Best Medicare Supplement Plans Baltimore

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated February 15th, 2024

Seeking Medicare Supplement Plans Baltimore? Understandably, you want coverage that fills the gaps left by Original Medicare without breaking the bank. Our guide provides clarity on Medigap options—highlighting costs, benefits, and how to find the best Medicare Supplement Plans in Baltimore tailored to your lifestyle. Let’s dive into making an informed choice for your healthcare security.


Key Takeaways

  • Medicare Supplement Plans, or Medigap, in Baltimore, offer seniors a way to manage healthcare expenses by covering costs not addressed by Original Medicare, such as deductibles, copayments, and coinsurance.
  • Top providers of Medicare Supplement Plans in Baltimore include Mutual of Omaha, AARP/UnitedHealthcare, and Aetna, each offering different benefits and pricing to cater to various needs, with plans like Plan G, Plan F, and Plan N being the most popular.
  • Seniors can enroll in Medicare Supplement Plans during the Open Enrollment Period for guaranteed issue rights or switch plans using Maryland’s Birthday Rule without medical underwriting, while premium costs are affected by factors like age, health status, and pricing methods (community-rated, issue-age-rated, attained-age-rated).


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Understanding Medicare Supplement Plans in Baltimore


Understanding Medicare Supplement Plans in Baltimore


Medicare Supplement Plans, also known as Medigap, fill the voids in Original Medicare coverage, providing a financial safety net for out-of-pocket expenses like deductibles, copayments, and coinsurance. In essence, a Medigap plan is your financial armor, shielding you from the unexpected costs that Original Medicare doesn’t cover.

For seniors in Baltimore, Medicare Supplement Plans carry significant importance, as these plans assist in managing healthcare expenses and alleviate the burden of unexpected costs. But how exactly do they function? We’ll explore further.


Importance of Medicare Supplement Plans

Imagine being able to navigate your healthcare journey without the worry of unanticipated medical expenses. That’s the peace of mind that Medicare Supplement Plans offer. They serve as a financial buffer, covering the out-of-pocket health care costs that Original Medicare doesn’t.

For Baltimore seniors, Medicare Supplement Plans provide financial security by addressing cost-sharing expenses, including coinsurance and hospital costs, averting unexpected medical costs from becoming significant financial challenges. Consider the potential financial risks without these plans – substantial out-of-pocket healthcare costs could potentially obstruct access to essential health services.


How Medicare Supplement Plans Work

Medicare Supplement Plans provide a safety net for the cost-sharing obligations of Original Medicare Parts A and B. They bridge the gaps in Original Medicare coverage, reducing the out-of-pocket expenses for beneficiaries. These plans are standardized nationwide, meaning each plan offers the same basic benefits, regardless of location or provider. They are categorized by labels A through N, giving you a wide range of options to choose from.

But who are the key providers of these plans? Let’s examine them:

  • Provider 1
  • Provider 2
  • Provider 3
  • Provider 4

These providers offer the best Medicare Supplement Plans to meet your needs, making it easy to compare Medicare Supplement Plans and consider a Medicare Advantage Plan as an alternative option.

Top Providers of Medicare Supplement Plans in Baltimore


Top Providers of Medicare Supplement Plans in Baltimore


In the realm of Medicare Supplement Plans, Mutual of Omaha, AARP/UnitedHealthcare, and Aetna stand tall among the top providers in Baltimore. Each of these providers has carved its niche, offering unique features and benefits that cater to diverse needs.


Mutual of Omaha

When it comes to flexibility and protection tailored to individual needs, Mutual of Omaha certainly takes the cake. Offering a diverse range of Medicare Supplement Insurance Plans, including popular options like Plan F, Plan G, and Plan N, they ensure you have the coverage you need.

While their Plan G premiums are slightly higher than the area’s most affordable policy, they are considerably lower than the state average, presenting a balance of cost and coverage. Coupled with impressive customer satisfaction ratings, Mutual of Omaha provides a compelling option for Medicare Supplement Insurance.



