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.

Salisbury Maryland Supplemental Medicare plans

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.

Affordable Medicare Advantage plans in Salisbury, Maryland

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), which gives you more flexibility in your choice of 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.

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

Average Medicare Supplement plans in Salisbury, Maryland

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.

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

Cheapest 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.

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

Medicare 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 plan with Point-of-Sale coverage, which gives 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.

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


What Do Medigap Policies Cover in Salisbury, MD?

Medigap insurance covers some costs that Medicare does not cover, such as gap coverage copays and health costs while traveling internationally. Medigap coverage does not include dental and medical coverage.

What Medigap Plans are Available in Salisbury, MD?

Many private insurance carriers offer several Medigap policies in Salisbury, MD. The benefits are different depending on which type of plan you choose.

Can You Switch Back and Forth Between Medicare and Medicare Advantage in Salisbury, MD?

It’s easiest to switch Medicare plans during one of the open enrollment periods. Depending on your situation, you might not be able to change plans outside of an Open Enrollment Period.

What is Medicare Advantage vs. Medicare Original in Salisbury, MD?

Medicare Advantage policies are private health coverage policies that offer some benefits that traditional Medicare does not provide, such as some dental and vision procedures.

How Much is Medicare in Salisbury, MD?

The cost of Medicare depends on the type of Medicare. Medicare Part A does not have a premium. Other Medicare policies have premiums that vary depending on the level of coverage. Learn more about the types of supplemental Medicare policies.

How to Sign Up for Supplemental Medicare in Salisbury, Maryland

Residents of Salisbury, MD, have many options for supplemental Medicare. Visit and use the form or give us a call to get rates for supplemental Medicare policies.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for 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 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.