424,622 people have Original Medicare in Baltimore, Maryland alone. Out of that 424,622, there are 64,844 enrolled in a Medicare Advantage plan. There are also several supplemental Medicare plans available in Baltimore, MD, that will enhance your medical coverage even further.

Supplemental Medicare Plans in Baltimore, MD

Maryland Supplemental Medicare plans provide additional coverage to qualified enrollees and help pay for costs that Original Medicare in Maryland doesn’t cover. You can supplement Part A and Part B by enrolling in a Medicare Advantage plan or a Medigap plan.

Average Medicare Advantage Plans in Baltimore, MD

As stated before, there are currently 64,844 Medicare Advantage beneficiaries in Baltimore, MD. Residents can choose from several different Maryland Part C plans, depending on their zip code and personal needs. Baltimore County currently has 20 Medicare Advantage plans available to qualified residents.

Below are some popular Medicare Advantage carriers in Baltimore, MD.

Alterwood Advantage offers HMO (Health Maintenance Organization) plan types with zero-dollar premiums and a $7,550 MOOP (Maximum Out-Of-Pocket). Although Alterwood Advantage doesn’t currently have a star rating, many Baltimore residents praise its Medicare Advantage plans.

Kaiser Permanente is a five-star carrier that offers first-class HMO plans with $25 premiums. It also has an affordable $6,900 MOOP.

Cigna is a three-star Medicare Advantage provider that offers HMO plans with $30 premiums and a $7,550 MOOP.

PLAN PREMIUM MOOP Plan Type Star Rating
Alterwood Advantage $0 $7,550 HMO N/A
Kaiser Permanente $0 $6,900 HMO 5
Cigna $30.00 $7,550 HMO 3
Carefirst BCBS $35.00 $7,550 HMO N/A
Kaiser Permanente $25.00 $6,900 HMO 5

Affordable Medicare Supplement Plans in Baltimore, MD

Medigap/Medicare supplement plans cover costs that you would otherwise pay out of pocket. However, the government standardizes Medigap plans nationwide, preventing the benefits from changing from state to state. The premium prices fluctuate depending on the region.

Below are some common Medigap plans.

Medigap Plan G premiums range from $124.39 to $400.72. It’s incredibly popular among Baltimore residents since it exempts enrollees from paying a Part B deductible.

Medigap Plan N has premiums between $104.01 to $382.15. The plan offers great coverage without a high monthly premium.

Medigap Plan F is another popular plan among Baltimore residents. Plan F is a first-dollar coverage plan that kicks in immediately after spending your first dollar, as long as your doctor accepts Medicare in Baltimore, Maryland. Its premiums range from $178.51 to $249.73.

PLAN A $128.51 $1,531.13
PLAN B $145.94 $423.33
PLAN C $172.90 $559.37
PLAN D $185.56 $239.09
PLAN F $146.64 $474.75
PLAN HDF $44.50 $85.05
PLAN G $124.39 $400.72
PLAN HDG $38.98 $83.07
PLAN K $67.51 $153.62
PLAN L $85.67 $304.64
PLAN M $104.96 $462.89
PLAN N $104.01 $382.15

Cheapest Medicare Part D in Baltimore, MD

Unfortunately, Medigap plans don’t cover prescription medications in Maryland. Although some Medicare Advantage plans help pay for prescriptions, it’s only a select few. Many Baltimore residents turn to independent Part D plans to cover their medication costs.

Part D plans are stand-alone plans that cover prescription medications. Below are some of the best Part D plan carriers.

Humana is a four-star carrier that offers high-quality Part D plans with $22.70 premiums and $480 deductibles.

Aetna sports a three-star rating and offers the most affordable Part D plan premiums at $7.10. Its plans also have a $480 deductible.

Another three-star carrier, Wellcare offers Part D plans with $12.90 premiums and $480 deductibles.

Aetna $7.10 $480 3
Wellcare $12.90 $480 3
Clear Spring $17.20 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans

Special Needs Plans (SNPs) are a subdivision of Medicare Advantage plans that help people with special needs and chronic disabilities. However, SNPs aren’t available in every region. Below are some Baltimore Special Needs Plan carriers.

UnitedHealthcare offers HMO-POS (Health Maintenance Organization plan with additional Point of Service benefits) plan types with zero-dollar premiums and a $7,550 MOOP. It also provides enrollees dual eligibility.

Communicare provides Baltimore residents with HMO plans with $16 premiums. It sports a $7,550 MOOP and chronic or disabling eligibility.

Cigna is another popular Special Needs Plan provider that offers HMO plan types with $31 premiums. It has a $7,550 MOOP and offers beneficiaries dual eligibility.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMOPOS Dual
Carefirst BCBS $0 $7,550 HMO Dual
Communicare $16.00 $7,550 HMO Chronic or Disabling
Cigna $31.00 $7,550 HMO Dual
UnitedHealthcare $36.30 $1,800 LOCAL PPO Institutional


What Medigap Is Available in Baltimore, MD?

There are currently ten Medigap plans available to Baltimore, MD, residents. Around 45 Baltimore insurers carry Medigap plans, but some only offer a select few. It’s best to research each plan and provider before committing to a specific program.

How Do I Apply for Medicare in Baltimore, MD?

You must sign up for Medicare in Baltimore, Maryland, through the Social Security Administration. Once you turn 65, the Social Security Administration will require you to sign up for Medicare or automatically enroll you, depending on your situation.

Where Is The Main Office of Medicare Located in Baltimore, MD?

You can find The Centers for Medicare & Medicaid Services (CMS) in Woodlawn, west of Baltimore County. It’s just outside Baltimore City off I-695.

How Much Is Medicare in Baltimore, MD?

Medicare premiums in Baltimore, Maryland, cost $45.97 on average. However, the prices range from carrier to carrier.

How Do I Enroll in Medicare for The First Time in Baltimore, MD?

Below are the initial enrollment periods for Medicare in Baltimore, Maryland.

  • Three months before you turn 65
  • During your 65th birthday month
  • Three months after your 65th birthday.

You must contact Social Security during the times listed above to enroll in Medicare.

How to Sign Up for Supplemental Medicare in Baltimore, MD

If you want to sign up for Supplemental Medicare in Baltimore, MD, contact Medigap. Our team will guide you through the process and help you with all your enrollment needs. We will find the best plan for you at a price you can afford.

Contact Medigap or complete our online rate form to get rates 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.