AARP/UnitedHealthcare brings more to the table than just filling the gaps in Original Medicare. With additional features like a 24/7 nurse line, discounts for hearing, dental, and vision services, and coverage for emergency room visits, they go the extra mile to cater to the broader healthcare needs of Baltimore seniors.

While customer reviews vary, many value the supplementary coverage and consider it fairly priced. Despite some clients perceiving the plans as costly, the wellness benefits and added perks make AARP/UnitedHealthcare’s Medicare Supplement Plans a competitive choice.



If comprehensive coverage at an affordable price is what you seek, Aetna’s Medicare Supplement Plans might be the perfect fit. They offer coinsurance and hospital coverage for Medicare Part A coinsurance and extended hospital coverage, providing a safety net for your healthcare costs.

With the most economical Plan N option in Baltimore falling within a range of $104.01 to $382.15 per month, Aetna presents a viable choice for many beneficiaries. How do these plans compare? We’ll examine the specifics.



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Popular Medicare Supplement Plans in Baltimore: Plan G, Plan F, and Plan N

Popular Medicare Supplement Plans in Baltimore Plan G, Plan F, and Plan N


In Baltimore, the most commonly selected Maryland Medicare Supplement Plans are G, F, and N. These plans have gained popularity due to their comprehensive benefits and affordability, effectively addressing the healthcare needs of Baltimore seniors.


Plan G

Plan G has emerged as a favorite among Baltimore seniors due to its comprehensive coverage, which effectively reduces out-of-pocket healthcare costs and provides peace of mind. Plan G includes the following benefits:

  • 100% coverage of Medicare Part A coinsurance
  • 100% coverage of Medicare Part B coinsurance
  • Coverage of hospital costs
  • Hospice care coinsurance
  • Additional benefits

One of the key advantages of Plan G is that it fills the gaps in Original Medicare without requiring payment of the Part B deductible. This makes it an attractive option for seniors looking for comprehensive coverage.

With an average monthly premium of $158 for a 65-year-old woman who doesn’t smoke, it offers a balance of cost and coverage.


Plan F

Plan F is a crowd favorite among Maryland residents, with about 43% of individuals opting for this high-deductible plan. It offers comprehensive coverage, filling in the gaps in Original Medicare, including deductibles and the remaining 80% of costs not covered by Original Medicare.

With its full coverage for Medicare Part B excess charges and a monthly premium ranging from $95 to $180, Plan F provides a safety net for your healthcare costs, ensuring you can focus on your health without worrying about unexpected expenses.


Plan N

Plan N offers a great combination of lower premiums and comprehensive coverage. Covering 100% of the medical services covered by Original Medicare, Plan N ensures minimal out-of-pocket costs.

While it’s not as comprehensive as Plan G, Plan N provides a middle ground for individuals seeking to economize on premiums. With premiums ranging from $99 to $105.43 per month, it’s an affordable option for many beneficiaries.

Enrollment Periods and Switching Medicare Supplement Plans in Baltimore

Enrollment Periods and Switching Medicare Supplement Plans in Baltimore


Enrolling in a Medicare Supplement Plan at the right time can save you from a lot of hassle and unexpected costs. The Open Enrollment Period offers an optimal window for enrolling in a plan, but what if you want to switch your plan?

Let’s explore this further.


Open Enrollment Period

The Open Enrollment Period represents an optimal window for securing a Medicare Supplement Plan without any complications. This 6-month window, which begins the month you’re both 65 or older and enrolled in Medicare Part B, provides the perfect opportunity for enrollment.

Enrollment during this phase allows a transition to a plan with superior coverage or diminished premiums, while ensuring guaranteed issue rights. This prevents insurance companies from denying coverage or charging higher premiums based on health status.


Switching Plans

Considering switching your Medicare Supplement Plan? That’s completely doable! You can switch plans during an Open Enrollment Period or with a 63-day guaranteed issue right, although there may be medical underwriting and the possibility of denial.

