Over 57 million people have Medicare Part A and Part B coverage, and 122,199 live in Silver Spring, Maryland. 42.12% of Medicare enrollees also have a Medicare Advantage plan nationally.
In contrast, just 12.27% have a Medicare Advantage plan in Silver Spring. Let us help you find more information about supplement health plans for Medicare in Silver Spring, Maryland.
Supplemental Medicare plans in Silver Spring, Maryland
Medicare Part A and B in Maryland can’t pay for all medical health insurance and prescription drug costs. Many Medicare beneficiaries enroll in private supplemental Medicare health insurance policies to cover the remaining costs. The rates below represent Medicare insurance plans for a woman aged 65.
Affordable Medicare Advantage plans in Silver Spring, Maryland
Nearly 15,000 people in Silver Spring participate in Maryland’s Medicare Advantage out of more than 24 million participants nationally. Many individuals choose these Part C plan options because of the low cost.
Participants can choose between an average of 39 plans, but the number will vary by county.
A zero-premium plan from Kaiser Permanente has a $7,200 maximum for out-of-pocket expenses. It provides coverage through an HMO and has a five-star rating.
UnitedHealthcare’s $0 premium plan offers coverage through a local PPO. It has a four-star rating and a lower out-of-pocket maximum of $6,700.
Alterwood Advantage has an HMO plan with a higher $7,550 out-of-pocket maximum and a $0 premium. It does not have a star rating.
| 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 Silver Spring, Maryland
Medicare Supplement plans in Maryland provide additional coverage in exchange for additional premiums. The coverage is the same for enrollees in all 50 states. However, the premiums differ due to differences in healthcare costs in different parts of the country and other factors.
If you’re looking for plans with reasonable premiums, HDG and HDF are good choices. Plan HDF has premiums ranging from $32 to almost $75. Plan HDG also has premiums between $32 and $72.
Medigap Plan N is another popular choice for supplemental coverage. Premiums for Plan N range from $96.73 to $382.15. Deductibles are often lower for policies that charge higher premiums. Be sure to compare the premiums of the plans you consider before you enroll.
If you need a plan with a low deductible and can afford the higher premiums, Plan F and Plan C have high premiums. Plan F can cost more than $150 per month, and Plan C premiums are over $199. The higher premium places these plans out of the reach of some Medicare beneficiaries.
| 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 |
Cheapest Medicare Part D prescription drug plans
Medicare Part D plans are supplemental Medicare plans that provide prescription drug coverage. Along with some Medicare Advantage plans, they offer enrollees a way to complement their existing coverage. Prescription drug plans in Maryland are stand-alone plans and aren’t included in Medicare Parts A and B.
The UnitedHealthcare plan has a slightly lower deductible of $310. Its premium is $29.30, higher than many alternatives, but it also has a four-star rating.
An Aetna plan has the lowest premium ($710). It has a three-star rating and a deductible of $480.
The plan with the second-lowest premium is from Wellcare. For a $12.90 premium, you get a three-star plan with a $480 deductible.
| 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 |
Medicare Special Needs plans
Many people with disabilities and special needs have supplemental Medicare Special Needs Plans (SNPs) to cover medical costs. SNPs are Medicare Advantage plans that provide prescription drug coverage and coverage for equipment and services used by people with special needs.
The UnitedHealthcare plan is a dual eligibility plan that replaced Part A, B, and D coverage under a single policy. It has a $0 premium and a maximum out-of-pocket limit of $7,550. The HMO-POS plan makes seeing doctors outside your network easier if you must.
The Alterwood Advantage, Johns Hopkins, and CareFirst BCBS plans are all dual eligibility HMO plans but not Point-Of-Sale. They all have $0 premiums and an out-of-pocket maximum of $7,550.
The CommuniCare plan has a $37 premium and the same out-of-pocket maximum as the other policies ($7,550). This plan is for individuals staying or expecting to stay in a Long-Term Care (LTC) facility, Skilled Nursing Facility (SNF), or other qualifying healthcare institutions for 90 days or more.
| 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 |
FAQs
Does Medicare Come out of Social Security in Silver Spring, MD?
Medicare Part A does not have a premium for most individuals, and Medicare Part B premiums come from your Social Security benefits. Private insurance companies provide coverage for Medicare Advantage and Medicare Parts C and D so that you can pay premiums directly to them. Optionally, you can discuss deducting premiums from Social Security benefits to your provider.
Is there a copay for Medicare in Silver Spring, MD?
Depending on which part of Medicare and your Supplemental Medicare plan, you may have copays. Medicare Part B has coinsurance rather than copays, while Medicare Part A has deductibles and copays. Medicare Advantage and Medicare Supplement plans may have a portion of copays, coinsurance, deductibles, or all of the above depending on the plan you choose.
Does Medicare Part A cover the emergency room visit in Silver Spring, MD?
Medicare Part A will only cover emergency room visits if you’re admitted to the hospital. It will also cover medication administered during inpatient care. It also covers nursing, home care, and hospice care related to hospitalization.
Does Medicare Part A cover Medications in Silver Spring, MD?
Medicare Part A might cover medications while admitted to the hospital but not for an ER visit or regular prescriptions. For prescription drug coverage, consider a Medicare Part D or Medicare Advantage plan.
How does Part D of Medicare work in Silver Spring, MD?
Part D of Medicare provides coverage (with copays) for prescription medications. Once you enroll, you pay premiums to private companies in exchange for prescription drug coverage. One controversial aspect of Part D is the “donut hole,” which is the gap in coverage between the initial and catastrophic coverage phases.
How to Sign Up for Supplemental Medicare in Silver Spring, Maryland
At Medigap.com, we look forward to helping you navigate the Medicare system and helping you find a plan that meets your needs. Whether you’re looking for Medicare Supplement Insurance plans, Medicare Advantage plans, or Medicare prescription drug coverage, we can help.
Our licensed insurance agents specialize in Medicare coverage and can help identify plan options to lower your out-of-pocket costs. For help with supplemental Medicare plans in Silver Spring, MD, give us a call or fill out the form on our website.
