What Are the Best Medicare Supplement Plans in Maryland?
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Mutual of Omaha has the best Medicare Supplement plans in Maryland because of its high customer satisfaction and low rates.
Mutual of Omaha also sells the cheapest Medigap Plan G in Maryland. If you want a cheaper Medigap option, Plan N from Aetna has low rates and good coverage.
AARP/UnitedHealthcare (UHC) has the best added perks for Medigap plans, and it is the most popular Medigap company in Maryland. It also has good service, and most of its plans are cheap. But the company isn't quite as good as Mutual of Omaha.
What's the best Medicare Supplement company in Maryland?
The best Maryland Medicare Supplement plans come from Mutual of Omaha.
The company has excellent customer satisfaction according to the National Association of Insurance Commissioners (NAIC), and it has the lowest rates in the state for Plan G. Aetna is the cheapest choice for Plan N. Plan N isn't as comprehensive as Plan G, but it has a lower monthly rate and still has good coverage. AARP/UnitedHealthcare is the most popular company for Medigap plans in Maryland, and it offers good extra perks.
Top Medicare Supplement companies in Maryland
Company | Plan G rate |
Customer satisfaction (out of 5.0)
| |
|---|---|---|---|
| Mutual of Omaha | $142 | 5.0 |
| AARP/UHC | $143 | 4.5 |
| Aetna | $145 | 2.0 |
| USAA | $146 | 4.0 |
| Cigna | $148 | 2.5 |
Compare Medicare Plans in Your Area
Medigap Plan F is the most popular plan in Maryland. About 43% of people in Maryland who have a Medicare Supplement policy buy Plan F. However, you can only buy Plan F if you were eligible for Medicare before Jan. 1, 2020. If you don't qualify, consider Plan G as an alternative.
Best overall: Mutual of Omaha
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Editor rating
- Plan N: $100
- Plan A: $140
- Plan G: $142
- Plan F: $163
Mutual of Omaha has the best Medicare Supplement plans in Maryland. Its rates are well below the state average, and it's the only company in Maryland to get a perfect 5.0 customer satisfaction score.
The monthly rate for Plan G from Mutual of Omaha is 10% lower than the state average.
Mutual of Omaha has the cheapest Plan G in the state. Aside from Plan F, which isn't available to everyone, Plan G offers the most coverage of any Medigap plan. Getting a cheap Plan G from Mutual of Omaha means you get the best coverage at the lowest price.
Mutual of Omaha has the best customer satisfaction in Maryland for its Medigap plans. Mutual of Omaha has 88% fewer complaints about its Medicare Supplement plans than average for a company its size, according to the National Association of Insurance Commissioner (NAIC). None of the complaints were filed in Maryland, which shows that Maryland residents tend to be very satisfied with Mutual of Omaha's service.
Best added perks: AARP/UnitedHealthcare (UHC)
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Editor rating
- Plan K: $64
- Plan L: $107
- Plan N: $123
- Plan G: $143
- Plan B: $147
- Plan F: $174
- Plan A: $262
- Plan C: $262
AARP/UnitedHealthcare sells more than 42% of all the Medicare Supplement plans in Maryland, making it the most popular company. Most of its Medicare Supplement plans cost less than the state average, and the company has a reputation for good service. You'll also get access to AARP's list of perks, which adds extra value to your plan.
AARP/UnitedHealthcare's customer service isn't as good as Mutual of Omaha's, but its customers are still generally satisfied. It has 61% fewer complaints than average for a company its size, according to the NAIC. However, three complaints were filed about the company's Maryland Medigap plans in 2022. Most of the complaints are about the company's claims process.
To get a Medigap policy from AARP/UnitedHealthcare, you have to join AARP. A membership is just $16 per year, though, and you get access to AARP perks like discounts, games and travel advice. AARP/UHC also has Medigap plans with "wellness extras." These options include discounts for some vision, dental and hearing services, a gym membership and a 24/7 nurse line.
