In many ways, Medicare beneficiaries in Salisbury, Maryland, are similar to the national overall. The average age is 72, and they are almost 55% female. However, only 12.27% participate in Medicare Advantage, far below the national average of over 42%.
If you’re interested in supplemental Medicare plans but aren’t sure where to start, take a moment to compare these plans and find one right for you.
Medicare plans in Salisbury, Maryland
To illustrate popular types of Maryland Supplemental Medicare plans, consider these example rates for a 65-year-old woman. If you’re not a woman or are older than 65, your rates may vary. Consider the difference between each plan before you enroll.
Medicare Advantage plans
The average Medicare beneficiary has access to 39 plans, the most in over a decade. Wicomico County has only ten plans available. Although the Medicare Advantage options in Maryland are more limited, one of them might meet your needs.
For Medicare beneficiaries who want to limit their out-of-pocket expenses, a UnitedHealthcare plan offers a relatively low out-of-pocket limit of $6,700. The program has a four-star rating and is a preferred provider organization (PPO), giving you more flexibility in choosing doctors.
Kaiser Permanente’s plan has a five-star rating. The out-of-pocket maximum is higher than the UnitedHealthcare plan, at $7,200. It’s like the Alterwood Advantage plan, which has an out-of-pocket maximum of $7,550 and lacks a star rating.
The Johns Hopkins plan and the CareFirst BCBS plan have premiums of $30 and $35, respectively. They are both HMO plans with $7,550 out-of-pocket limits.
The average cost of Medicare Advantage plans in Salisbury, Maryland
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Kaiser Permanente | $0 | $7,200 | HMO | 5 |
| Alterwood Advantage | $0 | $7,550 | HMO | N/A |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
| Johns Hopkins | $30.00 | $7,550 | HMO | 3 |
| CareFirst BCBS | $35.00 | $7,550 | HMO | N/A |
Medicare Supplement plans
Medigap plans address the “donut hole” in Medicare Part D. Part D plans in Maryland cover regular prescription drugs after you meet your deductible, but only up to a point. Coverage doesn’t resume again until you reach the catastrophic phase.
Plans F and G are popular choices for Medicare Supplement Plans. They have reasonable premiums, ranging from $115 on the low end to over $400 on the high end.
High-deductible plans HDF and HDG have lower premiums for cost-conscious Medicare beneficiaries, between $32 and $75. Your premium may vary, and you may be eligible for extra help.
Plan K is another relatively inexpensive plan, with premiums between $61.28 and $153.62. Plan K provides a good balance between higher premiums and higher out-of-pocket costs for some enrollees.
The average cost of Medicare Supplement plans in Salisbury, Maryland
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $108.00 | $1,345.55 |
| PLAN B | $137.45 | $371.84 |
| PLAN C | $166.58 | $559.37 |
| PLAN D | $150.14 | $185.12 |
| PLAN F | $135.90 | $417.04 |
| PLAN HDF | $32.00 | $74.51 |
| PLAN G | $115.29 | $400.72 |
| PLAN HDG | $32.00 | $72.77 |
| PLAN K | $61.28 | $153.62 |
| PLAN L | $80.83 | $267.52 |
| PLAN M | $94.93 | $406.62 |
| PLAN N | $96.73 | $382.15 |
Medicare Part D prescription drug plans
Medicare Part D plans are separate from the coverage you get from the government through Maryland Medicare Parts A and B. They are stand-alone plans that cover prescription drugs. Private insurance companies offer Medicare Part D within the government’s guidelines. Find out more about Part D plans here.
For the lowest premium available, consider the Aetna plan with a three-star rating and a premium of only $7.10.
If you want a good balance between affordable premiums and coverage quality, Wellcare’s plan offers a low premium of $12.90 and a three-star rating.
If you want a plan with a four-star rating, consider Humana’s plan. It has a premium of $22.70 and a deductible of $480.
The average cost of Medicare Part D plans in Salisbury, Maryland
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| SilverScript | $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 |
Special Needs plans
Special Needs Plans help people with disabilities and chronic illnesses get prescription medications, equipment, and other forms of care. They can be Chronic Condition plans, Institutional plans, and dual-eligible plans.
The CommuniCare HMO plan is designed for people in an institutional facility (such as a rehab center or a skilled nursing facility) for 90 days or more. It has a premium of $37.50.
The UnitedHealthcare plan is the only one with Point-of-Sale coverage, giving you more flexibility in seeking out-of-network care.
Johns Hopkins, Alterwood Advantage, and CareFirst BCBS plans are all HMO plans with dual eligibility. They have $0 premiums and, like the other plans above, have $7,550 deductibles.
The average cost of Medicare Special Needs plans in Salisbury, Maryland
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $0 | $7,550 | HMO-POS | Dual |
| Alterwood Advantage | $0 | $7,550 | HMO | Dual |
| Johns Hopkins | $0 | $7,550 | HMO | Dual |
| Carefirst BCBS | $0 | $7,550 | HMO | Dual |
| CommuniCare | $37.00 | $7,550 | HMO | Institutional |
How to sign up for Medicare plans in Salisbury, Maryland
Residents of Salisbury, MD, have many options for supplemental Medicare. Visit medigap.com and use the form or call us to get rates for supplemental Medicare policies.
