Over 1,053,000 Medicare beneficiaries currently live in Maryland. These beneficiaries receive varying benefits depending on their needs and choices. Different Medicare plans offer varying advantages, so this article will cover the basics of available Maryland Medicare plans.

Medicare in Maryland: Facts & Figures

  • Around 768,000 beneficiaries in Maryland have both Part A and Part B.
  • Nearly 800,000 beneficiaries aged into the program, with 112,000 eligible due to disability.
  • 907,000 beneficiaries in Maryland have Part A, and 770,000 have Part B
  • Nearly 670,000 of those enrolled in Part A and Part B aged into the program

Medicare Costs in Maryland for 2022

While Part A coverage is free to anyone with a work history of ten years or longer, Part B coverage requires monthly premiums. Part A covers in-patient services, including hospital visits and emergency treatment coverage. On the other hand, covering out-patient services like flu shots and checkups requires Part B enrollment.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Among Maryland, beneficiaries enrolled in Part A coverage, 794,000 aged into the program. The remaining 112,000 are eligible due to disability. Regarding Maryland residents with Part B coverage, 671,000 of them age into the system, with the remaining 98,000 eligibles based on disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Maryland

With healthcare costs rising across the country, wisely choosing healthcare coverage is essential to avoid high costs for treatment. For Medicare beneficiaries, supplemental coverage plans are an important way to optimize your coverage.

While Medicare coverage can provide effective coverage for most medical issues, most beneficiaries choose to enroll in a supplemental plan of some kind.

These plans provide additional benefits above those provided by Part A and Part B and can be extremely important to rounding out your healthcare coverage.

Private companies provide these supplemental plans and can offer benefits that are not available to general Medicare beneficiaries.

The most popular of these supplemental plans is Plan M, with over 3,000 enrolled beneficiaries. However, Medicare Advantage plans are also worth considering for beneficiaries with tighter budget constraints.

Part D is another crucial supplemental plan, as it covers prescription medication expenses. Standard Maryland Medicare plans do not cover medications, which can be an essential part of treatment.

As a result, part D coverage is typically one of the most commonly selected coverage options by beneficiaries across the country.

Maryland Medicare Resources

Navigating the Medicare system can be challenging, but fortunately, the government provides various resources to sign up and adjust coverage. The first of these is the State Health Insurance Assistance Program or SHIP. Each state has an individual SHIP program, so be sure to find the correct webpage for Maryland.

Medicaid is another option the United States government offers to assist citizens with health care. While Medicaid is a separate system from Medicare, many beneficiaries choose to utilize both to increase their coverage. If you’re interested in learning whether Medicare is a good option for you, the Maryland Medicaid webpage is an excellent place to start.

Another resource to keep in mind when dealing with health insurance is the Maryland Insurance Department. This department should be the first people you call if you experience mistreatment by an insurance company. They dedicate their resources to preventing fraud and upholding best practices in the Maryland insurance industry.

Maryland Cities with Medicare Supplement Coverage Estimated Premiums

Having an idea of what estimated premiums you could face for Medicare Supplement coverage is helpful. Here are some charts for the following cities:

FAQs

How do I know if I have Original Medicare in Maryland?

Checking whether you have Original Medicare or Medicare Advantage is simple. By checking your enrollment status at www.mymedicare.gov, you’ll be able to view your coverage type and options, as well as how long you’ve been a member.

Can you switch back to Original Medicare in Maryland?

Yes, altering your plan or switching back to your Original Medicare is easy. Simply contact your current provider via website or phone to make any required changes.

Are you automatically enrolled in Medicare if you are on Social Security in Maryland?

Yes, residents receiving Social Security benefits are automatically enrolled in Medicare. This applies to those who become eligible due to disability with Medicare card issues after the 25th month of Social Security benefits.

What month is Medicare deducted from Social Security in Maryland?

There is no specific month Medicare costs come out of your Social Security checks. Instead, the schedule of your deductions will depend on the nature of the coverage you hold. For example, deductions for beneficiaries with only Part B coverage will receive deductions every three months, while deductions for Part A occur monthly.

How do I know which Medicare plan is best for me in Maryland?

The best way to decide on the best Medicare plan for you is to speak with a professional. The system can be complex, so discussing your needs with an expert can be a great way to get started.

How to Sign Up for Supplemental Medicare in Maryland

The Medicare system is complex and can be frustrating to interact with. Fortunately, experts are available to simplify the process and ensure that your coverage is perfect for you. We provide advice and support to Medicare beneficiaries at no cost and can help you find the ideal plan and provider to meet your needs.

Healthcare is essential, and flaws in your coverage can lead to unmanageable bills down the road. Fortunately, you’re not alone. If you’re struggling to choose a Maryland Medicare plan, we can help. Call us or fill out our online form to get rates in your area today.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.