Maryland’s Medicare population exceeds 1.1 million beneficiaries, and the state’s Medigap market offers competitive pricing alongside consumer protections that give residents additional flexibility when choosing and switching plans. If you are exploring Medicare Supplement plans Maryland has available, you will find more than 20 licensed insurers competing for your business, with premiums that generally fall in line with the mid-Atlantic average. This guide covers everything Maryland-specific you need to know, from costs and carriers to enrollment rights and state regulations.
Maryland’s Medigap Landscape
Maryland follows the standard federal Medigap framework, offering all 10 plan letters (A, B, C, D, F, G, K, L, M, N) with identical, standardized benefits regardless of insurer. 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 all Medigap insurers in the state and reviews rate increase requests. Maryland requires all insurers to offer at least one Medigap plan, and most major national and regional carriers sell policies throughout the state. The competitive marketplace benefits consumers with a wide range of premium options for Medicare Supplement plans Maryland residents can choose from.
Average Premiums in Maryland
For a 65-year-old nonsmoker enrolling during the Medigap Open Enrollment Period, approximate monthly premiums in Maryland are as follows. Plan G: $125 to $260 per month. Plan N: $95 to $200 per month. Plan F (pre-2020 eligible only): $155 to $310 per month. Plan A: $85 to $190 per month. Plan K: $45 to $110 per month. High-Deductible Plan G: $28 to $70 per month.
Premiums tend to be slightly higher in the Baltimore and Washington, D.C. suburban areas (Montgomery, Prince George’s, Howard, and Anne Arundel counties) compared to the Eastern Shore and western Maryland. These differences reflect varying healthcare costs and provider reimbursement rates across the state. For a broader perspective on Medigap pricing, see our Medigap Cost Comparison Chart.
Top Insurers Serving Maryland
CareFirst BlueCross BlueShield
CareFirst is the dominant health insurer in Maryland and the broader D.C. metro region. The company offers a full range of Medigap plan letters and benefits from extensive brand recognition and a strong provider network for its other product lines. CareFirst Plan G premiums in Maryland typically start around $135 to $175 per month for a 65-year-old, positioning the company in the mid-range of pricing.
AARP / UnitedHealthcare
UnitedHealthcare’s AARP-branded Medigap plans are widely available throughout Maryland. Plan G premiums from AARP typically range from $140 to $210 per month. The AARP plans include supplemental benefits such as a nurse hotline and fitness program discounts, which add value beyond the standard Medigap coverage.
Mutual of Omaha
Mutual of Omaha is known for competitive Medigap pricing in Maryland, particularly for Plan N. The company’s Plan N premiums in the state often start below $100 per month for a 65-year-old, making it an attractive option for cost-conscious beneficiaries. Mutual of Omaha holds an A+ AM Best rating and offers household discounts.
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 benefits from its CVS Health connection. Both companies maintain strong financial ratings and responsive claims processing.
Maryland-Specific Medigap Protections
Maryland offers several consumer protections that enhance the federal Medigap standards. The state provides a continuous guaranteed-issue right for beneficiaries who are enrolled in a Medicare Advantage plan and want to switch to Medigap. If you leave your Advantage plan during any enrollment period, Maryland law guarantees your right to buy Medigap Plan A, B, C, D, F (if eligible), K, or L without medical underwriting. This protection is significantly more generous than federal law, which only guarantees Medigap access within the first 12 months of Advantage enrollment.
Maryland also requires a 30-day free look period for all new Medigap policies, giving you the right to cancel for a full premium refund within 30 days of receiving the policy. The state mandates that insurers provide at least a 30-day grace period for premium payments before cancellation.
Additionally, Maryland law provides guaranteed-issue rights for Medigap when you lose other health coverage, such as employer group insurance or COBRA. These protections make the Medicare Supplement plans Maryland market more consumer-friendly than many other states.
Enrollment Timing for Maryland Residents
Your primary opportunity to enroll in Medigap is the six-month Medigap Open Enrollment Period beginning the month you turn 65 and are enrolled in Part B. During this window, any Medigap insurer in Maryland must accept you at the standard rate regardless of your health history.
Thanks to Maryland’s enhanced guaranteed-issue protections, residents have more flexibility to move between Medicare Advantage and Medigap than beneficiaries in most other states. However, the guaranteed-issue rights for switching from Advantage to Medigap are limited to specific plan letters (not including Plans G and N in all situations). Verify the current rules with the Maryland Insurance Administration or your SHIP counselor before making a switch. For general enrollment timelines, see our Medicare Enrollment 2025 Guide.
Choosing the Right Plan in Maryland
Maryland does not prohibit Part B excess charges, which means the difference between Plan G (which covers excess charges) and Plan N (which does not) is potentially meaningful. However, CMS data shows that fewer than 1 percent of Maryland Medicare claims involve excess charges. If your providers accept Medicare assignment, which most do, Plan N’s lower premium makes it the better value. If you see specialists who do not accept assignment, or if you want the peace of mind of full coverage, Plan G is the safer choice.
For a head-to-head comparison, read our Medicare Plan N vs Plan G article. For help determining the best overall plan for your needs, see our guide on what is the best Medicare Supplement plan.
Frequently Asked Questions
Does Maryland have a Medigap birthday rule?
Maryland does not have a birthday rule like California or Oregon. However, the state’s guaranteed-issue protections for beneficiaries leaving Medicare Advantage provide broader switching rights than most states. Contact the Maryland Insurance Administration at 1-800-492-6116 for details on your specific situation.
Can I get Medigap if I am under 65 and disabled?
Maryland requires Medigap insurers to offer coverage to Medicare-eligible beneficiaries under 65 who qualify through disability. Premiums for under-65 enrollees are typically higher than for those 65 and older, and not all plan letters may be available. Federal law does not require this, making Maryland one of the more protective states for disabled Medicare beneficiaries.
How do I compare Medigap rates in Maryland?
Use the Medicare.gov plan finder to see all available plans and premiums in your ZIP code. You can also request a Medigap rate comparison from the Maryland Insurance Administration or contact the Maryland SHIP program for free counseling. Independent insurance brokers can pull quotes from multiple carriers simultaneously. See our 10 best supplemental insurance companies for carrier guidance.
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. Our Medicare Advantage vs Supplement comparison helps you weigh the tradeoffs.
Taking the Next Step
Maryland’s competitive Medigap market and enhanced consumer protections 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. Take advantage of Maryland’s 30-day free look period to evaluate a policy risk-free. Contact the Maryland SHIP program at 1-800-243-3425 for free, personalized assistance, and explore our healthcare policy guide for broader Medicare planning resources.