro region and offers a range of Medigap plan letters, with strong local brand recognition. Its Plan G premiums typically sit in the mid-range of the market, but confirm current pricing for your county and age.

AARP / UnitedHealthcare

UnitedHealthcare’s AARP-branded Medigap plans are widely available throughout Maryland. AARP plans often include supplemental features such as a nurse hotline and fitness-program discounts, which some members value beyond the standardized Medigap benefits. Premiums vary; get a quote for your situation.

Mutual of Omaha

Mutual of Omaha is frequently competitive on Medigap pricing in Maryland, particularly for Plan N, and it offers household discounts in many cases. The company holds strong financial-strength ratings. As always, verify current rates and discount eligibility.

Cigna and Aetna

Both Cigna and Aetna sell Medigap plans in Maryland with competitive rates. Cigna is often price-competitive on Plan N, while Aetna is part of the CVS Health family. Both maintain strong financial ratings. Compare quotes rather than assuming any one carrier is cheapest for you.

Maryland-Specific Medigap Considerations

Federal law guarantees certain Medigap rights, and some states add their own protections on top. Maryland has, at various times, offered guaranteed-issue rights beyond the federal baseline — for example, protections for beneficiaries leaving Medicare Advantage and for those losing other coverage such as employer group insurance or COBRA. Because the exact scope of these state-specific rights (including which plan letters are guaranteed-issue and in what situations) can change and is easy to get wrong, do not rely on a blog to state them definitively. Verify your current guaranteed-issue rights directly with the Maryland Insurance Administration or a Maryland SHIP counselor before you switch plans, since guessing wrong can expose you to medical underwriting.

Maryland also generally requires a free-look period for new Medigap policies, giving you the right to cancel for a refund within a set number of days of receiving the policy, and requires a grace period for premium payments before cancellation. Confirm the current terms with the insurer and the MIA.

Enrollment Timing for Maryland Residents

Your strongest opportunity to enroll in Medigap is the six-month Medigap Open Enrollment Period, which begins the month you are 65 or older and enrolled in Part B. During this one-time window, any Medigap insurer in Maryland must sell you any plan it offers at the standard rate regardless of your health history, and it cannot use medical underwriting. Missing this window is the single most common Medigap mistake, because outside it — and outside a guaranteed-issue situation — insurers can medically underwrite your application, charge more, or decline coverage.

Thanks to any enhanced state guaranteed-issue protections, Maryland residents may have more flexibility to move between Medicare Advantage and Medigap than beneficiaries in some other states. But the details, including which plan letters are covered and the timing, matter enormously. Verify the current rules with the Maryland Insurance Administration or your SHIP counselor before making a switch. For general enrollment timelines, see our healthcare policy guide.

Choosing the Right Plan in Maryland

Because benefits for a given plan letter are standardized, the practical decision for most newly eligible Marylanders comes down to Plan G versus Plan N (with High-Deductible Plan G as a lower-premium alternative for those comfortable with more upfront cost-sharing). Plan G offers more predictable, near-complete coverage; Plan N trades a lower premium for small copays and no coverage of Part B excess charges. Whether excess charges matter depends on whether your providers accept Medicare assignment — most do, but not all. If you see specialists who do not accept assignment, Plan G’s excess-charge coverage may be worth the higher premium.

For a head-to-head comparison, read our Medicare Plan N vs Plan G article. For help thinking through the best overall fit for your needs, see our guide on what is the best Medicare Supplement plan. And to weigh Medigap against Medicare Advantage, see our Medicare Advantage vs Supplement comparison.

Frequently Asked Questions

Does Maryland have a Medigap birthday rule?

Maryland is not among the handful of states widely known for a “birthday rule” like California or Oregon. State switching rights and guaranteed-issue protections can still apply in specific situations, so contact the Maryland Insurance Administration for details on your circumstances before assuming what is or isn’t allowed.

Can I get Medigap if I am under 65 and disabled?

Some states require insurers to offer at least one Medigap plan to Medicare beneficiaries under 65 who qualify through disability, though federal law does not require this and premiums for under-65 enrollees are often higher, with limited plan choices. Whether and how this applies in Maryland can change, so verify current under-65 Medigap access with the Maryland Insurance Administration or Maryland SHIP.

How do I compare Medigap rates in Maryland?

Use the Medicare.gov plan finder to see plans and premiums in your ZIP code. You can also contact the Maryland Insurance Administration or Maryland SHIP for free, unbiased counseling, and an independent broker can pull quotes from multiple carriers at once. See our Medigap Cost Comparison Chart for a broader view.

Is Medicare Advantage a better option than Medigap in Maryland?

Maryland has a robust Medicare Advantage market, particularly in the Baltimore and D.C. metro areas. Whether Advantage or Medigap is better depends on your priorities — provider choice, travel, out-of-pocket predictability, and included extras. Our Medicare Advantage vs Supplement comparison helps you weigh the tradeoffs.

Taking the Next Step

Maryland’s competitive Medigap market and standardized plan design give residents solid options for supplementing Original Medicare. Start by comparing Plan G and Plan N quotes from at least three insurers in your county, and take advantage of any free-look period to evaluate a policy before committing. Most importantly, verify your enrollment rights and any state-specific guaranteed-issue protections with the Maryland Insurance Administration or the Maryland SHIP program before you enroll or switch — a quick call to an unbiased counselor can prevent a costly underwriting surprise. Explore our healthcare policy guide for broader Medicare planning resources.

Sources

• Medicare.gov — Medigap plan benefits and how to compare plans; 2026 Medicare Part A and Part B costs
• Maryland Insurance Administration (MIA) — Medigap regulation and consumer assistance
• Maryland State Health Insurance Assistance Program (SHIP) — free Medicare counseling