Cheapest Plan N: Aetna
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Editor rating
- Plan N: $99
- Plan B: $137
- Plan G: $145
- Plan F: $158
- Plan A: $259
Aetna's monthly rate for Plan N is 18% cheaper than the state average.
In fact, Plan N from Aetna is one of the cheapest Medigap plans in Maryland. The only cheaper option is Plan K, which doesn't provide as much coverage. Plan N is a good choice if you are looking for a cheap monthly premium but want coverage that's almost as good as Plan G's coverage.
Aetna's customer service is poor compared to the other companies in Maryland. Overall, Aetna has 68% more complaints than an average company its size. Most of the complaints point to delays in service and claim denials.
While Aetna has the cheapest Plan N in Maryland, it has lower customer satisfaction than many other companies. Plan N from Mutual of Omaha only costs $1 more per month compared to Aetna. Because Mutual of Omaha has better customer satisfaction, it might be worth it to pay a bit more.
How much does a Medigap plan cost in Maryland?
A Medicare Supplement plan in Maryland costs an average of $145 per month.
Prices vary based on the company and plan you choose, so it's a good idea to compare Medigap plans even though the coverage is the same no matter what company you choose. High-deductible Plan G is the cheapest option at $46 per month, and Plan C is the most expensive at $231 per month.
Your age when you buy a policy also affects your rate. Plan G for a 65-year-old costs an average of $158 per month, for example. But if you wait until you are 70 to buy a policy, the same plan costs an average of $175 per month.
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Plans F, G and N are the most popular Medigap options in Maryland. More than 88% of all Medigap plans in Maryland are either F, G or N.
Maryland Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of MD enrollment |
|---|---|---|
| F | $192 | 43% |
| G | $158 | 31% |
| N | $120 | 14% |
| C | $231 | 3.4% |
| J | N/A | 2.6% |
When can I change Maryland Medigap plans?
As of July 2023, Maryland residents can change Medigap plans within 30 days of their birthday every year.
During this time, policies are "guaranteed-issue," which means you can't be declined. If you currently pay a higher rate for Medigap coverage because of health issues, it's a good idea to change Medigap plans during the month following your birthday. During this time, your health problems won't be factored into your price, so you'll get a "preferred rate." However, you have to change to a plan with the same or worse benefits. You won't be able to buy a plan that gives you better coverage.
Frequently asked questions
What is the best Medicare Supplement plan in Maryland?
The best Medigap plan in Maryland is Plan G from Mutual of Omaha. Mutual of Omaha's Plan G costs 10% less than the state average, and the company has outstanding customer satisfaction. AARP/UnitedHealthcare has the best extra perks for Medicare Supplement plans in Maryland, and Aetna has the cheapest Plan N.
What is the average cost of Medicare Supplement Plan G in Maryland?
In Maryland, Plan G costs an average of $158 per month for a 65-year-old woman who does not smoke. Rates vary based on the company you choose, your age and your health.
What is the Birthday Rule in Maryland?
The Birthday Rule means that health insurance companies have to give people who have existing Medigap plans the option to change to a new plan with the same or lesser coverage. The Birthday Rule comes from Maryland House Bill 247.
Methodology and sources
Average Medicare Supplement costs in Maryland are based on actuarial data for private health insurance companies in the state. Rates are for a 65-year-old woman who doesn't smoke, unless otherwise noted. This analysis uses preferred rates, meaning health status did not affect rates. Costs are for the initial enrollment period when a person first becomes eligible for Medigap coverage. Only companies insuring 5,000 or more people were analyzed.
To choose the best companies, we used a review of rates, customer satisfaction and financial strength ratings from AM Best. Data on plan popularity was sourced from America's Health Insurance Plans (AHIP).
Each company was given a customer satisfaction score based on average complaint data from the National Association of Insurance Commissioners (NAIC). The rankings are on a five-point scale. Lower rankings indicate more complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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