Maryland’s Birthday Rule established in 2025 allows you to switch plans around your birthday without medical underwriting, simplifying the transition process.

Cost Factors and Pricing Methods for Medicare Supplement Plans in Baltimore

Cost Factors and Pricing Methods for Medicare Supplement Plans in Baltimore


A variety of factors can affect your Medicare Supplement Plan’s cost. Gaining a clear understanding of these factors, which range from your choice of insurance company to your age and health status, can guide you in making an informed selection suitable for your needs.


Age, Gender, and Health Status

Age plays a significant role in determining the cost of your Medicare Supplement Plan, with premiums tending to rise as you age. On the other hand, gender has minimal impact on pricing, ensuring fairness and equality in pricing.


Community-Rated, Issue-Age-Rated, and Attained-Age-Rated Pricing

Medicare Supplement Plans utilize three main pricing methods:

  1. Community-rated: Offers a uniform base rate for all individuals in a specific area, irrespective of their age. This approach could possibly lead to reduced overall costs as compared to plans that increase premiums with age.
  2. Issue-age-rated: Premiums are based on the age at which you first enroll in the plan. The younger you are when you enroll, the lower your premium will be.
  3. Attained-age-rated: Premiums are based on your current age. As you get older, your premium will increase.

On the other hand, issue-age-rated pricing sets premiums based on your age at the time of policy purchase, while attained-age-rated pricing bases the premium on your current age and can increase as you age. Comprehending these pricing methods can aid you in selecting a plan that aligns with your budget and fulfills your healthcare requirements.

Additional Resources for Baltimore Seniors Seeking Medicare Supplement Insurance

Navigating the world of Medicare can be complex, but luckily, there are resources available to help. The State Health Insurance Assistance Program (SHIP) and Area Agencies on Aging offer invaluable support to Baltimore seniors seeking Medicare Supplement Insurance.


State Health Insurance Assistance Program (SHIP)

SHIP offers free, impartial assistance to Medicare-eligible beneficiaries and their families, providing guidance and support regarding Medicare Supplement Insurance.

Whether you require help with prescription drug coverage, health benefits, or personalized health insurance counseling, SHIP is available to assist. You can reach out to your local SHIP office or visit their website for further details.


Area Agencies on Aging

The Area Agencies on Aging in Baltimore provide a wealth of services to assist seniors in navigating their Medicare options. Some of the services they offer include:

  • Face-to-face counseling
  • Connections to resources
  • Assistance with enrollment
  • Help understand Medicare benefits and coverage options

These agencies provide invaluable support to seniors in Baltimore.

Whether you require help with transportation, liaising with healthcare professionals, or engaging with community service organizations, Area Agencies on Aging are ready to assist.


Navigating the world of Medicare Supplement Plans can be challenging, but arming yourself with the right knowledge can make all the difference. By understanding how these plans work, the top providers in Baltimore, and the popular plans among Baltimore seniors, you can make an informed decision that suits your healthcare needs and financial situation.

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Frequently Asked Questions

What is the best Medicare Supplement plan in Maryland?

The best Medicare Supplement plan in Maryland is offered by Mutual of Omaha, with rates well below the state average and a perfect 5.0 customer satisfaction score. The monthly rate for their Plan G is 10% lower than the state average.


What is the most popular Medicare Supplement plan for 2025?

The most popular Medicare Supplement plan for 2025 is Medicare Supplement Plan G, known for its comprehensive coverage of the gaps in Part A and B Medicare, except the annual Medicare Part B deductible.


Which Medicare Supplement plan has the highest level of coverage?

The Medicare Supplement plan with the highest level of coverage is Plan F. It provides comprehensive coverage, including payment of deductibles and all copays and coinsurance.


What is the average price of a Medicare supplemental plan?

The average monthly cost for a Medicare Supplement plan is $139, although individual plan costs may vary. It’s important to compare specific plans to find the best option for your needs.


Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about best Medicare Supplement Plans in Baltimore, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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