Over 120,000 residents currently use Medicare in Columbia, Maryland. Of this number, 23,000 beneficiaries are enrolled in Medicare Advantage, for a participation rate of nearly 20%. This article will explore the Medicare Supplement plans available to residents of Columbia, MD.

Supplemental Medicare Plans in Columbia, Maryland

Maryland Supplemental Medicare plans offer a range of benefits that can positively impact beneficiaries. These plans extend coverage to include costs that would otherwise fall to consumers as out-of-pocket expenses. Both Medigap and Medicare Advantage plans are available and can supplement Medicare Part A and B in Maryland. The figures below simulate a 70-year-old female beneficiary.

Average Medicare Advantage Plans in Columbia, Maryland

Over 23,000 residents currently have a Maryland Medicare Advantage plan. These plans offer different advantages than Medigap plans. As a part of Montgomery County, Columbia residents can access 22 different Medicare Advantage plans, more than many counties in the state but still below the national average.

Kaiser Permanente is a popular option for Medicare Advantage coverage in Maryland. With a five-star rating, zero-dollar monthly premiums, and a maximum out-of-pocket (MOOP) of $6,900, Kaiser’s plan is one of the most affordable in the state. Choosing Kaiser as a nationally recognized brand can give beneficiaries valuable peace of mind.

Alterwood Advantage is another excellent option for Medicare Advantage coverage in Columbia, Maryland. Their five-star rating proves their service is amazing, and their $37 monthly premiums keep consumer costs low. The $7,550 MOOP is slightly higher than Kaiser’s but still reasonable compared to most competitors.

PLAN PREMIUM MOOP Plan Type Star Rating
Kaiser Permanente $0 $6,900 HMO 5
Alterwood Advantage $0 $7,550 HMO N/A
Kaiser Permanente $0 $7,200 HMO 5
Alterwood Advantage $37.00 $7,550 HMO N/A

Affordable Medicare Supplement Plans in Columbia, Maryland

Plan G is popular with beneficiaries due to its comprehensive coverage. Premiums for this Medigap plan range from $124.39 to $400.72. This plan covers all medical expenses, including Part B deductibles.

Another popular Medigap plan is Plan F. With premiums ranging from $146.64 to $460.52, this option is a bit pricier than other options but offers compelling benefits. Plan F offers the most comprehensive coverage possible, including Medicare excess charges.

A more affordable but still effective option for Maryland beneficiaries is Plan N. With premiums starting at $104.01 up to $382.15, Plan N offers solid coverage with a few disadvantages. For example, plan N beneficiaries will need to pay co-pays for most medical services.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $128.51 $1,485.37
PLAN B $145.94 $410.63
PLAN C $172.90 $559.37
PLAN D $185.56 $239.09
PLAN F $146.64 $460.52
PLAN HDF $44.50 $82.45
PLAN G $124.39 $400.72
PLAN HDG $38.98 $80.53
PLAN K $67.51 $153.62
PLAN L $85.67 $295.48
PLAN M $104.96 $449.02
PLAN N $104.01 $382.15

Cheapest Medicare Part D in Columbia, Maryland

Medigap plans don’t cover prescription medication costs, and Medicare Advantage plans may not. For this reason, Medicare Part D plans in Maryland that offer this coverage is an essential part of coverage for most beneficiaries.

A Medicare Part D plan from Aetna costs $7.70 monthly in premiums with a $480 deductible and has earned a three-star rating.

A four-star option, a plan with UnitedHealthcare, comes with a premium of $29.30 and a deductible of $310. Wellcare is another excellent option with a $12.90 premium and $480 deductible.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Medicare Special Needs Plans are a subset of Medicare Advantage plans only available to beneficiaries who meet specific criteria.

While these plans don’t apply to all users of Medicare in Columbia, Maryland, they can significantly decrease the out-of-pocket costs for beneficiaries with disabilities or special needs.

In Columbia, UnitedHealthcare offers a plan with institutional enrollment, a $37 monthly premium, and a $1,800 monthly premium.

Carefirst BCBS provides a $0 monthly premium with a $7,550 MOOP and dual enrollment. Finally, UnitedHealthcare offers dual and institutional enrollment plans, with a MOOP of $1,800 for institutional and $7,550 for dual programs.

PLAN PREMIUM MOOP Plan Type Eligibility
Alterwood Advantage $0 $7,550 HMO Dual
Carefirst BCBS $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 HMO-POS Dual
UnitedHealthcare $36.30 $1,800 LOCAL PPO Institutional
UnitedHealthcare $37.00 $1,800 LOCAL PPO Institutional

FAQs

What does Medigap cover in Columbia, MD?

Medigap plans extend Medicare coverage to costs that would otherwise fall to consumers. Benefits vary by plan letter, so explore the benefits of each choice before selecting.

How does Part D of Medicare work in Columbia, MD?

Medicare Part D extends Medicare coverage to cover the costs of prescription medication. Medigap plans don’t provide this coverage, so Part D is crucial.

How much is the income limit for Medicare in Columbia, MD?

There is no income limit for Medicare eligibility. However, Medicare premiums may be waived for beneficiaries making less than $1,063 monthly.

Does Medicare Part D cover prescriptions in Columbia, MD?

Yes, Medicare Part D covers prescription costs by design.

What is the difference between Medicare Part A and Medicare Part B in Columbia, MD?

Medicare Part A and Part B provide distinctly different coverage. While Part A covers inpatient treatment like hospital visits, Part B provides coverage for outpatient services like check-ups and flu shots.

How to Sign Up for Supplemental Medicare in Columbia, Maryland

Navigating the Medicare system in Columbia, MD, can be challenging, but we’re here to help. At Medigap.com, you can find information about all aspects of the Medicare system. Call today or fill out our online form to get rates for your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.